3204 Memory Ln, Fort Pierce, FL 34981 Property Records

St. Lucie County property record for 3204 Memory Ln, Fort Pierce, FL 34981

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,768 sqft · built 1974
Lot Size	0.289 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$304,500 (May 2021)
Tax Bill	$3,798 (2024)
Deeds & Mortgages	May 2021 Sale & Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2430-502-0036-000-9`

Property Details

APN / Parcel Number

Primary APN	`2430-502-0036-000-9`
Alternative APN	`32897`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,768 sqft Finished Area
1st Floor Area	1,768 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Shingle
Lot Area	12,632 sqft (0.289 acres)
Garage Type	Attached
Garage Area	667 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	836 sqft
Porch	Open Porch
Porch Area	405 sqft
Patio Area	852 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	32897
Street Address	3204 MEMORY LN
City	FORT PIERCE
State	FL
Zip	34981-4413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3 - COU
Legal Description	RIVER OAK ESTATES LOT 36 (0.29 AC)
Legal Range	40E
Legal Township	35S
Legal Section	30
Legal Subdivision	RIVER OAK ESTATES
Legal Lot Number	36
Jurisdiction	ST LUCIE FL
Township / Civil Division	FORT PIERCE
Census Block Group	1
Census Block	1063
Census Tract	381402

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3204 MEMORY LN, FORT PIERCE, FL 34981-4413
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2021	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 16, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Aug 1, 2018	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS
Aug 28, 2017	Warranty Deed, Transfer FIRST INT'L TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2021 · Amount on Record
Deed Sale	May 14, 2021 · Amount on Record
Prior Sale	Aug 1, 2018 · Amount on Record
Deed Document Number	0004611503
Deed Book / Page	4611 / 503
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LUCIE FL
Recording Date	May 14, 2021
Property Address	3204 MEMORY LN, FORT PIERCE, FL 34981-4413
Document Number	0046110503
Book / Page	4611 / 503
Map Reference	MB 16 PG 5
Instrument Date	May 14, 2021
Instrument	4864054
Transaction Type	Transfer
Record Updated	May 28, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,131.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3171 DAME RD, 3171, FORT PIERCE, FL 34981-4524

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3204 MEMORY LN, FORT PIERCE, FL 34981-4413

Mortgage

Document Number	4611505
Date	May 14, 2021
Instrument	4611/505

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LUCIE FL
Property Address	3204 MEMORY LN, FORT PIERCE, FL 34981-4413
Document Number	0043362211
Instrument Date	Oct 16, 2019
Transaction Type	Mortgage
Record Updated	Nov 7, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3204 MEMORY LN FORT PIERCE FL 349814413, FORT PIERCE, FL 34981-4413

Mortgage

Document Number	0043362211
Date	Oct 23, 2019
Book Page	004336/002211
Instrument	4632830

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LUCIE FL
Recording Date	Aug 1, 2018
Property Address	3204 MEMORY LN, FORT PIERCE, FL 34981-4413
Document Number	0041640721
Book / Page	004164 / 000721
Instrument Date	Aug 1, 2018
Instrument	4465526
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	PATCH REEF TITLE COMPANY INC, PATCH REEF TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,722.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3204 MEMORY LN FORT PIERCE FL 349814413, FORT PIERCE, FL 34981-4413

Mortgage

Document Number	41640723
Date	Aug 1, 2018
Book Page	004164/000723
Instrument	4465527

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2048

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LUCIE FL
Recording Date	Aug 28, 2017
Property Address	3204 MEMORY LN, FORT PIERCE, FL 34981-4413
Document Number	0040352002
Book / Page	004035 / 002002
Instrument Date	Aug 28, 2017
Instrument	4344660
Transaction Type	Transfer
Record Updated	Sep 15, 2017
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount Recorded
Tax	$910.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 15099 FORT PIERCE FL 349795099, FORT PIERCE, FL 34979-5099

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		$225,351 (-32.53%)	$349,700 (+4.7%) Land $131,800 Building $217,900
2024	$3,798.00 (+2.18%)
2023	$3,717.00 (+5.63%) Additional exemption filed	$334,000 (+61.8%) Land $118,900 Building $215,100	$334,000 (+25.09%) Land $118,900 Building $215,100
2022	$3,519.00 Homeowner's exemption	$206,430	$267,000 Land $89,900 Building $177,100

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

Flood

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 Record median of 80 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	80 in force
Nearby Flood Claims	178 (1979–2024)
Claims Outside the SFHA	49 of 178
Most Recent Claim	Dec 2024 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 25 claims Tropical Storm Fay, Sep 2008 · 31 claims Hurricane Frances, Oct 2004 · 22 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.08% 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 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Verizon.

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