148 Pepper Ln, Jensen Beach, FL 34957 Property Records

St. Lucie County property record for 148 Pepper Ln, Jensen Beach, FL 34957

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,651 sqft · built 1995
Lot Size	0.091 acres (3,988 sqft)
Owner	2 Individual Names on File
Last Sale	$635,000 (May 2023)
Tax Bill	$5,906 (2024)
Deeds & Mortgages	Jun 2023 Mortgage Mar 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4511-503-0032-000-8`

Property Details

APN / Parcel Number

Primary APN	`4511-503-0032-000-8`
Alternative APN	`134238`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,651 sqft Finished Area
1st Floor Area	1,651 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Concrete Tile
Lot Area	3,988 sqft (0.091 acres)
Garage Type	Attached
Garage Area	391 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	23 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	134238
Street Address	148 PEPPER LN
City	JENSEN BEACH
State	FL
Zip	34957-2572
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PLANNED UN
Legal Description	BAY TREE LOT 26
Legal Range	41E
Legal Township	37S
Legal Section	11
Legal Subdivision	BAY TREE
Legal Lot Number	26
Jurisdiction	ST LUCIE FL
Township / Civil Division	HUTCHINSON ISLAND
Census Block Group	1
Census Block	1009
Census Tract	381702

Owner

148 Pepper Ln is owned and occupied by two individuals who bought it in May 2023.

Source: St. Lucie County records, as of November 24, 2025

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	148 PEPPER LN, JENSEN BEACH, FL 34957-2572
Occupancy	Owner Occupied
Owner Type	Individual

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 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Mar 2, 2023	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Mar 31, 2021	Warranty Deed, Transfer · Conventional Mortgage EMM LOANS LLC
Nov 30, 2017	Deed of Trust, Mortgage · Commercial Mortgage SEACOAST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2023 · Amount on File
Deed Sale	May 23, 2023 · Amount on File
Prior Sale	Mar 31, 2021 · Amount on File
Deed Document Number	0049981569
Deed Book / Page	4582 / 1817
Prior Transfer Date	Mar 2, 2023
Prior Transfer Doc	5161391
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LUCIE FL
Property Address	148 PEPPER LN, JENSEN BEACH, FL 34957-2572
Transaction Type	Mortgage
Record Updated	Jun 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 SOUTHSTAR DR, FORT PIERCE, FL 34949-9127

Mortgage

Document Number	0049981572
Date	Jun 1, 2023
Book Page	4998/1572
Instrument	5199990

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LUCIE FL
Recording Date	Mar 2, 2023
Property Address	148 PEPPER LN, JENSEN BEACH, FL 34957-2572
Document Number	0049562610
Book / Page	4956 / 2610
Map Reference	MB 168 PG 1348
Instrument Date	Feb 27, 2023
Instrument	5161391
Transaction Type	Transfer
Record Updated	Mar 15, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100725 SOUTH OCEAN DRIVE #420420, 420420, JENSEN BEACH, FL 34957

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10725 S OCEAN DR LOT 420, 420, JENSEN BEACH, FL 34957-2662

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LUCIE FL
Recording Date	Mar 31, 2021
Property Address	148 PEPPER LN, JENSEN BEACH, FL 34957-2572
Document Number	0045821817
Book / Page	4582 / 1817
Map Reference	MB 32 PG 1
Instrument Date	Mar 29, 2021
Instrument	4840765
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,905.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3471 NW WILLOW CREEK DR, 3471, JENSEN BEACH, FL 34957-3437

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	148 PEPPER LN, JENSEN BEACH, FL 34957-2572

Mortgage

Document Number	0045821820
Date	Mar 31, 2021
Instrument	4582/1820

Lender

Name	EMM LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LUCIE FL
Property Address	148 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	0040700199
Date	Nov 30, 2017
Book Page	4070/0199
Instrument	4375618

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	JENSEN BEACH, FL 34957

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 20, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: St. Lucie County assessment roll, as of July 1, 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		$332,492	$562,800 Land $271,700 Building $291,100
2024	$5,906.00 (-21.7%)
2023	$7,543.00 (+3.87%) Additional exemption filed	$565,800 (+45.04%) Land $275,800 Building $290,000	$565,800 (+45.04%) Land $275,800 Building $290,000
2022	$7,262.00 Homeowner's exemption	$390,100 Land $178,400 Building $211,700	$390,100 Land $178,400 Building $211,700

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

Flood

FEMA maps place 148 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 148 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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