185 Springline Dr, Vero Beach, FL 32963 Property Records

Indian River County property record for 185 Springline Dr, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 3,798 sqft · built 1988
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$2,900,000 (Mar 2026)
Tax Bill	$32,519 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Mar 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-40-21-00008-0000-00085.0`

Property Details

APN / Parcel Number

Primary APN	`33-40-21-00008-0000-00085.0`
Alternative APN	`98970`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,798 sqft Living Area
Gross Area	4,374 sqft
1st Floor Area	3,798 sqft
Utility Area	36 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Concrete
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	148 ft deep x 103 ft wide
View / Lot	Canal/Waterfront
Garage Type	Attached
Garage Area	576 sqft
Driveway	Concrete Driveway
Driveway Area	1,760 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Slab
Porch Area	88 sqft
Deck Area	300 sqft
Patio Area	1,368 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	185 SPRINGLINE DR
City	VERO BEACH
State	FL
Zip	32963-2940
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	MOORINGS UNIT 5 THE ANCHOR LOT 85 PBI 9-98 TO 98D
Legal Range	40E
Legal Township	33S
Legal Section	21
Legal Subdivision	THE MOORINGS UNIT 5 THE ANCHOR
Legal Lot Number	85
Legal Unit	5
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	2
Census Block	2002
Census Tract	50509

Owner

185 Springline Dr is owned and occupied by two individuals who bought it in March 2026.

Source: Indian River County records, as of August 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	185 SPRINGLINE DR, VERO BEACH, FL 32963-2940
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Mar 12, 2021	Deed of Trust, Mortgage · Line of Credit MARINE BANK & TRUST COMPANY
Mar 12, 2026	Deed, Transfer · Conventional Mortgage BNY MELLON NA
Aug 11, 2017	Warranty Deed, Transfer · ARM MARINE BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2026 · Amount on File
Deed Sale	Mar 12, 2026 · Amount on File
Prior Sale	Dec 26, 2024 · Amount on File
Deed Document Number	202611464
Deed Book / Page	3844 / 777
Prior Transfer Date	Dec 20, 2024
Prior Transfer Doc	0037450291
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	185 SPRINGLINE DR, VERO BEACH, FL 32963-2940
Transaction Type	Mortgage
Record Updated	Mar 25, 2026
Title Company	OCEANSIDE TITLE INC, OCEANSIDE T&E INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 SPRINGLINE DR, VERO BEACH, FL 32963-2940

Mortgage

Document Number	0033980147
Date	Mar 12, 2021
Book Page	3398/147
Instrument	3120210017307

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

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Mar 12, 2026
Property Address	185 SPRINGLINE DR, VERO BEACH, FL 32963-2940
Document Number	0038440777
Book / Page	3844 / 777
Map Reference	MB 9 PG 98
Instrument Date	Mar 11, 2026
Instrument	3120260011464
Transaction Type	Transfer
Record Updated	Mar 25, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	144 ANCHOR DR, VERO BEACH, FL 32963-2941

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 SPRINGLINE DR, VERO BEACH, FL 32963-2940

Mortgage

Document Number	0003844780
Date	Mar 12, 2026
Instrument	3844/780

Lender

Name	BNY MELLON NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Aug 11, 2017
Property Address	185 SPRINGLINE DR, VERO BEACH, FL 32963-2940
Document Number	0030480515
Book / Page	3048 / 0515
Map Reference	MB9 PG98
Instrument Date	Aug 11, 2017
Instrument	3120170047103
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,105.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4825 SAINT JAMES AVE, 4825, VERO BEACH, FL 32967-7355

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 SPRINGLINE DR, VERO BEACH, FL 32963-2940

Mortgage

Document Number	30480518
Date	Aug 11, 2017
Instrument	3048/0518

Lender

Name	MARINE BANK & TRUST CO
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.62%
Index	1-Year LIBOR
Margin	3
Max Rate	9.62%

Tax Assessment & Valuation

The 2025 property tax bill for 185 Springline Dr was $32,519.

Source: Indian River County assessment roll, as of December 8, 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	$32,519.00	$2,287,805 Land $1,615,000 Building $672,805	$2,287,805 Land $1,615,000 Building $672,805
2023	$12,829.00 (+2.35%)	$949,452 (+3%)	$1,759,774 (+9.46%) Land $1,190,000 Building $569,774
2022	$12,534.00	$921,798	$1,607,708 Land $1,147,500 Building $460,208

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

FEMA maps place 185 Springline Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 296 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	577 units insured incl. 281 condo units
Nearby Flood Claims	9 (2005–2025)
Claims Outside the SFHA	7 of 9
Most Recent Claim	Mar 2025 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims Hurricane Nicole, Nov 2022 · 2 claims Hurricane Irma, Sep 2017 · 2 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

The area around 185 Springline Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 142 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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