146 45th Ave, Vero Beach, FL 32968 Property Records

Indian River County property record for 146 45th Ave, Vero Beach, FL 32968

Property Summary

Property Type	Single Family Home
Details	1,066 sqft · built 1985
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$166,500 (Nov 2020)
Tax Bill	$1,825 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`33-39-16-00003-0004-00013.0`

Property Details

APN / Parcel Number

Primary APN	`33-39-16-00003-0004-00013.0`
Alternative APN	`80665`

Interior

Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,066 sqft Living Area
1st Floor Area	1,066 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Exterior Material	Fiber Cement Siding
Construction Type	Wood Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gambrel
Roof Material	Shingle
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Area	264 sqft
Porch	Finished/Screened Porch
Porch Area	220 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	80665
Street Address	146 45TH AVE
City	VERO BEACH
State	FL
Zip	32968-2351
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	STEVENS PARK UNIT NO 2 BLK D LOT 13 & N 1/2 OF LOT 16 PBI 4-54
Legal Range	39
Legal Township	33
Legal Section	16
Legal Subdivision	STEVENS PARK UNIT NO 2
Legal Block	D
Legal Lot Number	13,16
Legal Unit	2
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1004
Census Tract	50706

Owner

146 45th Ave is owned and occupied by an individual who bought it in November 2020.

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

Owner of Record	Individual Name on File
Mailing Address	146 45TH AVE, VERO BEACH, FL 32968-2351
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 25, 2020 · Amount on File
Deed Sale	Nov 25, 2020 · Amount on File
Prior Sale	Aug 8, 2007 · Amount on File
Deed Document Number	3120200071537
Deed Book / Page	3360 / 2293
Record Updated	Jun 8, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Nov 25, 2020
Property Address	146 45TH AVE, VERO BEACH, FL 32968-2351
Document Number	0033602294
Book / Page	003360 / 002294
Instrument Date	Nov 19, 2020
Instrument	71537
Transaction Type	Transfer
Record Updated	Dec 28, 2020
Title Company	RIOMAR TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,165.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	146 45TH AVE VERO BEACH FL 329682351, VERO BEACH, FL 32968-2351

Mortgage

Document Number	33602295
Date	Nov 25, 2020
Book Page	003360/002295
Instrument	71538

Lender

Name	EMM LNS LLC
Address	CHERRY HILL, NJ 08002

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 24, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 146 45th Ave was $1,825.

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	$1,825.00	$141,068	$190,894 Land $24,655 Building $166,239
2023	$1,477.00 (+3.36%)	$133,100 (+3%)	$189,213 (+15.61%) Land $24,655 Building $164,558
2022	$1,429.00	$129,223	$163,658 Land $24,655 Building $139,003

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

Flood

FEMA maps place 146 45th Ave 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	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 437 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	437 in force
Nearby Flood Claims	4 (2004–2025)
Most Recent Claim	Feb 2025

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 146 45th Ave is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct 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 System	INDIAN RIVER COUNTY UTILITIES (2 WTPS) serves 126,893 people · EPA ID FL3314052
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	14 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 291 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20