St. Lucie County property record for 8785 Moco Ln, Fort Pierce, FL 34945
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,982 sqft · built 2020 |
| Lot Size | 0.91 acres (39,640 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $15,000 (May 2003) |
| Tax Bill | $4,669 (2024) |
| Deeds & Mortgages | Jul 2021 Second Mortgage Jul 2020 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2311-601-0068-000-0 |
| Primary APN | 2311-601-0068-000-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,982 sqft Living Area |
| Gross Area | 2,885 sqft |
| 1st Floor Area | 1,982 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 39,640 sqft (0.91 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 397 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 13507 |
|---|---|
| Street Address | 8785 MOCO LN |
| City | FORT PIERCE |
| State | FL |
| Zip | 34945-3481 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR-1 COUNT |
| Legal Description | JAY GARDENS-FT PIERCE BLK 5 LOTS 1, 2, 10 AND 11 AND N 25 FT OF VAC RD ADJ ON S OF LOTS 10 AND 11 (0.91 AC - 39,640 SF) |
| Legal Range | 39E |
| Legal Township | 35S |
| Legal Section | 11 |
| Legal Subdivision | JAY GARDENS OF FORT PIERCE |
| Legal Block | 5 |
| Legal Lot Number | 1 |
| Jurisdiction | ST LUCIE FL |
| Township / Civil Division | FORT PIERCE |
| Census Block Group | 1 |
| Census Block | 1051 |
| Census Tract | 380800 |
8785 Moco Ln is owned and occupied by two individuals who acquired it in August 2016.
Source: St. Lucie County records, as of March 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8785 MOCO LN, FORT PIERCE, FL 34945-3481 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jul 8, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jul 28, 2020 | Loan Modification, Mortgage · FHA Mortgage GOLDWATER BK NA |
| Aug 9, 2019 | Deed of Trust, Mortgage · FHA Mortgage GOLDWATER BK NA |
| Apr 16, 2019 | Warranty Deed, Transfer CENTERSTATE BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2003 · Amount on File |
| Deed Sale | May 8, 2003 · Amount on File |
| Deed Book / Page | 1708 / 1547 |
| Last Transfer Date | Aug 29, 2016 |
| Transfer Doc | 0039232732 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LUCIE FL |
| Property Address | 8785 MOCO LN, FORT PIERCE, FL 34945-3481 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2021 |
| Name | Verified Name |
|---|---|
| Address | 8785 MOCO LN, FORT PIERCE, FL 34945-3481 |
| Document Number | 0046450591 |
|---|---|
| Date | Jul 8, 2021 |
| Book Page | 4645/591 |
| Instrument | 4891525 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Aug 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST LUCIE FL |
| Property Address | 8785 MOCO LN, FORT PIERCE, FL 34945-3481 |
| Document Number | 0044562035 |
| Instrument Date | Jul 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8785 MOCO LN FORT PIERCE FL 34945, FORT PIERCE, FL 34945 |
| Document Number | 0044562035 |
|---|---|
| Date | Aug 5, 2020 |
| Book Page | 004456/002035 |
| Instrument | 4738123 |
| Name | GOLDWATER BK NA |
|---|---|
| Type | Bank |
| Address | ALBUQUERQUE, NM 87125 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 4, 2050 |
| Rate | 3.25% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LUCIE FL |
| Property Address | 8785 MOCO LN, FORT PIERCE, FL 34945-3481 |
| Document Number | 0043080229 |
| Instrument Date | Aug 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2020 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 215 CORINNE RD FORT PIERCE FL 349453493, FORT PIERCE, FL 34945-3493 |
| Document Number | 0043080229 |
|---|---|
| Date | Aug 13, 2019 |
| Book Page | 004308/000229 |
| Instrument | 4605076 |
| Name | GOLDWATER BK NA |
|---|---|
| Type | Bank |
| Address | PHOENIX, AZ 85016 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 12, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LUCIE FL |
| Recording Date | Apr 16, 2019 |
| Property Address | 8785 MOCO LN, FORT PIERCE, FL 34945-3481 |
| Document Number | 0042570555 |
| Book / Page | 004257 / 000555 |
| Instrument Date | Apr 15, 2019 |
| Instrument | 4555069 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2019 |
| Title Company | FIRST INT'L TITLE-PORT STATE LUCI, FIRST INT'L TITLE-PORT ST LUCI |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $266.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 215 CORINNE RD FORT PIERCE FL 349453493, FORT PIERCE, FL 34945-3493 |
| Document Number | 42570557 |
|---|---|
| Date | Apr 16, 2019 |
| Book Page | 004257/000557 |
| Instrument | 4555070 |
| Name | CENTERSTATE BK NA |
|---|---|
| Type | Bank |
| Address | FT PIERCE, FL 34947 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Apr 15, 2029 |
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 | $272,219 | $555,400 Land $199,400 Building $356,000 | |
| 2024 | $4,669.00 (+2.1%) | ||
| 2023 | $4,573.00 (+4.96%) Additional exemption filed | $543,000 (+117.75%) Land $189,800 Building $353,200 | $543,000 (+45.11%) Land $189,800 Building $353,200 |
| 2022 | $4,357.00 Homeowner's exemption | $249,363 | $374,200 Land $125,000 Building $249,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8785 Moco Ln in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1999.
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 23 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 23 in force |
| Nearby Flood Claims | 22 (1999–2017) |
| Claims Outside the SFHA | 22 of 22 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
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 8785 Moco Ln is moderate, ranking above 46% 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 Risk | Moderate above 46% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | None beyond ember reach |
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 37 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures