109 Sandpointe Dr, Vero Beach, FL 32963 Property Records

Indian River County property record for 109 Sandpointe Dr, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,775 sqft · built 2011
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$2,295,000 (Jan 2020)
Tax Bill	$33,125 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Jan 2020 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`33-40-16-00020-0000-00021.0`

Property Details

APN / Parcel Number

Primary APN	`33-40-16-00020-0000-00021.0`
Alternative APN	`96186`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	1 Story
Building Area	4,775 sqft Living Area
1st Floor Area	3,387 sqft
2nd Floor Area	1,388 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Slate
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	175 ft deep x 100 ft wide
Garage Area	726 sqft
Driveway	Driveway
Driveway Area	1,056 sqft

Exterior Amenities

Pool Area	476 sqft
Porch	Open Porch
Porch Area	793 sqft
Deck Area	444 sqft
Patio Area	1,375 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	96186
Street Address	109 SANDPOINTE DR
City	VERO BEACH
State	FL
Zip	32963-2660
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	SANDPOINTE WEST SUB LOT 21 PBI 13-31
Legal Range	40
Legal Township	33
Legal Section	16
Legal Subdivision	SANDPOINTE WEST SUB
Legal Lot Number	21
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1011
Census Tract	50508

Owner

109 Sandpointe Dr is owned and occupied by an individual who bought it in January 2020.

Source: Indian River County records, as of March 5, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	109 SANDPOINTE DR, VERO BEACH, FL 32963-2660
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Deed of Trust, Mortgage · Line of Credit MARINE BANK & TRUST COMPANY
Jan 24, 2020	Warranty Deed, Transfer · Conventional Mortgage MARINE BANK & TRUST CO
Dec 14, 2017	Loan Modification, Mortgage · Conventional Mortgage NORTHERN TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2020 · Amount on File
Deed Sale	Jan 24, 2020 · Amount on File
Prior Sale	Mar 15, 2010 · Amount on File
Deed Document Number	0032711707
Deed Book / Page	3271 / 1707
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	109 SANDPOINTE DR, VERO BEACH, FL 32963-2660
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 SANDPOINTE DR, VERO BEACH, FL 32963-2660

Mortgage

Document Number	0038180472
Date	Nov 13, 2025
Book Page	3818/472
Instrument	3120250056146

Lender

Name	MARINE BANK & TRUST COMPANY
Type	Bank
Address	VERO BEACH, FL 32963

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jan 24, 2020
Property Address	109 SANDPOINTE DR, VERO BEACH, FL 32963-2660
Document Number	0032711707
Book / Page	3271 / 1707
Map Reference	MB 13 PG 31
Instrument Date	Jan 24, 2020
Instrument	3120200004721
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$16,065.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 SANDPOINTE DR, 109, VERO BEACH, FL 32963-2660

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 SANDPOINTE DR, VERO BEACH, FL 32963-2660

Mortgage

Document Number	0032711709
Date	Jan 24, 2020
Instrument	3271/1709

Lender

Name	MARINE BANK & TRUST CO
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Feb 1, 2030
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Margin	3
Max Rate	8.87%

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	INDIAN RIVER FL
Property Address	109 SANDPOINTE DR, VERO BEACH, FL 32963-2660
Document Number	0030792079
Book / Page	003079 / 002079
Instrument Date	Dec 14, 2017
Transaction Type	Mortgage
Record Updated	Jan 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 SANDPOINTE DR VERO BEACH FL 329632660, VERO BEACH, FL 32963-2660

Mortgage

Document Number	0030792079
Date	Dec 20, 2017
Book Page	003079/002079
Instrument	73626

Lender

Name	NORTHERN TR
Address	CHICAGO, IL 60603

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 19, 2018

Tax Assessment & Valuation

The 2025 property tax bill for 109 Sandpointe Dr was $33,125.

Source: Indian River County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Indian River County
Unified School District	Indian River County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$33,125.00	$2,371,729	$4,012,118 Land $1,448,654 Building $2,563,464
2023	$30,755.00 (+2.28%)	$2,237,755 (+3%)	$3,254,152 (+26.57%) Land $885,289 Building $2,368,863
2022	$30,069.00	$2,172,578	$2,571,097 Land $885,289 Building $1,685,808

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

Flood

FEMA maps place 109 Sandpointe Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	4.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 310 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	406 units insured incl. 96 condo units
Nearby Flood Claims	3 (2004–2022)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2022 · Hurricane Ian

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

Wildfire risk around 109 Sandpointe Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	CITY OF VERO BEACH serves 37,308 people · EPA ID FL3310206
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	5 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	29 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 189 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
AT&T Fixed Wireless · DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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