2076 28th Ave, Vero Beach, FL 32960 Property Records

Indian River County property record for 2076 28th Ave, Vero Beach, FL 32960

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,038 sqft · built 1994
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Apr 2021)
Tax Bill	$3,281 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Jul 2020 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`33-39-03-00012-0010-00014.0`

Property Details

APN / Parcel Number

Primary APN	`33-39-03-00012-0010-00014.0`
Alternative APN	`68148`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,038 sqft Living Area
Gross Area	1,314 sqft
1st Floor Area	1,038 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2010
Architectural Style	Custom Design
Exterior Material	Wood
Construction Type	Wood
Roof Type	Hip
Roof Material	Metal
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	125 ft deep x 50 ft wide
View / Lot	Interior
Garage Type	Attached
Garage Area	276 sqft
Porch	Porch
Porch Area	56 sqft
Utility Building	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2076 28TH AVE
City	VERO BEACH
State	FL
Zip	32960-4994
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	ALTONA HEIGHTS SUBDIVISION BLK 1 LOT 14 PBI 1-76
Legal Range	39E
Legal Township	33S
Legal Section	03
Legal Subdivision	ALTONA HEIGHTS SUBDIVISION
Legal Block	1
Legal Lot Number	14
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1018
Census Tract	50201

Owner

2076 28th Ave is owned and occupied by an individual who bought it in April 2021.

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

Owner of Record	Individual Name on File
Mailing Address	2076 28TH AVE, VERO BEACH, FL 32960-4994
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 13, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Jul 14, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 22, 2019	Warranty Deed, Transfer NOT AVAILABLE
Feb 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage RANDALL S FLINCHUM
Jan 13, 2017	Warranty Deed, Transfer · ARM MARINE BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2021 · Amount on File
Deed Sale	Apr 13, 2021 · Amount on File
Prior Sale	Mar 22, 2019 · Amount on File
Deed Document Number	202125736
Deed Book / Page	3409 / 1483
Prior Transfer Date	Jul 2, 2020
Prior Transfer Doc	0033181078
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Apr 13, 2021
Property Address	2076 28TH AVE, VERO BEACH, FL 32960-4994
Document Number	0034091483
Book / Page	3409 / 1483
Map Reference	MB 1 PG 76
Instrument Date	Apr 9, 2021
Instrument	3120210025736
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	MAJESTY TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2400 INDIAN CREEK BLVD W # WE222, 2400, VERO BEACH, FL 32966-5105

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2076 28TH AVE, VERO BEACH, FL 32960-4994

Mortgage

Document Number	34091485
Date	Apr 13, 2021
Instrument	3409/1485

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jul 14, 2020
Property Address	2076 28TH AVE, VERO BEACH, FL 32960-4994
Document Number	0033181078
Book / Page	003318 / 001078
Instrument Date	Jul 2, 2020
Instrument	39643
Transaction Type	Transfer
Record Updated	Jul 27, 2020
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	Revocable Trust
Address	2076 28TH AVE VERO BEACH FL 329604994, VERO BEACH, FL 32960-4994

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Mar 22, 2019
Property Address	2076 28TH AVE, VERO BEACH, FL 32960-4994
Document Number	0031930751
Book / Page	003193 / 000751
Instrument Date	Mar 19, 2019
Instrument	17090
Transaction Type	Transfer
Record Updated	Apr 1, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1,197.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2076 28TH AVE VERO BEACH FL 329604994, VERO BEACH, FL 32960-4994

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	2076 28TH AVE, VERO BEACH, FL 32960-4994
Document Number	0030120125
Book / Page	003012 / 000125
Instrument Date	Feb 1, 2017
Transaction Type	Mortgage
Record Updated	Nov 7, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2076 28TH AVE VERO BEACH FL 329604994, VERO BEACH, FL 32960-4994

Mortgage

Document Number	0030120125
Date	Apr 3, 2017
Book Page	003012/000125
Instrument	17066

Lender

Name	RANDALL S FLINCHUM
Address	1953 ROBALO DR, VERO BEACH, FL 32960-5240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 2, 2037

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jan 13, 2017
Property Address	2076 28TH AVE, VERO BEACH, FL 32960-4994
Document Number	0029941074
Book / Page	2994 / 1074
Map Reference	MB1 PG76
Instrument Date	Jan 12, 2017
Instrument	3120170002132
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$994.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2395 LITTLE EAGLE LN SW, 2395, VERO BEACH, FL 32962-8601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2076 28TH AVE, VERO BEACH, FL 32960-4994

Mortgage

Document Number	29941078
Date	Jan 13, 2017
Instrument	2994/1078

Lender

Name	MARINE BANK & TRUST CO
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Feb 1, 2024
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	6.75%
Index	1-Year LIBOR
Margin	3
Max Rate	9.75%

Tax Assessment & Valuation

The 2025 property tax bill for 2076 28th Ave was $3,281 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
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	$3,281.00 Homeowner's exemption	$229,067 Land $16,660 Building $212,407	$229,067 Land $16,660 Building $212,407
2023	$3,145.00 (-1.16%)	$231,375 (+19.86%) Land $16,660 Building $214,715	$231,375 (+19.86%) Land $16,660 Building $214,715
2022	$3,182.00	$193,037 Land $16,660 Building $176,377	$193,037 Land $16,660 Building $176,377

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

Flood

FEMA maps place 2076 28th Ave in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	9 in force

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 2076 28th Ave 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 98% of the US · lower than 97.6% 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	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 333 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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