2003 Cove Dr, Vero Beach, FL 32963 Property Records

Indian River County property record for 2003 Cove Dr, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,807 sqft · built 1963
Lot Size	0.75 acres (32,670 sqft)
Owner	2 Company Names on Record
Last Sale	$1,500,000 (Aug 2013)
Tax Bill	$18,526 (2025)
Deeds & Mortgages	Aug 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`33-40-05-00006-0000-00000.1`

Property Details

APN / Parcel Number

Primary APN	`33-40-05-00006-0000-00000.1`
Alternative APN	`93372`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,807 sqft Living Area
1st Floor Area	2,807 sqft
Flooring	Terrazzo
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1990
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Retaining Wall
Roof Type	Hip
Roof Material	Concrete
Lot Area	32,670 sqft (0.75 acres)
Lot Dimensions	251 ft deep x 131 ft wide
Garage Area	552 sqft
Driveway	Driveway
Driveway Area	4,311 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	510 sqft
Deck Area	458 sqft
Patio Area	390 sqft
Gazebo	2 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	93372
Street Address	2003 COVE DR
City	VERO BEACH
State	FL
Zip	32963-2129
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AA
Legal Description	RIOMAR BAY UNIT 1 REPLAT OF LOT A PBI 6-65 & 65A
Legal Range	40
Legal Township	33
Legal Section	05
Legal Subdivision	REPLAT OF RIOMAR BAY UNIT 1
Legal Lot Number	A
Legal Unit	1
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1059
Census Tract	50504

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	2 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	2003 COVE DR, VERO BEACH, FL 32963-2129
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2013 · Amount on Record
Deed Sale	Aug 13, 2013 · Amount on Record
Prior Sale	Aug 13, 2013
Deed Document Number	3120130052388
Deed Book / Page	2695 / 0171
Record Updated	Jun 8, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	2003 COVE DR, VERO BEACH, FL 32963-2129
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030461961
Date	Aug 7, 2017
Book Page	3046/1961
Instrument	3120170045890

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.26%
Type Change Date	Aug 1, 2027
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.26%
Index	1-Year LIBOR
Max Rate	8.26%

Tax Assessment & Valuation

Source: Indian River County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Indian River County
Municipality	Vero Beach City
Unified School District	Indian River County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$18,526.00 (+9%)	$1,191,498 (+5.99%)	$2,932,982 (+42.93%) Land $1,996,946 Building $936,036
2023	$16,997.00 (+2.88%)	$1,124,192 (+3%)	$2,052,043 (+27.61%) Land $1,664,122 Building $387,921
2022	$16,521.00	$1,091,448	$1,608,003 Land $1,331,297 Building $276,706

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 433 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	622 units insured incl. 189 condo units
Nearby Flood Claims	129 (1979–2024)
Claims Outside the SFHA	59 of 129
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 6 claims Hurricane Irma, Sep 2017 · 5 claims Hurricane Frances, Sep 2004 · 100 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% 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 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20