646 Eldorado St, Fort Pierce, FL 34949 Property Records

St. Lucie County property record for 646 Eldorado St, Fort Pierce, FL 34949

Property Summary

Property Type	Multi-Family Dwellings
Details	8 bd · 6 ba · 4,004 sqft · built 1984
Lot Size	0.26 acres (11,329 sqft)
Owner	Company Name on File
Last Sale	$2,300,000 (Sep 2022)
Tax Bill	$21,169 (2025)
Deeds & Mortgages	May 2026 Sale Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`2401-503-0054-000-4`

Property Details

APN / Parcel Number

Primary APN	`2401-503-0054-000-4`
Alternative APN	`14964`

Interior

Bedrooms	8 Beds
Full Baths	6 Baths
Half Baths	4 Half Baths
Total Rooms	8 Rooms
Units	8 Units
Stories	2 Stories
Building Area	4,004 sqft Living Area
Gross Area	4,740 sqft
1st Floor Area	1,986 sqft
Upper Floors Area	32 sqft
Utility Area	128 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1995
Architectural Style	Multi-Family
Exterior Material	Frame/Stucco
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Other
Lot Area	11,329 sqft (0.26 acres)
Lot Dimensions	131 ft deep x 86 ft wide
Driveway	Asphalt Driveway
Porch	Open Porch
Porch Area	432 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	14964
Street Address	646 ELDORADO ST
City	FORT PIERCE
State	FL
Zip	34949-3505
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	HI MEDIUM
Legal Description	OCEAN VIEW S/D REVISED PLAT HOLLEY AND MORGAN`S S/D BLK 6 PART OF LOTS 11, 12 AND 13 MPDAF: FROM SW COR BLK 6 RUN N 17 DEG 53 MIN 23SEC W ALG W LI BLK 6 199.71 FT FOR POB, TH CONT N 17 DEG 53 MIN 23 SEC W 86.22 FT, TH N 89 DEG 48 MIN 18 SEC E 131.40
Legal Range	40E
Legal Township	35S
Legal Section	01
Legal Subdivision	OCEAN VIEW SUBDIVISION REPLAT HOLLEY & M
Legal Block	6
Legal Lot Number	11
Jurisdiction	ST LUCIE FL
Township / Civil Division	HUTCHINSON ISLAND
Census Block Group	4
Census Block	4023
Census Tract	381300

Owner

646 Eldorado St, a residential property, is owned by a company that bought it in September 2022.

Source: St. Lucie County records, as of October 19, 2026

Owner of Record	Company Name on File
Mailing Address	646 ELDORADO ST, FORT PIERCE, FL 34949-3505
Owner Type	Company
Vesting	Limited Liability Partnership

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Certificate of Transfer, Transfer
Nov 19, 2021	Deed of Trust, Mortgage MARR BUILDERS INC
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage AHL FUNDING
Jul 20, 2020	Warranty Deed, Transfer FIRST INT'L TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2022 · Amount on File
Deed Sale	Sep 13, 2022 · Amount on File
Prior Sale	Jul 20, 2020 · Amount on File
Deed Document Number	20225096908
Deed Book / Page	4888 / 714
Record Updated	Oct 29, 2026

May 2026: Certificate of Transfer, Transfer

Document Type	Certificate of Transfer
Jurisdiction	ST LUCIE FL
Recording Date	May 20, 2026
Property Address	646 ELDORADO ST, FORT PIERCE, FL 34949-3505
Document Number	0054762412
Book / Page	5476 / 2412
Instrument Date	May 19, 2026
Instrument	20265622467
Transaction Type	Transfer
Record Updated	Oct 23, 2026

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LUCIE FL
Property Address	646 ELDORADO ST, FORT PIERCE, FL 34949-3505
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047232688
Date	Nov 19, 2021
Book Page	4723/2688
Instrument	4954816

Lender

Name	MARR BUILDERS INC
Type	Non-Lending Institution
Address	PORT SAINT LUCIE, FL 34953

Agreement

Amount	Amount on Record

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LUCIE FL
Property Address	646 ELDORADO ST, FORT PIERCE, FL 34949-3505
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	335 NW TREELINE TRCE, PORT ST LUCIE, FL 34986-2652

Mortgage

Document Number	0045122384
Date	Nov 24, 2020
Book Page	4512/2384
Instrument	4784483

Lender

Name	AHL FUNDING
Type	Non-Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LUCIE FL
Recording Date	Jul 20, 2020
Property Address	646 ELDORADO ST, FORT PIERCE, FL 34949-3505
Document Number	0044481223
Book / Page	004448 / 001223
Instrument Date	Jul 15, 2020
Instrument	4731351
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount on Record
Tax	$4,333.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 695 PALM CITY FL 349910695, PALM CITY, FL 34991-0695

Tax Assessment & Valuation

The 2025 property tax bill for 646 Eldorado St was $21,169, up 6.8% from the year before.

Source: St. Lucie County assessment roll, as of December 8, 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	$21,169.00 (+6.81%)	$866,700 Land $378,500 Building $488,200	$866,700 Land $378,500 Building $488,200
2024	$19,820.00 (-4.99%)
2023	$20,861.00 (+34%)	$846,900 (+44.75%) Land $347,000 Building $499,900	$846,900 (+14.31%) Land $347,000 Building $499,900
2022	$15,568.00	$585,090	$740,900 Land $294,400 Building $446,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 646 Eldorado St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 File 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

The area around 646 Eldorado St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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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