St. Lucie County property record for 5609 Spruce Dr, Fort Pierce, FL 34982
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,164 sqft · built 1997 |
| Lot Size | 0.301 acres (13,125 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,265 (2024) |
| Deeds & Mortgages | Feb 2019 Line of Credit Jan 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 3402-610-0206-000-0 |
| Primary APN | 3402-610-0206-000-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,164 sqft Living Area |
| Gross Area | 3,884 sqft |
| 1st Floor Area | 2,164 sqft |
| Utility Room | Utility Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 13,125 sqft (0.301 acres) |
| Lot Dimensions | 125 ft deep x 105 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Driveway | Concrete Driveway |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 288 sqft |
|---|---|
| Porch | Screened Porch |
| Porch Area | 296 sqft |
| Deck Area | Deck Area |
| Patio Area | 736 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 38353 |
|---|---|
| Street Address | 5609 SPRUCE DR |
| City | FORT PIERCE |
| State | FL |
| Zip | 34982-3872 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-4 COUNT |
| Legal Description | INDIAN RIVER ESTATES-UNIT-09- BLK 77 LOT 21 (MAP 34/11N) |
| Legal Range | 40E |
| Legal Township | 36S |
| Legal Section | 11 |
| Legal Subdivision | INDIAN RIVER ESTATES UNIT 9 |
| Legal Block | 77 |
| Legal Lot Number | 21 |
| Jurisdiction | ST LUCIE FL |
| Township / Civil Division | FORT PIERCE |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 381604 |
5609 Spruce Dr is owned and occupied by an individual who acquired it in January 2019.
Source: St. Lucie County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5609 SPRUCE DR, FORT PIERCE, FL 34982-3872 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 5, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Jan 15, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 4, 2019 |
| Transfer Doc | 0042222880 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LUCIE FL |
| Property Address | 5609 SPRUCE DR, FORT PIERCE, FL 34982-3872 |
| Document Number | 0042330559 |
| Instrument Date | Feb 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2019 |
| Name | Verified Name |
|---|---|
| Address | 5609 SPRUCE DR FORT PIERCE FL 349823703, FORT PIERCE, FL 34982-3703 |
| Document Number | 0042330559 |
|---|---|
| Date | Feb 15, 2019 |
| Book Page | 004233/000559 |
| Instrument | 4531477 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 14, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LUCIE FL |
| Recording Date | Jan 15, 2019 |
| Property Address | 5609 SPRUCE DR, FORT PIERCE, FL 34982-3872 |
| Document Number | 0042222880 |
| Book / Page | 004222 / 002880 |
| Instrument Date | Jan 4, 2019 |
| Instrument | 4520300 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 5609 SPRUCE DR FORT PIERCE FL 349823703, FORT PIERCE, FL 34982-3703 |
Source: St. Lucie County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | St. Lucie County |
| Unified School District | St. Lucie County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $143,983 | $369,900 Land $115,600 Building $254,300 | |
| 2024 | $2,265.00 (+2.49%) | ||
| 2023 | $2,210.00 (+8.12%) Additional exemption filed | $349,200 (+164.76%) Land $95,400 Building $253,800 | $349,200 (+10.3%) Land $95,400 Building $253,800 |
| 2022 | $2,044.00 Homeowner's exemption | $131,895 | $316,600 Land $99,800 Building $216,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5609 Spruce Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
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 File median of 41 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 41 in force |
| Nearby Flood Claims | 1 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 2020 · rainfall accumulation |
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 risk around 5609 Spruce Dr is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 47% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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.
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 |
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.
Source: FCC Broadband Data Collection, based on 147 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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