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5135 Montecristo Ter, Fort Pierce, FL 34951 Property Records

St. Lucie County property record for 5135 Montecristo Ter, Fort Pierce, FL 34951

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,477 sqft · built 2024
Lot Size0.119 acres (5,184 sqft)
OwnerIndividual Name on File
Last Sale$364,995 (Oct 2024)
Tax Bill$3,724 (2024)
Deeds & MortgagesSep 2025 Mortgage
Oct 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN1314-601-0054-000-5

Property Details

APN / Parcel Number

Primary APN1314-601-0054-000-5
Alternative APN
  • 198228

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,477 sqft Finished Area
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2024
Exterior MaterialStucco
Construction TypeConcrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeHip
Roof MaterialShingle
Lot Area5,184 sqft (0.119 acres)
Garage TypeAttached
Garage Area380 sqft
PorchOpen Porch
Porch Area155 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Account Number198228
Street Address5135 MONTECRISTO TER
CityFORT PIERCE
StateFL
Zip34951-4475
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePLANNED UN
Legal DescriptionWATERSTONE PHASE FIVE (PB 112-3) LOT 51
Legal SubdivisionWATERSTONE PHASE FIVE
Legal Lot Number51
JurisdictionST LUCIE FL
Township / Civil DivisionFORT PIERCE
Census Block Group1
Census Block1033
Census Tract381105

Owner

5135 Montecristo Ter is owned and occupied by an individual who bought it in October 2024.

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 RecordIndividual Name on File
Mailing Address5135 MONTECRISTO TER, FORT PIERCE, FL 34951-4475
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 29, 2025Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Oct 29, 2024Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage
FIRST ALLIANCE HOME MORTGAGE LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 29, 2024 · Amount on File
Deed SaleOct 29, 2024 · Amount on File
Deed Document Number5402322
Deed Book / Page5225 / 2953
Record UpdatedJun 8, 2026

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST LUCIE FL
Property Address5135 MONTECRISTO TER, FORT PIERCE, FL 34951-4475
Transaction TypeMortgage
Record UpdatedNov 25, 2025
Title CompanyMORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

NameVerified Name
Address5135 MONTECRISTO TER, FORT PIERCE, FL 34951-4475

Mortgage

Document Number0053730623
DateSep 29, 2025
Book Page5373/623
Instrument5532869
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term481 Months
DueOct 1, 2065

October 2024: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionST LUCIE FL
Recording DateOct 29, 2024
Property Address5135 MONTECRISTO TER, FORT PIERCE, FL 34951-4475
Document Number0052252953
Book / Page5225 / 2953
Map ReferenceMB 112 PG 3
Instrument DateOct 28, 2024
Instrument5402322
Transaction TypeSubdivision Related Transfer
Record UpdatedNov 25, 2025
Title CompanyEASTERN NATIONAL TITLE AGENCY FLORIDA LLC, EASTERN NATL TTL AGCY FL LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,555.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3601 QUANTUM BLVD, BOYNTON BEACH, FL 33426-8638

Transferred To (Grantee/Buyer)

NameVerified Name
Address5135 MONTECRISTO TER, FORT PIERCE, FL 34951-4475

Mortgage

Document Number0005402323
DateOct 29, 2024
Instrument5402323
Lender
NameFIRST ALLIANCE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2054

Tax Assessment & Valuation

Source: St. Lucie County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySt. Lucie County
Unified School DistrictSt. Lucie County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$280,600$280,600 Land $90,700 Building $189,900
2024$3,724.00

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

Flood

FEMA maps place 5135 Montecristo Ter in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 15, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 35 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies35 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

Wildfire risk around 5135 Montecristo Ter is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire RiskModerate
above 53% of the US · lower than 75% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemST LUCIE COUNTY UTIL NORTH COUNTY SYSTEM
private · serves 5,073 people · EPA ID FL4561689
Water SourceGroundwater
Last State InspectionJul 2025
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting35
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 94 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Hotwire Communications
Fiber		1,000 / 200
Verizon
Fixed Wireless		300 / 20

May also be available: AT&T, Xfinity.

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