Indian River County property record for 1015 Ruby Ave SW, Vero Beach, FL 32968 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2005 |
| Square Footage | 2,665 sqft Living Area |
| Lot Size | 13,068 sqft (0.3 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $277,500 (2017) |
| Tax Bill | $4,525.00 (2025) |
| Primary APN | 33-39-28-00007-0000-00015.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Building Area | 2,665 sqft Living Area |
| Gross Area | 3,255 sqft Gross Area |
| 1st Floor | 2,665 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Ceramic Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Custom Design Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Hip Roof Construction |
| Roof Material | Tile Roof |
| Lot Area | 13,068 sqft (0.3 acres) |
| Depth X Width | 163 ft x 80.1 ft Depth x Width |
| Driveway | Driveway Brick |
| Driveway Area | 576 sqft Driveway |
| Garage Type | Attached Garage |
| Garage Area | 590 sqft Garage |
| Pool Area | 1 sqft Pool |
|---|---|
| Patio Area | 1,194 sqft Patio |
| Porch | Open Porch |
| Porch Area | 286 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 1015 RUBY AVE SW |
|---|---|
| City | VERO BEACH |
| State | FL |
| Zip | 32968-5862 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | DIAMOND LAKE SUB PHASE ONE LOT 15 PBI 17-95 |
| Legal Range | 39E |
| Legal Township | 33S |
| Legal Section | 28 |
| Legal Subdivision | DIAMOND LAKE SUBDIVISION PHASE ONE |
| Legal Phase | 1 |
| Legal Lot Number | 15 |
| Jurisdiction | INDIAN RIVER FL |
| Minor Civil Division | VERO BEACH |
| Census Blockgroup | 1 |
| Census Block | 1038 |
| Census Tract | 50707 |
Source: Indian River County records · APN 33-39-28-00007-0000-00015.0
Assessment roll updated December 8, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1015 RUBY AVE SW, VERO BEACH, FL 32968-5862 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 17, 2022 | Deed of Trust, Mortgage · Stand Alone Second Mortgage DIGITAL FCU |
| Mar 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CENTERSTATE BANK NA |
| Jan 30, 2018 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| May 11, 2017 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage CALIBER HM LOANS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 11, 2017 · Amount on Record |
| Deed Sale | May 11, 2017 · Amount on Record |
| Prior Sale | Oct 06, 2010 · Amount on Record |
| Deed Doc Number | 201727058 |
| Deed Book / Page | 3024 / 472 |
| Prior Transfer Date | May 18, 2015 |
| Prior Transfer Doc | 0028480039 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 1015 RUBY AVE SW, VERO BEACH, FL 32968-5862 |
| Transaction Type | Mortgage |
| Record Updated | Dec 02, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1015 RUBY AVE SW, VERO BEACH, FL 32968-5862 |
| Document Number | 0035832163 |
|---|---|
| Date | Nov 17, 2022 |
| Book Page | 3583/2163 |
| Instrument | 3120220067191 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Address | MARLBOROUGH, MA 01752 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 01, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 1015 RUBY AVE SW, VERO BEACH, FL 32968-5862 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0032840566 |
|---|---|
| Date | Mar 10, 2020 |
| Book Page | 3284/566 |
| Instrument | 3120200014846 |
| Name | CENTERSTATE BANK NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33881 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 1015 RUBY AVE SW, VERO BEACH, FL 32968-5862 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030881207 |
|---|---|
| Date | Jan 30, 2018 |
| Book Page | 3088/1207 |
| Instrument | 3120180005350 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 05, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | May 11, 2017 |
| Property Address | 1015 RUBY AVE SW, VERO BEACH, FL 32968-5862 |
| Document Number | 0030240472 |
| Book / Page | 003024 / 000472 |
| Instrument Date | Apr 27, 2017 |
| Instrument | 27058 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,942.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 1015 RUBY AVE SW VERO BEACH FL 329685862, VERO BEACH, FL 32968-5862 |
| Document Number | 30240474 |
|---|---|
| Date | May 11, 2017 |
| Book Page | 003024/000474 |
| Instrument | 27059 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 10, 2047 |
Source: Indian River County records · Assessment roll updated December 8, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Unified School District | Indian River County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,525.00 (+13.07%) Homeowner's exemption | $333,291 (+5.99%) | $475,562 (-0.99%) Land $46,750 Building $428,812 |
| 2023 | $4,002.00 (+2.64%) | $314,464 (+3%) | $480,300 (+15.4%) Land $46,750 Building $433,550 |
| 2022 | $3,899.00 | $305,305 | $416,218 Land $46,750 Building $369,468 |
Source: FEMA National Flood Hazard Layer, Indian River County (12061C), updated May 13, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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