127 Pepper Ln, Jensen Beach, FL 34957 Property Records

St. Lucie County property record for 127 Pepper Ln, Jensen Beach, FL 34957

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,729 sqft · built 2001
Lot Size	0.091 acres (3,944 sqft)
Owner	2 Individual Names on File
Last Sale	$587,500 (Jun 2023)
Tax Bill	$11,062 (2024)
Deeds & Mortgages	Jun 2023 Sale Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4511-503-0016-000-0`

Property Details

APN / Parcel Number

Primary APN	`4511-503-0016-000-0`
Alternative APN	`134222`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,729 sqft Living Area
Gross Area	2,340 sqft
1st Floor Area	1,729 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Concrete
Lot Area	3,944 sqft (0.091 acres)
Garage Type	Attached
Garage Area	288 sqft
Driveway	Concrete Driveway
Parking Spaces	1 Parking Space
Porch	Screened Aluminum Porch
Porch Area	323 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	134222
Street Address	127 PEPPER LN
City	JENSEN BEACH
State	FL
Zip	34957-2572
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	BAY TREE LOT 10
Legal Range	41E
Legal Township	37S
Legal Section	11
Legal Subdivision	BAY TREE
Legal Lot Number	10
Jurisdiction	ST LUCIE FL
Township / Civil Division	HUTCHINSON ISLAND
Census Block Group	1
Census Block	1009
Census Tract	381702

Owner

127 Pepper Ln is owned and occupied by two individuals who bought it in June 2023.

Source: St. Lucie County records, as of March 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	127 PEPPER LN, JENSEN BEACH, FL 34957-2572
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage SWBC MORTGAGE CORP
Oct 2, 2018	Warranty Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2023 · Amount on File
Deed Sale	Jun 15, 2023 · Amount on File
Prior Sale	Oct 2, 2018 · Amount on File
Deed Document Number	20235205858
Deed Book / Page	5004 / 2439
Prior Transfer Date	Oct 19, 2005
Prior Transfer Doc	0024100180
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LUCIE FL
Recording Date	Jun 15, 2023
Property Address	127 PEPPER LN, JENSEN BEACH, FL 34957-2572
Document Number	0050042439
Book / Page	5004 / 2439
Map Reference	MB 32 PG 1
Instrument Date	Jun 1, 2023
Instrument	5205858
Transaction Type	Transfer
Record Updated	Jan 30, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$4,112.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	127 PEPPER LN, JENSEN BEACH, FL 34957-2572

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 PEPPER LN, JENSEN BEACH, FL 34957-2572

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LUCIE FL
Property Address	127 PEPPER LN, JENSEN BEACH, FL 34957-2572
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044362648
Date	Jun 25, 2020
Book Page	4436/2648
Instrument	4722140

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company
Address	SAN ANTONIO, TX 78216

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LUCIE FL
Recording Date	Oct 2, 2018
Property Address	127 PEPPER LN, JENSEN BEACH, FL 34957-2572
Document Number	0041870415
Book / Page	4187 / 0415
Map Reference	MB32 PG1
Instrument Date	Sep 25, 2018
Instrument	4486567
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,145.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	127 PEPPER LN, 127, JENSEN BEACH, FL 34957-2572

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 PEPPER LN, JENSEN BEACH, FL 34957-2572

Mortgage

Document Number	0004486568
Date	Oct 2, 2018
Instrument	4486568

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

Source: St. Lucie County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	St. Lucie County
Unified School District	St. Lucie County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$520,600 Land $257,000 Building $263,600	$520,600 Land $257,000 Building $263,600
2024	$11,062.00 (+134.31%)
2023	$4,721.00 (+4.91%) Additional exemption filed	$578,300 (+129.14%) Land $274,500 Building $303,800	$578,300 (+44.79%) Land $274,500 Building $303,800
2022	$4,500.00 Homeowner's exemption	$252,374	$399,400 Land $177,600 Building $221,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 127 Pepper Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 15, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 152 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	371 units insured incl. 219 condo units
Nearby Flood Claims	105 (1992–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims Hurricane Frances, Sep 2004 · 89 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 127 Pepper Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FT. PIERCE UTILITIES AUTHORITY serves 58,000 people · EPA ID FL4560490
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Hotwire Communications.

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