411 Emerald Ave, Fort Pierce, FL 34945 Property Records

St. Lucie County property record for 411 Emerald Ave, Fort Pierce, FL 34945

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,364 sqft · built 1977
Lot Size	0.689 acres (30,056 sqft)
Owner	2 Owner Names on Record
Last Sale	$50,000 (Jan 1997)
Tax Bill	$625 (2024)
Deeds & Mortgages	Mar 2024 Reverse Mortgage Apr 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`2309-801-0012-000-0`

Property Details

APN / Parcel Number

Primary APN	`2309-801-0012-000-0`
Alternative APN	`13354`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,364 sqft Finished Area
1st Floor Area	1,364 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1992
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Metal
Lot Area	30,056 sqft (0.689 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	75 sqft
Patio Area	1,240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	13354
Street Address	411 EMERALD AVE
City	FORT PIERCE
State	FL
Zip	34945-2124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-1
Legal Description	WEST FORT PIERCE ESTATES -UNRECORDED PLAT IN SEC 9-35-39-LOT 12 (0.69 AC) (OR 1054-1471)
Legal Range	39E
Legal Township	35S
Legal Section	09
Legal Subdivision	WEST FORT PIERCE ESTATES (UNRECORDED)
Legal Lot Number	12
Jurisdiction	ST LUCIE FL
Township / Civil Division	WEST ST. LUCIE
Census Block Group	2
Census Block	2001
Census Tract	382202

Owner

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	2 Owner Names on Record
Mailing Address	411 EMERALD AVE, FORT PIERCE, FL 34945-2124
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2024	Deed of Trust, Mortgage · Reverse Mortgage TD BANK NA A CHARTERED BANK
Apr 4, 2017	Deed of Trust, Mortgage · Line of Credit TD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 1997 · Amount on Record
Deed Sale	Jan 7, 1997 · Amount on Record
Deed Document Number	0105401471
Deed Book / Page	01054 / 01471
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LUCIE FL
Property Address	411 EMERALD AVE, FORT PIERCE, FL 34945-2124
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 EMERALD AVE, FORT PIERCE, FL 34945-2124

Mortgage

Document Number	0051240360
Date	Mar 25, 2024
Book Page	5124/360
Instrument	5315553

Lender

Name	TD BANK NA A CHARTERED BANK
Address	2035 LIMESTONE RD, WILMINGTON, DE 19808

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 13, 2054

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LUCIE FL
Property Address	411 EMERALD AVE, FORT PIERCE, FL 34945-2124
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039801583
Date	Apr 4, 2017
Book Page	3980/1583
Instrument	4293919

Lender

Name	TD BANK NA
Type	Bank
Address	PORTLAND, ME 04101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$71,608 (-75.73%)	$324,100 (+9.86%) Land $149,600 Building $174,500
2024	$625.00 (+0.64%)
2023	$621.00 (+1.31%) Additional exemption filed	$295,000 (+349.72%) Land $121,800 Building $173,200	$295,000 (+18.76%) Land $121,800 Building $173,200
2022	$613.00 Homeowner's exemption	$65,597	$248,400 Land $95,700 Building $152,700

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 25 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 in force

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	Moderate above 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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