1990 W Shell Ln, Vero Beach, FL 32963 Property Records

Indian River County property record for 1990 W Shell Ln, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,139 sqft · built 1984
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Jun 2018)
Tax Bill	$4,037 (2025)
Deeds & Mortgages	Feb 2021 Transfer Nov 2018 Line of Credit + 4 more
Flood Zone	Zone AE (high risk)
APN	`31-39-23-00004-0010-00034.0`

Property Details

APN / Parcel Number

Primary APN	`31-39-23-00004-0010-00034.0`
Alternative APN	`36965`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,139 sqft Living Area
Gross Area	3,714 sqft
1st Floor Area	1,872 sqft
2nd Floor Area	1,267 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Metal
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	118 ft deep x 74.3 ft wide
View / Lot	Interior
Garage Type	Attached
Garage Area	575 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	30 sqft
Deck Area	556 sqft
Patio Area	161 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1990 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 34 PBI 6-56
Legal Range	39E
Legal Township	31S
Legal Section	23
Legal Subdivision	SUMMERPLACE UNIT 1
Legal Block	1
Legal Lot Number	34
Legal Unit	1
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1015
Census Tract	50506

Owner

1990 W Shell Ln is owned and occupied by two individuals who acquired it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1990 W SHELL LN, VERO BEACH, FL 32963-4551
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

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
Feb 3, 2021	Intrafamily Transfer, Transfer
Nov 24, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jun 29, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Jun 29, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Jun 29, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Jun 29, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2018 · Amount on File
Deed Sale	Jun 29, 2018 · Amount on File
Deed Document Number	201840316
Deed Book / Page	3129 / 959
Last Transfer Date	Jan 28, 2021
Transfer Doc	0033832181
Record Updated	Jun 8, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	INDIAN RIVER FL
Recording Date	Feb 3, 2021
Property Address	1990 W SHELL LN, VERO BEACH, FL 32963-4551
Document Number	0033832181
Book / Page	3383 / 2181
Map Reference	MB 6 PG 56
Instrument Date	Jan 28, 2021
Instrument	3120210007255
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1990 W SHELL LN, VERO BEACH, FL 32963-4551

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	1990 W SHELL LN, VERO BEACH, FL 32963-4551
Document Number	0031670407
Instrument Date	Nov 24, 2018
Transaction Type	Mortgage
Record Updated	Dec 13, 2018
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7417 NW 1ST MNR PLANTATION FL 333172270, PLANTATION, FL 33317-2270

Mortgage

Document Number	0031670407
Date	Dec 3, 2018
Book Page	003167/000407
Instrument	72399

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 2, 2048

Interest

Rate Type	Adjustable Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jun 29, 2018
Property Address	1990 W SHELL LN, VERO BEACH, FL 32963-4551
Document Number	0031290959
Book / Page	003129 / 000959
Instrument Date	Jun 29, 2018
Instrument	40318
Transaction Type	Transfer
Record Updated	Jul 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,940.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7417 NW 1ST MNR PLANTATION FL 333172270, PLANTATION, FL 33317-2270

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jun 29, 2018
Property Address	1990 W SHELL LN, VERO BEACH, FL 32963-4551
Document Number	0031290963
Book / Page	003129 / 000963
Instrument Date	Jun 26, 2018
Instrument	40320
Transaction Type	Transfer
Record Updated	Jul 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7417 NW 1ST MNR PLANTATION FL 333172270, PLANTATION, FL 33317-2270

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jun 29, 2018
Property Address	1990 W SHELL LN, VERO BEACH, FL 32963-4551
Document Number	0031290961
Book / Page	003129 / 000961
Instrument Date	Jun 25, 2018
Instrument	40319
Transaction Type	Transfer
Record Updated	Jul 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7417 NW 1ST MNR PLANTATION FL 333172270, PLANTATION, FL 33317-2270

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jun 29, 2018
Property Address	1990 W SHELL LN, VERO BEACH, FL 32963-4551
Document Number	0031290957
Book / Page	003129 / 000957
Instrument Date	Nov 27, 2017
Instrument	40317
Transaction Type	Transfer
Record Updated	Jul 16, 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	Personal Trust
Address	6214 LEEWARD LN MELBOURNE BEACH FL 329513764, MELBOURNE BEACH, FL 32951-3764

Tax Assessment & Valuation

The 2025 property tax bill for 1990 W Shell Ln was $4,037 with a homeowner's exemption.

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	$4,037.00 Homeowner's exemption	$298,582	$609,759 Land $299,906 Building $309,853
2023	$3,549.00 (+2.9%)	$281,716 (+3%)	$538,412 (+25.08%) Land $224,711 Building $313,701
2022	$3,449.00	$273,511	$430,471 Land $151,680 Building $278,791

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

Flood

FEMA maps place 1990 W Shell Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	6.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1990 W Shell Ln is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% 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	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 314 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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