3208 River Dr, Fort Pierce, FL 34981 Property Records

St. Lucie County property record for 3208 River Dr, Fort Pierce, FL 34981

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,029 sqft · built 1981
Lot Size	0.289 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Jul 2019)
Tax Bill	$3,104 (2024)
Deeds & Mortgages	Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2430-502-0003-000-9`

Property Details

APN / Parcel Number

Primary APN	`2430-502-0003-000-9`
Alternative APN	`32870`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,029 sqft Finished Area
1st Floor Area	2,029 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Metal
Lot Area	12,632 sqft (0.289 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	160 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	32870
Street Address	3208 RIVER DR
City	FORT PIERCE
State	FL
Zip	34981-4503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3 - COU
Legal Description	RIVER OAK ESTATES LOT 3 (0.29 AC)
Legal Range	40E
Legal Township	35S
Legal Section	30
Legal Subdivision	RIVER OAK ESTATES
Legal Lot Number	3
Jurisdiction	ST LUCIE FL
Township / Civil Division	FORT PIERCE
Census Block Group	1
Census Block	1061
Census Tract	381402

Owner

3208 River Dr is owned and occupied by an individual who bought it in July 2019.

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

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	Individual Name on File
Mailing Address	3208 RIVER DR, FORT PIERCE, FL 34981-4503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2019 · Amount on File
Deed Sale	Jul 17, 2019 · Amount on File
Prior Sale	Jan 23, 2008 · Amount on File
Deed Document Number	4593768
Deed Book / Page	4296 / 0296
Record Updated	Jun 8, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LUCIE FL
Recording Date	Jul 17, 2019
Property Address	3208 RIVER DR, FORT PIERCE, FL 34981-4503
Document Number	0042960296
Book / Page	4296 / 0296
Map Reference	MB 16 PG 5
Instrument Date	Jul 15, 2019
Instrument	4593768
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3208 RIVER DR, FORT PIERCE, FL 34981-4503

Mortgage

Document Number	0042960298
Date	Jul 17, 2019
Instrument	4296-0298

Lender

Name	FBC MORTGAGE LLC
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

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		$188,009 (-38.84%)	$327,600 (+6.57%) Land $131,800 Building $195,800
2024	$3,104.00 (+2.27%)
2023	$3,035.00 (+6.45%) Additional exemption filed	$307,400 (+78.49%) Land $118,900 Building $188,500	$307,400 (+26.5%) Land $118,900 Building $188,500
2022	$2,851.00 Homeowner's exemption	$172,224	$243,000 Land $89,900 Building $153,100

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

Flood

FEMA maps place 3208 River Dr 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 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

Wildfire risk around 3208 River Dr is moderate, ranking above 44% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: FPUAnet Communications.

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