109 Cache Cay Dr, Vero Beach, FL 32963 Property Records

Indian River County property record for 109 Cache Cay Dr, Vero Beach, FL 32963 · Last verified March 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	3 Baths
Year Built	Built 1979
Square Footage	2,095 sqft Living Area
Lot Size	21,780 sqft (0.5 acres)
Occupancy	Owner Occupied
Last Sale	$1,500,000 (2022)
Tax Bill	$22,513.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`32-40-29-00014-0000-00055.0`
Alternative APN	`57441`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Building Area	2,095 sqft Living Area
1st Floor	2,095 sqft 1st Floor
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Exterior Material	Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior
Construction Type	Wood Frame Construction
Foundation Type	Retaining Wall Foundation
Roof Construction	Hip Roof Construction
Roof Material	Metal Roof
Lot Area	21,780 sqft (0.5 acres)
Depth X Width	157 ft x 138 ft Depth x Width
Garage Area	672 sqft Garage

Exterior Amenities

Pool Area	448 sqft Pool
Patio Area	792 sqft Patio
Porch	Open Porch
Porch Area	607 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air Heating

Location & Zoning

Account Number	57441
Street Address	109 CACHE CAY DR
City	VERO BEACH
State	FL
Zip	32963-1213
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	CACHE CAY SUBDIVISION LOT 55 PBI 9-62 & 62A
Legal Range	40
Legal Township	32
Legal Section	29
Legal Subdivision	CACHE CAY SUBDIVISION
Legal Lot Number	55
Jurisdiction	INDIAN RIVER FL
Minor Civil Division	VERO BEACH
Census Blockgroup	2
Census Block	2031
Census Tract	50505

Owner

Source: Indian River County records · APN 32-40-29-00014-0000-00055.0

Assessment roll updated July 1, 2025 · Last verified March 2026

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

Owner of Record	Individual Name on File
Mailing Address	109 CACHE CAY DR, VERO BEACH, FL 32963-1213
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 28, 2022 · Amount on Record
Deed Sale	Dec 28, 2022 · Amount on Record
Prior Sale	Jun 21, 2006
Deed Doc Number	3120220073773
Deed Book / Page	3591 / 1788
Record Refreshed	Jun 08, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Dec 28, 2022
Property Address	109 CACHE CAY DR, VERO BEACH, FL 32963-1213
Document Number	0035911788
Book / Page	3591 / 1788
Map Reference	MB 9 PG 62
Instrument Date	Dec 12, 2022
Instrument	3120220073773
Transaction Type	Transfer
Record Updated	Jan 06, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$10,500.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	849 20TH ST, VERO BEACH, FL 32960-5353

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 W FAIRBANKS AVE # 410, 410, WINTER PARK, FL 32789-4326

Mortgage

Document Number	0035911791
Date	Dec 28, 2022
Instrument	3591/1791

Lender

Name	OCMBC INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2053

Tax Assessment & Valuation

Source: Indian River County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Florida
County	Indian River County
Municipality	Vero Beach City
Unified School District	Indian River County School District (PK - 12)

Tax Bill & Assessment History

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	$22,513.00 (+3.27%)	$1,442,581 (+3.57%) Land $1,076,603 Building $365,978	$1,442,581 (+3.57%) Land $1,076,603 Building $365,978
2023	$21,801.00 (+40.61%)	$1,392,848 (+32.53%) Land $1,076,603 Building $316,245	$1,392,848 (+32.53%) Land $1,076,603 Building $316,245
2022	$15,505.00	$1,051,007 Land $782,984 Building $268,023	$1,051,007 Land $782,984 Building $268,023

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Moderate
500-Year Floodplain	Yes
Special Flood Hazard Area	No
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

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.