135 Pepper Ln, Jensen Beach, FL 34957 Property Records

St. Lucie County property record for 135 Pepper Ln, Jensen Beach, FL 34957

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,729 sqft · built 1996
Lot Size	0.09 acres (3,935 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Sep 2015)
Tax Bill	$5,439 (2024)
Deeds & Mortgages	Feb 2017 Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4511-503-0014-000-6`

Property Details

APN / Parcel Number

Primary APN	`4511-503-0014-000-6`
Alternative APN	`134220`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,729 sqft Living Area
Gross Area	2,640 sqft
1st Floor Area	1,729 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Concrete
Lot Area	3,935 sqft (0.09 acres)
Garage Type	Attached
Garage Area	288 sqft
Driveway	Concrete Driveway
Parking Spaces	1 Parking Space
Porch	Enclosed 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	134220
Street Address	135 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 8
Legal Range	41E
Legal Township	37S
Legal Section	11
Legal Subdivision	BAY TREE
Legal Lot Number	8
Jurisdiction	ST LUCIE FL
Township / Civil Division	HUTCHINSON ISLAND
Census Block Group	1
Census Block	1009
Census Tract	381702

Owner

135 Pepper Ln is owned and occupied by two individuals who bought it in September 2015.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	135 PEPPER LN, JENSEN BEACH, FL 34957-2572
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2017	Deed of Trust, Mortgage · Commercial Mortgage SEACOAST NATIONAL BANK
Sep 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage SWBC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2015 · Amount on File
Deed Sale	Sep 24, 2015 · Amount on File
Prior Sale	Jul 14, 2014 · Amount on File
Deed Document Number	20154114717
Deed Book / Page	3791 / 726
Prior Transfer Date	Aug 19, 2005
Prior Transfer Doc	0023512013
Record Updated	Jun 8, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LUCIE FL
Property Address	135 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	0039601112
Date	Feb 6, 2017
Book Page	3960/1112
Instrument	4274080

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	179 Months
Due	Jan 27, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LUCIE FL
Property Address	135 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	0044730648
Date	Sep 9, 2020
Book Page	4473/648
Instrument	4751629

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2030

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		$308,044	$492,900 Land $205,400 Building $287,500
2024	$5,439.00 (+2.01%)
2023	$5,332.00 (+4.59%) Additional exemption filed	$505,000 (+78.96%) Land $219,400 Building $285,600	$505,000 (+23.71%) Land $219,400 Building $285,600
2022	$5,098.00 Homeowner's exemption	$282,179	$408,200 Land $177,500 Building $230,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 135 Pepper Ln in Zone X, an area of minimal flood risk, within 500 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 500 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 135 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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