409 Hernando St, Fort Pierce, FL 34949 Property Records

St. Lucie County property record for 409 Hernando St, Fort Pierce, FL 34949

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 3 ba · 2,800 sqft · built 1992
Lot Size	0.261 acres (11,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$405,000 (Oct 2019)
Tax Bill	$17,544 (2024)
Deeds & Mortgages	Feb 2022 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`2401-502-0067-000-5`

Property Details

APN / Parcel Number

Primary APN	`2401-502-0067-000-5`
Alternative APN	`14898`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	2 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,800 sqft Finished Area
1st Floor Area	1,400 sqft
2nd Floor Area	1,400 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Shingle
Lot Area	11,375 sqft (0.261 acres)
Garage Type	Attached
Garage Area	712 sqft
Porch	Open Porch
Porch Area	768 sqft
Patio Area	712 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	14898
Street Address	409 HERNANDO ST
City	FORT PIERCE
State	FL
Zip	34949-3242
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	HI MEDIUM
Legal Description	REVISED PALM HAVEN S/D-UNIT 1- BLK 6 LOT14-LESS N 7 FT- AND ALL LOT 15
Legal Range	40E
Legal Township	35S
Legal Section	01
Legal Subdivision	PALM HAVEN SUBDIVISION
Legal Block	6
Legal Lot Number	14-15
Jurisdiction	ST LUCIE FL
Township / Civil Division	HUTCHINSON ISLAND
Census Block Group	4
Census Block	4025
Census Tract	381300

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	2 Individual Names on Record
Mailing Address	775 HOWARD ST, FORT PIERCE, FL 34982-7431
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2022	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Jun 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Oct 2, 2019	Warranty Deed, Transfer · Conventional with PMI PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2019 · Amount on Record
Deed Sale	Oct 2, 2019 · Amount on Record
Prior Sale	Nov 1, 1999 · Amount on Record
Deed Document Number	4623912
Deed Book / Page	4327 / 2850
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LUCIE FL
Property Address	409 HERNANDO ST, FORT PIERCE, FL 34949-3242
Transaction Type	Mortgage
Record Updated	Feb 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 HERNANDO ST, HUTCHINSON ISLAND, FL 34949-3242

Mortgage

Document Number	0047640668
Date	Feb 1, 2022
Book Page	4764/668
Instrument	4986771

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 24, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LUCIE FL
Property Address	409 HERNANDO ST, FORT PIERCE, FL 34949-3242
Transaction Type	Mortgage
Record Updated	Jul 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 HERNANDO ST, FORT PIERCE, FL 34949-3242

Mortgage

Document Number	0046332689
Date	Jun 21, 2021
Book Page	4633/2689
Instrument	4882631

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LUCIE FL
Recording Date	Oct 2, 2019
Property Address	409 HERNANDO ST, FORT PIERCE, FL 34949-3242
Document Number	0043272850
Book / Page	004327 / 002850
Instrument Date	Sep 23, 2019
Instrument	4623912
Transaction Type	Transfer
Record Updated	Oct 14, 2019
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,835.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 HERNANDO ST FORT PIERCE FL 349493242, FORT PIERCE, FL 34949-3242

Mortgage

Document Number	43272852
Date	Oct 2, 2019
Book Page	004327/002852
Instrument	4623913

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 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
Municipality	Fort Pierce City
Unified School District	St. Lucie County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$766,500 (-0.8%)	$766,500 (-0.8%) Land $379,400 Building $387,100
2024	$17,544.00 (-7.18%)
2023	$18,901.00 (+94.33%)	$772,700 (+81.7%) Land $347,700 Building $425,000	$772,700 (+25.52%) Land $347,700 Building $425,000
2022	$9,726.00 Homeowner's exemption	$425,260	$615,600 Land $295,100 Building $320,500

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
Coastal	Yes
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 156 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	316 units insured incl. 160 condo units
Nearby Flood Claims	387 (1979–2024)
Claims Outside the SFHA	23 of 387
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Irma, Sep 2017 · 17 claims Hurricane Frances, Sep 2004 · 330 claims Hurricane Irene, Oct 1999 · 3 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 99.8% of the US · lower than 99.7% 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 251 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 · Fixed Wireless in parts of the area	100 / 20

May also be available: FPUAnet Communications.

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