171 Terrapin Pt, Vero Beach, FL 32963 Property Records

Indian River County property record for 171 Terrapin Pt, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	4 bd · 6 ba · 8,350 sqft · built 2002
Lot Size	1.44 acres (62,726 sqft)
Owner	2 Company Names on Record
Last Sale	$11,500,000 (Dec 2023)
Tax Bill	$114,418 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-39-12-00011-0000-00017.0`

Property Details

APN / Parcel Number

Primary APN	`32-39-12-00011-0000-00017.0`
Alternative APN	`44273`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Plumbing Fixtures	20 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	8,350 sqft Living Area
1st Floor Area	5,897 sqft
2nd Floor Area	2,454 sqft
Interior Walls	Wallboard/Drywall
Fireplace	2 Story

Exterior

Year Built	Built 2002
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Clay Tile
Lot Area	62,726 sqft (1.44 acres)
Lot Dimensions	365 ft deep x 172 ft wide
Garage Area	905 sqft
Driveway	Driveway
Driveway Area	6,003 sqft

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	2,497 sqft
Deck Area	272 sqft
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	44273
Street Address	171 TERRAPIN PT
City	VERO BEACH
State	FL
Zip	32963-4407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	GEM ISLAND SUBDIVISION BEING PLAT 52 JOHN'S ISLAND PBI 12-92 & REPLAT PBI 13-20 LOT 17
Legal Range	39
Legal Township	32
Legal Section	12
Legal Subdivision	GEM ISLAND SUBDIVISION
Legal Lot Number	17
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1018
Census Tract	50507

Owner

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

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

Owner of Record	2 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	171 TERRAPIN PT, INDIAN RIVER SHORES, FL 32963-4407
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2023 · Amount on Record
Deed Sale	Dec 8, 2023 · Amount on Record
Prior Sale	Apr 24, 1998 · Amount on Record
Deed Document Number	0003666971
Deed Book / Page	3286 / 1711
Prior Transfer Date	Mar 18, 2020
Prior Transfer Doc	3120200016715
Record Updated	Jun 8, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Mar 18, 2020
Property Address	171 TERRAPIN PT, INDIAN RIVER SHORES, FL 32963-4407
Document Number	0032861711
Book / Page	3286 / 1711
Map Reference	MB 30 PG 20,20A&20B
Instrument Date	Mar 17, 2020
Instrument	3120200016715
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$39,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 OCEAN RDE #3B3B, 200, INDIAN RIVER SHORES, FL 32963

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	171 TERRAPIN PT, INDIAN RIVER SHORES, FL 32963-4407

Mortgage

Document Number	32861714
Date	Mar 18, 2020
Instrument	3286/1714

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.21%
Type Change Date	Apr 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.21%
Index	1-Year LIBOR
Max Rate	9.21%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$114,418.00 (+78.44%)	$9,682,095 (+76.66%)	$10,457,133 (+22.76%) Land $7,036,735 Building $3,420,398
2023	$64,120.00 (+2.11%)	$5,480,485 (+3%)	$8,518,312 (+32.29%) Land $5,130,953 Building $3,387,359
2022	$62,797.00	$5,320,859	$6,439,251 Land $3,811,565 Building $2,627,686

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 816 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,394 units insured incl. 578 condo units
Nearby Flood Claims	2 (2022–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton

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 Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 33 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
T-Mobile Fixed Wireless	100 / 20