1643 Willows Sq, Vero Beach, FL 32966 Property Records

Indian River County property record for 1643 Willows Sq, Vero Beach, FL 32966

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,788 sqft · built 2019
Lot Size	0.089 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$276,100 (Oct 2019)
Tax Bill	$3,675 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33-39-06-00015-0000-00016.0`

Property Details

APN / Parcel Number

Primary APN	`33-39-06-00015-0000-00016.0`
Alternative APN	`134516`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Building Area	1,788 sqft Living Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	3,920 sqft (0.089 acres)
Lot Dimensions	95 ft deep x 40 ft wide
Garage Area	420 sqft
Driveway	Driveway
Driveway Area	442 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	134516
Street Address	1643 WILLOWS SQ
City	VERO BEACH
State	FL
Zip	32966-4611
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-8
Legal Description	THE WILLOWS PHASE 2 LOT 16 PBI 30-32
Legal Section	06
Legal Subdivision	THE WILLOWS PHASE 2
Legal Phase	2
Legal Lot Number	16
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	2
Census Block	2003
Census Tract	50704

Owner

1643 Willows Sq is owned and occupied by an individual who bought it in October 2019.

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	1643 WILLOWS SQ, VERO BEACH, FL 32966-4611
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	2 Names on Deed
Last Sale	Oct 18, 2019 · Amount on File
Deed Sale	Oct 18, 2019 · Amount on File
Prior Sale	Apr 17, 2019 · Amount on File
Deed Document Number	3120190061162
Deed Book / Page	3247 / 0583
Record Updated	Jun 8, 2026

October 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Oct 18, 2019
Property Address	1643 WILLOWS SQ, VERO BEACH, FL 32966-4611
Document Number	0032470583
Book / Page	3247 / 0583
Map Reference	MB 30 PG 32-35
Instrument Date	Oct 17, 2019
Instrument	3120190061162
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,932.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1450 CENTREPARK BLVD STE 340, 1450, WEST PALM BEACH, FL 33401-7443

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1643 WILLOWS SQUARE, VERO BEACH, FL 32966-4611

Mortgage

Document Number	0032470585
Date	Oct 18, 2019
Instrument	3247-0585

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1643 Willows Sq was $3,675.

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	$3,675.00	$272,780	$329,921 Land $46,750 Building $283,171
2023	$3,207.00 (+2.72%)	$257,371 (+3%)	$332,839 (+13.26%) Land $46,750 Building $286,089
2022	$3,122.00	$249,874	$293,877 Land $46,750 Building $247,127

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

Flood

FEMA maps place 1643 Willows Sq in Zone X, an area of minimal flood risk, though there have been 34 flood claims nearby since 1983.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 21 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	34 (1983–2024)
Claims Outside the SFHA	6 of 34
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Tropical Storm Fay, Aug 2008 · 3 claims Hurricane Frances, Sep 2004 · 20 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

Wildfire risk around 1643 Willows Sq is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.04% 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 206 locations within half a mile, as of December 31, 2025

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