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10185 Saint Augustine Ave, Vero Beach, FL 32963 Property Records

Indian River County property record for 10185 Saint Augustine Ave, Vero Beach, FL 32963

Property Summary

Property TypeResidential Vacant Land
Lot Size0.31 acres (13,504 sqft)
OwnerIndividual Name on Record
Last Sale$790,000 (Jan 2021)
Tax Bill$15,660 (2025)
Deeds & MortgagesJul 2022 Construction Loan
Jan 2021 Loan Modification
+ 5 more
Flood ZoneZone X (moderate risk)
APN31-39-14-00006-0610-00001.0

Property Details

APN / Parcel Number

Primary APN31-39-14-00006-0610-00001.0
Alternative APN
  • 32514

Exterior

Lot Area13,504 sqft (0.31 acres)
Lot Dimensions159 ft deep x 85 ft wide
View / LotGolf Course

Location & Zoning

Street Address10185 SAINT AUGUSTINE AVE
CityVERO BEACH
StateFL
Zip32963-4927
Property CategoryResidential
Property TypeVacant Land > Residential
Local Zoning CodeRS-3
Legal DescriptionWINDSOR PLAT 23 PD PBI 16-59 LOT 1 BLK 61 ALSO INC THE S 25.00 FT OF LOT 2 LESS W 15 FT THEREOF
Legal Range39E
Legal Township31S
Legal Section14
Legal SubdivisionWINDSOR PLAT 23 PD
Legal Block61
Legal Lot Number1,2
JurisdictionINDIAN RIVER FL
Township / Civil DivisionVERO BEACH
Census Block Group3
Census Block3017
Census Tract50506

Owner

Source: Indian River County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing AddressPO BOX 3277, PASO ROBLES, CA 93447-3277
Owner TypeIndividual
VestingBorrower in Default

Deeds, Mortgages & Sale History

DateDocument
Jul 5, 2022Deed of Trust, Mortgage · Construction Mortgage
MARINE BANK & TRUST COMPANY
Jan 7, 2021Loan Modification, Transfer
BALDWIN JUSTIN C TRUST
Mar 29, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY
Mar 3, 2019Loan Modification, Mortgage
WINDSOR PROPERTIES
Dec 26, 2018Grant Deed, Transfer
ATTORNEY ONLY
Mar 9, 2017Warranty Deed, Transfer
ATTORNEY ONLY
Feb 16, 2017Loan Modification, Mortgage

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 21, 2021 · Amount on Record
Deed SaleJan 21, 2021 · Amount on Record
Prior SaleMar 9, 2017 · Amount on Record
Deed Document Number20214134
Deed Book / Page3379 / 1502
Prior Transfer DateDec 24, 2018
Prior Transfer Doc0031722253
Record UpdatedJun 8, 2026

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionINDIAN RIVER FL
Property Address10185 SAINT AUGUSTINE AVE, VERO BEACH, FL 32963-4927
Transaction TypeMortgage
Record UpdatedJul 18, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1865 PALISADES TERRACE DR, LAKE OSWEGO, OR 97034-4625

Mortgage

Document Number0035531848
DateJul 5, 2022
Book Page3553/1848
Instrument3120220042148
Lender
NameMARINE BANK & TRUST COMPANY
TypeBank
AddressVERO BEACH, FL 32963
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term378 Months
DueJan 1, 2054
Interest
Rate TypeAdjustable Rate
Rate4%
Type Change DateJan 1, 2034
Change FrequencyAnnually
Min Rate At Change3.75%
Max Rate At Change6%
IndexOther
Margin3
Max Rate9%

January 2021: Loan Modification, Transfer

Document TypeLoan Modification
JurisdictionINDIAN RIVER FL
Property Address10185 SAINT AUGUSTINE AVE, VERO BEACH, FL 32963-4927
Document Number0033791505
Instrument DateJan 7, 2021
Transaction TypeTransfer
Record UpdatedFeb 4, 2021
Title CompanyNOT AVAILABLE

Transaction

Additional
  • Arm's Length

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany

Mortgage

Document Number0033791505
DateJan 21, 2021
Book Page003379/001505
Instrument4135
Lender
NameBALDWIN JUSTIN C TRUST
Agreement
Term12 Months
DueJan 20, 2022

March 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionINDIAN RIVER FL
Recording DateMar 29, 2019
Property Address10185 SAINT AUGUSTINE AVE, VERO BEACH, FL 32963-4927
Document Number0031942176
Book / Page003194 / 002176
Instrument DateMar 20, 2019
Instrument18436
Transaction TypeTransfer
Record UpdatedApr 8, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3125 WINDSOR BLVD VERO BEACH FL 329639430, VERO BEACH, FL 32963-9430

March 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionINDIAN RIVER FL
Property Address10185 SAINT AUGUSTINE AVE, VERO BEACH, FL 32963-4927
Document Number0031940289
Instrument DateMar 3, 2019
Transaction TypeMortgage
Record UpdatedApr 8, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address10185 SAINT AUGUSTINE AVE VERO BEACH FL 329634927, VERO BEACH, FL 32963-4927

Mortgage

Document Number0031940289
DateMar 26, 2019
Book Page003194/000289
Instrument17768
Lender
NameWINDSOR PROPERTIES
Agreement
Term12 Months
DueMar 25, 2020

December 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionINDIAN RIVER FL
Recording DateDec 26, 2018
Property Address10185 SAINT AUGUSTINE AVE, VERO BEACH, FL 32963-4927
Document Number0031722253
Book / Page003172 / 002253
Instrument DateDec 24, 2018
Instrument76987
Transaction TypeTransfer
Record UpdatedJan 7, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address10145 SAINT AUGUSTINE AVE VERO BEACH FL 329634927, VERO BEACH, FL 32963-4927

March 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionINDIAN RIVER FL
Recording DateMar 9, 2017
Property Address10185 SAINT AUGUSTINE AVE, VERO BEACH, FL 32963-4927
Document Number0030061798
Book / Page003006 / 001798
Instrument DateMar 8, 2017
Instrument12692
Transaction TypeTransfer
Record UpdatedJun 16, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$5,250.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address10145 SAINT AUGUSTINE AVE VERO BEACH FL 329634927, VERO BEACH, FL 32963-4927

February 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionINDIAN RIVER FL
Property Address10185 SAINT AUGUSTINE AVE, VERO BEACH, FL 32963-4927
Document Number0030061801
Book / Page003006 / 001801
Instrument DateFeb 16, 2017
Transaction TypeMortgage
Record UpdatedJul 20, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany

Tax Assessment & Valuation

Source: Indian River County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyIndian River County
Unified School DistrictIndian River County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$15,660.00 (+28.76%)$1,402,500 (+32%) Land $1,402,500$1,402,500 (+32%) Land $1,402,500
2023$12,162.00 (+30.91%)$1,062,500 (+61.29%) Land $1,062,500$1,062,500 (+61.29%) Land $1,062,500
2022$9,290.00$658,750 Land $658,750$658,750 Land $658,750

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
CoastalYes
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 329 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies434 units insured
incl. 105 condo units
Nearby Flood Claims8 (2004–2024)
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Matthew, Oct 2016 · 2 claims
  • Hurricane Frances, Sep 2004 · 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

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.04% 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 SystemINDIAN RIVER COUNTY UTILITIES (2 WTPS)
serves 126,893 people · EPA ID FL3314052
Water SourceGroundwater
Last State InspectionJun 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting14
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 75 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Hotwire Communications
Fiber		5,000 / 5,000
Xfinity
Cable		1,200 / 35

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