178 Ocean Spray Ct, Vero Beach, FL 32963 Property Records

Indian River County property record for 178 Ocean Spray Ct, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 4,287 sqft · built 1991
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$1,400,000 (Jul 2025)
Tax Bill	$15,387 (2025)
Deeds & Mortgages	Feb 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`33-40-21-00013-0000-00010.0`

Property Details

APN / Parcel Number

Primary APN	`33-40-21-00013-0000-00010.0`
Alternative APN	`99143`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	4,287 sqft Living Area
1st Floor Area	2,737 sqft
2nd Floor Area	1,550 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Exterior Material	Fiber Cement Siding
Construction Type	Wood Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Metal
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	144 ft deep x 57 ft wide
Garage Area	546 sqft
Driveway	Driveway
Driveway Area	810 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	591 sqft
Patio Area	715 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	99143
Street Address	178 OCEAN SPRAY CT
City	VERO BEACH
State	FL
Zip	32963-2704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	OCEANRIDGE SUBDIVISION LOT 10 PBI 10-78
Legal Range	40
Legal Township	33
Legal Section	21
Legal Subdivision	OCEANRIDGE SUBDIVISION
Legal Lot Number	10
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1006
Census Tract	50508

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	8714 CYPRESS RESERVE CIR, ORLANDO, FL 32836-5402
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2025 · Amount on Record
Deed Sale	Jul 9, 2025 · Amount on Record
Prior Sale	Dec 10, 2007 · Amount on Record
Deed Document Number	3120250033864
Deed Book / Page	3788 / 2290
Record Updated	Jun 8, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	178 OCEAN SPRAY CT, VERO BEACH, FL 32963-2704
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031820377
Date	Feb 5, 2019
Book Page	3182/0377
Instrument	3120190007298

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 6, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$15,387.00 (+13.73%)	$1,084,619 (+0.59%) Land $345,398 Building $739,221	$1,084,619 (+0.59%) Land $345,398 Building $739,221
2023	$13,529.00 (+14.36%)	$1,078,264 (+22%) Land $394,128 Building $684,136	$1,078,264 (+22%) Land $394,128 Building $684,136
2022	$11,830.00	$883,841 Land $394,128 Building $489,713	$883,841 Land $394,128 Building $489,713

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

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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	Under 0.01% 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	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 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless · DSL	100 / 20