3238 E Lake Dr, Fort Pierce, FL 34982 Property Records

St. Lucie County property record for 3238 E Lake Dr, Fort Pierce, FL 34982

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,144 sqft · built 1972
Lot Size	0.178 acres (7,770 sqft)
Owner	Individual Name on File
Last Sale	$95,000 (Jul 2019)
Tax Bill	$1,401 (2024)
Deeds & Mortgages	Mar 2023 Line of Credit Jul 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2427-701-0046-000-3`

Property Details

APN / Parcel Number

Primary APN	`2427-701-0046-000-3`
Alternative APN	`31960`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,144 sqft Finished Area
1st Floor Area	1,144 sqft
Utility Area	80 sqft
Utility Room	Utility Room
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	7,770 sqft (0.178 acres)
Porch	Open Porch
Porch Area	222 sqft
Patio Area	272 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	31960
Street Address	3238 E LAKE DR
City	FORT PIERCE
State	FL
Zip	34982-6529
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-11 - CO
Legal Description	SILVER LAKE PARK S/D BLK 3 LOT 5
Legal Range	40E
Legal Township	35S
Legal Section	27
Legal Subdivision	SILVER LAKE PARK SUBDIVISION
Legal Block	3
Legal Lot Number	5
Jurisdiction	ST LUCIE FL
Township / Civil Division	FORT PIERCE
Census Block Group	3
Census Block	3038
Census Tract	381402

Owner

3238 E Lake 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 of Record	Individual Name on File
Mailing Address	3238 E LAKE DR, FORT PIERCE, FL 34982-6529
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
Mar 22, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jul 9, 2019	Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA
Aug 23, 2018	Warranty Deed, Transfer C B PEARSON
Feb 7, 2017	Warranty Deed, Transfer LIBERTY TITLE COMPANY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2019 · Amount on File
Deed Sale	Jul 9, 2019 · Amount on File
Prior Sale	Aug 23, 2018 · Amount on File
Deed Document Number	4590195
Deed Book / Page	4292 / 2183
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LUCIE FL
Property Address	3238 E LAKE DR, FORT PIERCE, FL 34982-6529
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3238 E LAKE DR, FORT PIERCE, FL 34982-6529

Mortgage

Document Number	0049642536
Date	Mar 22, 2023
Book Page	4964/2536
Instrument	5169073

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Apr 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LUCIE FL
Recording Date	Jul 9, 2019
Property Address	3238 E LAKE DR, FORT PIERCE, FL 34982-6529
Document Number	0042922183
Book / Page	004292 / 002183
Instrument Date	Jul 3, 2019
Instrument	4590195
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$665.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3238 E LAKE DR FORT PIERCE FL 349826529, FORT PIERCE, FL 34982-6529

Mortgage

Document Number	42922184
Date	Jul 9, 2019
Book Page	004292/002184
Instrument	4590196

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 8, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LUCIE FL
Recording Date	Aug 23, 2018
Property Address	3238 E LAKE DR, FORT PIERCE, FL 34982-6529
Document Number	0041722519
Book / Page	004172 / 002519
Instrument Date	Aug 20, 2018
Instrument	4473531
Transaction Type	Transfer
Record Updated	Sep 11, 2018
Title Company	LIBERTY TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	552 SE CRESCENT AVE PORT ST LUCIE FL 349844766, PORT ST LUCIE, FL 34984-4766

Mortgage

Document Number	41722520
Date	Aug 23, 2018
Book Page	004172/002520
Instrument	4473532

Lender

Name	C B PEARSON
Address	1162 HYDE PARK RD, LOXAHATCHEE, FL 33470-4999

Agreement

Amount	Amount on Record
Term	24 Months
Due	Aug 22, 2020

Interest

Rate	8%

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LUCIE FL
Recording Date	Feb 7, 2017
Property Address	3238 E LAKE DR, FORT PIERCE, FL 34982-6529
Document Number	0039610571
Book / Page	003961 / 000571
Instrument Date	Feb 6, 2017
Instrument	4274939
Transaction Type	Transfer
Record Updated	Feb 15, 2017
Title Company	LIBERTY TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Tax	$399.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	649 SE FORGAL ST PORT ST LUCIE FL 349832733, PORT ST LUCIE, FL 34983-2733

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		$97,708	$180,800 Land $82,100 Building $98,700
2024	$1,401.00 (+2.86%)
2023	$1,362.00 (+12.38%) Additional exemption filed	$139,400 (+55.75%) Land $53,300 Building $86,100	$139,400 (+23.69%) Land $53,300 Building $86,100
2022	$1,212.00 Homeowner's exemption	$89,505	$112,700 Land $35,500 Building $77,200

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

Flood

FEMA maps place 3238 E Lake Dr in Zone X, an area of minimal flood risk, though there have been 107 flood claims nearby since 1979.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	107 (1979–2024)
Claims Outside the SFHA	18 of 107
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Irma, Sep 2017 · 10 claims Tropical Storm Fay, Aug 2008 · 22 claims Hurricane Frances, Sep 2004 · 26 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 3238 E Lake Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% 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 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Hotwire Communications, T-Mobile, Verizon.

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