Indian River County property record for 1945 45th Ave, Vero Beach, FL 32966
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 768 sqft · built 1954 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $139,900 (Jun 2020) |
| Tax Bill | $1,443 (2025) |
| Deeds & Mortgages | Jun 2020 Sale & Mortgage Apr 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-39-04-00011-0060-00008.0 |
| Primary APN | 33-39-04-00011-0060-00008.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 768 sqft Living Area |
| 1st Floor Area | 768 sqft |
| Utility Area | 105 sqft |
| Utility Room | Utility Room |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1954 |
|---|---|
| Exterior Material | Aluminum Siding |
| Construction Type | Wood Frame |
| Foundation Type | Retaining Wall |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 116 ft deep x 75 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 226 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 69294 |
|---|---|
| Street Address | 1945 45TH AVE |
| City | VERO BEACH |
| State | FL |
| Zip | 32966-2206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-3 |
| Legal Description | TROPICOLONY SUB PBI 3-48 N 40 FT OF LOT 8 & S 35 FT OF LOT 9 BLK 6 |
| Legal Range | 39 |
| Legal Township | 33 |
| Legal Section | 04 |
| Legal Subdivision | TROPICOLONY SUB |
| Legal Block | 6 |
| Legal Lot Number | 8-9 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 50702 |
Source: Indian River County records · APN 33-39-04-00011-0060-00008.0
Assessment roll updated July 1, 2025 · Last verified March 2026
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 File |
|---|---|
| Mailing Address | 1945 45TH AVE, VERO BEACH, FL 32966-2206 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 09, 2020 | Warranty Deed, Transfer · VA Mortgage NP INC |
| Apr 16, 2020 | Warranty Deed, Construction Loan · Conventional Mortgage PAUL TROY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 09, 2020 · Amount on Record |
| Deed Sale | Jun 09, 2020 · Amount on Record |
| Prior Sale | Apr 16, 2020 · Amount on Record |
| Deed Document Number | 3120200031762 |
| Deed Book / Page | 3308 / 444 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Jun 09, 2020 |
| Property Address | 1945 45TH AVE, VERO BEACH, FL 32966-2206 |
| Document Number | 0033080444 |
| Book / Page | 003308 / 000444 |
| Instrument Date | Jun 05, 2020 |
| Instrument | 31762 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2020 |
| Title Company | TREASURE COAST TITLE SETTLEMEN |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $979.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7300 20TH ST VERO BEACH FL 329668819, VERO BEACH, FL 32966-8819 |
| Document Number | 33080446 |
|---|---|
| Date | Jun 09, 2020 |
| Book Page | 003308/000446 |
| Instrument | 31763 |
| Name | NP INC |
|---|---|
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 08, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Apr 16, 2020 |
| Property Address | 1945 45TH AVE, VERO BEACH, FL 32966-2206 |
| Document Number | 0032930725 |
| Book / Page | 003293 / 000725 |
| Instrument Date | Mar 27, 2020 |
| Instrument | 21498 |
| Transaction Type | Construction Loan |
| Record Updated | May 06, 2020 |
| Title Company | TREASURE COAST TITLE SETTLEMEN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $630.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6880 61ST ST VERO BEACH FL 329674901, VERO BEACH, FL 32967-4901 |
| Document Number | 32930727 |
|---|---|
| Date | Apr 16, 2020 |
| Book Page | 003293/000727 |
| Instrument | 21499 |
| Name | PAUL TROY |
|---|---|
| Address | 1760 46TH AVE, VERO BEACH, FL 32966-2346 |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Apr 15, 2023 |
| Rate | 5% |
|---|
Source: Indian River County records · Assessment roll updated July 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Unified School District | Indian River County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,443.00 (+28.84%) | $113,912 (+5.99%) | $157,336 (+15.11%) Land $53,933 Building $103,403 |
| 2023 | $1,120.00 (+3.7%) | $107,477 (+3%) | $136,688 (+16.25%) Land $37,454 Building $99,234 |
| 2022 | $1,080.00 | $104,347 | $117,577 Land $35,955 Building $81,622 |
Source: FEMA National Flood Hazard Layer as of May 13, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 124 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 124 in force |
| Nearby Flood Claims | 33 (1978–2024) |
| Claims Outside the SFHA | 16 of 33 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T.
Based on FCC filings for 261 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | INDIAN RIVER COUNTY UTILITIES (2 WTPS) serves 126,893 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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