4575 Kirby Loop Rd, Fort Pierce, FL 34981 Property Records

St. Lucie County property record for 4575 Kirby Loop Rd, Fort Pierce, FL 34981

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,295 sqft · built 1955
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on Record
Last Sale	$191,500 (Feb 2019)
Tax Bill	$2,756 (2024)
Deeds & Mortgages	Mar 2023 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2419-431-0005-000-1`

Property Details

APN / Parcel Number

Primary APN	`2419-431-0005-000-1`
Alternative APN	`27438`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,295 sqft Finished Area
1st Floor Area	1,295 sqft
Utility Area	134 sqft
Utility Room	Utility Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1980
Exterior Material	Aluminum Siding
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	43,996 sqft (1.01 acres)
Garage Type	Carport
Carport	Carport
Carport Area	1,302 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	220 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	27438
Street Address	4575 KIRBY LOOP RD
City	FORT PIERCE
State	FL
Zip	34981-5343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3 - COU
Legal Description	19 35 40 FROM NE COR OF NE 1/4 OF SW 1/4 OF SE 1/4 RUN W 238.5 FT, TH S 33 FT FOR POB, TH S 262 FT, TH W 91.5 FT, TH N 70 FT,
Legal Range	40E
Legal Township	35S
Legal Section	19
Legal Subdivision	METES AND BOUNDS
Jurisdiction	ST LUCIE FL
Township / Civil Division	FORT PIERCE
Census Block Group	3
Census Block	3023
Census Tract	380700

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	4575 KIRBY LOOP RD, FORT PIERCE, FL 34981-5343
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Aug 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Feb 28, 2019	Warranty Deed, Transfer · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2019 · Amount on Record
Deed Sale	Feb 28, 2019 · Amount on Record
Prior Sale	Nov 29, 2016 · Amount on Record
Deed Document Number	4536303
Deed Book / Page	4237 / 2382
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LUCIE FL
Property Address	4575 KIRBY LOOP RD, FORT PIERCE, FL 34981-5343
Transaction Type	Mortgage
Record Updated	Apr 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4575 KIRBY LOOP RD, FORT PIERCE, FL 34981-5343

Mortgage

Document Number	0049660834
Date	Mar 24, 2023
Book Page	4966/834
Instrument	5170519

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Mar 20, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LUCIE FL
Property Address	4575 KIRBY LOOP RD, FORT PIERCE, FL 34981-5343
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4575 KIRBY LOOP RD, FORT PIERCE, FL 34981-5343

Mortgage

Document Number	0046592188
Date	Aug 4, 2021
Book Page	4659/2188
Instrument	4903820

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LUCIE FL
Recording Date	Feb 28, 2019
Property Address	4575 KIRBY LOOP RD, FORT PIERCE, FL 34981-5343
Document Number	0042372382
Book / Page	004237 / 002382
Instrument Date	Feb 22, 2019
Instrument	4536303
Transaction Type	Transfer
Record Updated	Mar 27, 2019
Title Company	ELITE TITLE/THE TREASURE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,340.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4575 KIRBY LOOP RD FORT PIERCE FL 349815343, FORT PIERCE, FL 34981-5343

Mortgage

Document Number	42372384
Date	Feb 28, 2019
Book Page	004237/002384
Instrument	4536304

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 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		$169,311 (-48.25%)	$308,600 (-5.68%) Land $182,300 Building $126,300
2024	$2,756.00 (+2.3%)
2023	$2,694.00 (+7.03%) Additional exemption filed	$327,200 (+110.97%) Land $210,600 Building $116,600	$327,200 (+42.2%) Land $210,600 Building $116,600
2022	$2,517.00 Homeowner's exemption	$155,096	$230,100 Land $112,200 Building $117,900

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 28 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	8 (1985–2015)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Sep 2015 · other causes

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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.06% 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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: FPUAnet Communications.

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