3220 Memory Ln, Fort Pierce, FL 34981 Property Records

St. Lucie County property record for 3220 Memory Ln, Fort Pierce, FL 34981

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,516 sqft · built 1977
Lot Size	0.319 acres (13,939 sqft)
Owner	Individual Name on Record
Last Sale	$295,000 (Nov 2020)
Tax Bill	$7,364 (2024)
Deeds & Mortgages	May 2017 Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`2430-502-0040-000-0`

Property Details

APN / Parcel Number

Primary APN	`2430-502-0040-000-0`
Alternative APN	`32901`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,516 sqft Finished Area
1st Floor Area	1,316 sqft
2nd Floor Area	1,060 sqft
Upper Floors Area	140 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1985
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	13,939 sqft (0.319 acres)
Garage Type	Attached
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	416 sqft
Porch	Porch
Porch Area	705 sqft
Patio Area	1,027 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	32901
Street Address	3220 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 40 AND N 10 FT OF LOT 41 (0.32 AC)
Legal Range	40E
Legal Township	35S
Legal Section	30
Legal Subdivision	RIVER OAK ESTATES
Legal Lot Number	40-41
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	3220 MEMORY LN, FORT PIERCE, FL 34981-4413
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Nov 13, 2020	Warranty Deed, Transfer · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2020 · Amount on Record
Deed Sale	Nov 13, 2020 · Amount on Record
Prior Sale	May 1, 1997 · Amount on Record
Deed Document Number	4779628
Deed Book / Page	4507 / 498
Record Updated	Jun 8, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LUCIE FL
Property Address	3220 MEMORY LN, FORT PIERCE, FL 34981-4413
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039981914
Date	May 22, 2017
Book Page	3998/1914
Instrument	4310796

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LUCIE FL
Recording Date	Nov 13, 2020
Property Address	3220 MEMORY LN, FORT PIERCE, FL 34981-4413
Document Number	0045070498
Book / Page	4507 / 498
Map Reference	MB 16 PG 5
Instrument Date	Nov 12, 2020
Instrument	4779628
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	HARBOR TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,065.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	105 NE CHARLESTON OAKS DR, 105, PORT SAINT LUCIE, FL 34983-3345

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3220 MEMORY LN, FORT PIERCE, FL 34981-4413

Mortgage

Document Number	0004507500
Date	Nov 13, 2020
Instrument	4507/500

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

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		$379,572 (-1%)	$405,000 (+5.63%) Land $137,200 Building $267,800
2024	$7,364.00 (+6.31%)
2023	$6,927.00 (+16.56%)	$383,400 (+36.31%) Land $123,800 Building $259,600	$383,400 (+25.95%) Land $123,800 Building $259,600
2022	$5,943.00	$281,270	$304,400 Land $93,700 Building $210,700

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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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