1920 W Shell Ln, Vero Beach, FL 32963 Property Records

Indian River County property record for 1920 W Shell Ln, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,261 sqft · built 1961
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Feb 2017)
Tax Bill	$4,267 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Nov 2017 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`31-39-23-00004-0010-00041.0`

Property Details

APN / Parcel Number

Primary APN	`31-39-23-00004-0010-00041.0`
Alternative APN	`36972`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,261 sqft Living Area
1st Floor Area	1,261 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1996
Architectural Style	Custom Design
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	120 ft deep x 85 ft wide
View / Lot	Interior

Exterior Amenities

Porch	Open Porch
Porch Area	100 sqft
Deck Area	530 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1920 W SHELL LN
City	VERO BEACH
State	FL
Zip	32963-4551
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	SUMMERPLACE UNIT 1 BLK 1 LOT 41 PBI 6-56
Legal Range	39E
Legal Township	31S
Legal Section	23
Legal Subdivision	SUMMERPLACE UNIT 1
Legal Block	1
Legal Lot Number	41
Legal Unit	1
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1015
Census Tract	50506

Owner

Source: Indian River County records, as of December 8, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	1920 W SHELL LN, VERO BEACH, FL 32963-4551
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Nov 6, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 20, 2017	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2017 · Amount on Record
Deed Sale	Feb 20, 2017 · Amount on Record
Prior Sale	May 21, 2014 · Amount on Record
Deed Document Number	20179251
Deed Book / Page	3002 / 1968
Last Transfer Date	Oct 25, 2017
Transfer Doc	0030680167
Record Updated	Jun 8, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	1920 W SHELL LN, VERO BEACH, FL 32963-4551
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OCEANSIDE TITLE & ESCROW INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030601017
Date	Oct 4, 2017
Book Page	3060/1017
Instrument	3120170057113

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Mar 1, 2047

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Nov 6, 2017
Property Address	1920 W SHELL LN, VERO BEACH, FL 32963-4551
Document Number	0030680167
Book / Page	003068 / 000167
Instrument Date	Oct 25, 2017
Instrument	63536
Transaction Type	Transfer
Record Updated	Jul 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1920 W SHELL LN VERO BEACH FL 329634551, VERO BEACH, FL 32963-4551

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Feb 20, 2017
Property Address	1920 W SHELL LN, VERO BEACH, FL 32963-4551
Document Number	0030021968
Book / Page	3002 / 1968
Map Reference	MB6 PG56
Instrument Date	Jan 25, 2017
Instrument	3120170009251
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	OCEANSIDE TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,870.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	900 LEXINGTON ESTATES DR, 900, GODFREY, IL 62035-4173

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1920 W SHELL LN, VERO BEACH, FL 32963-4551

Mortgage

Document Number	30021970
Date	Feb 20, 2017
Instrument	3002/1970

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

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	$4,267.00 (+13.39%) Homeowner's exemption	$314,733 (+5.99%)	$507,327 (+14.94%) Land $339,575 Building $167,752
2023	$3,763.00 (+2.87%)	$296,954 (+3%)	$441,380 (+35.94%) Land $271,660 Building $169,720
2022	$3,658.00	$288,304	$324,696 Land $183,371 Building $141,325

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
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 298 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	298 in force
Nearby Flood Claims	2 (2004–2024)
Claims Outside the SFHA	1 of 2
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	0.01% 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	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 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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