2085 28th Ave, Vero Beach, FL 32960 Property Records

Indian River County property record for 2085 28th Ave, Vero Beach, FL 32960

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,702 sqft · built 1999
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Mar 2017)
Tax Bill	$2,963 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Feb 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-39-03-00044-0000-00001.0`

Property Details

APN / Parcel Number

Primary APN	`33-39-03-00044-0000-00001.0`
Alternative APN	`68854`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,702 sqft Living Area
Gross Area	2,242 sqft
1st Floor Area	1,702 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Metal
Lot Area	23,958 sqft (0.55 acres)
Lot Dimensions	237 ft deep x 100 ft wide
View / Lot	Interior
Garage Type	Attached
Garage Area	420 sqft
Driveway	Concrete Driveway
Driveway Area	800 sqft
Porch	Screened Porch
Porch Area	152 sqft
Utility Building	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2085 28TH AVE
City	VERO BEACH
State	FL
Zip	32960-3014
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	KISS SUB LOT 1 PBI 15-59
Legal Range	39E
Legal Township	33S
Legal Section	03
Legal Subdivision	KISS SUBDIVISION
Legal Lot Number	1
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1016
Census Tract	50201

Owner

2085 28th Ave is owned and occupied by two individuals who bought it in March 2017.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2085 28TH AVE, VERO BEACH, FL 32960-3014
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 6, 2018	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 9, 2017	Warranty Deed, Transfer · FHA Mortgage FIDELITY FUNDING MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2017 · Amount on File
Deed Sale	Mar 9, 2017 · Amount on File
Prior Sale	Mar 26, 2013 · Amount on File
Deed Document Number	201712618
Deed Book / Page	3006 / 1606
Prior Transfer Date	Oct 17, 2013
Prior Transfer Doc	0027122188
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	2085 28TH AVE, VERO BEACH, FL 32960-3014
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033590463
Date	Nov 23, 2020
Book Page	3359/463
Instrument	3120200070327

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	321 Months
Due	Aug 1, 2047

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	2085 28TH AVE, VERO BEACH, FL 32960-3014
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030900963
Date	Feb 6, 2018
Book Page	3090/0963
Instrument	3120180006794

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	350 Months
Due	Apr 1, 2047

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Mar 9, 2017
Property Address	2085 28TH AVE, VERO BEACH, FL 32960-3014
Document Number	0030061606
Book / Page	3006 / 1606
Map Reference	MB15 PG59&59A
Instrument Date	Mar 2, 2017
Instrument	3120170012618
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	RIOMAR TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2085 28TH AVE, VERO BEACH, FL 32960-3014

Mortgage

Document Number	30061608
Date	Mar 9, 2017
Instrument	3006/1608

Lender

Name	FIDELITY FUNDING MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2085 28th Ave was $2,963 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	$2,963.00 Homeowner's exemption	$209,027	$317,678 Land $43,860 Building $273,818
2023	$2,614.00 (+3.4%)	$197,220 (+3%)	$318,329 (+19.24%) Land $43,860 Building $274,469
2022	$2,528.00	$191,475	$266,961 Land $43,860 Building $223,101

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

Flood

FEMA maps place 2085 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 2085 28th Ave is low, with less than 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	Under 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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