2103 15th St, Vero Beach, FL 32960 Property Records

Indian River County property record for 2103 15th St, Vero Beach, FL 32960

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,228 sqft · built 1950
Lot Size	0.239 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$194,500 (Oct 2020)
Tax Bill	$301 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Feb 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-39-11-00006-0030-00020.0`

Property Details

APN / Parcel Number

Primary APN	`33-39-11-00006-0030-00020.0`
Alternative APN	`73981`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,228 sqft Living Area
1st Floor Area	2,228 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.239 acres)
Lot Dimensions	99 ft deep x 107 ft wide
Garage Area	396 sqft
Driveway	Driveway
Driveway Area	1,350 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	151 sqft
Deck Area	870 sqft
Patio Area	318 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	73981
Street Address	2103 15TH ST
City	VERO BEACH
State	FL
Zip	32960-3173
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	INDIAN RIVER FARMS COMPANY S/D PBS 2 - 25 SEC 11 TWN 33 RNG 39 TR 3 DESC AS FOLL FROM THE SW COR OF TR 3 RUN E ON THE S LINE
Legal Range	39
Legal Township	33
Legal Section	11
Legal Subdivision	INDIAN RIVER FARMS COMPANY S/D
Legal Tract	3
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	3
Census Block	3017
Census Tract	50102

Owner

2103 15th St is owned and occupied by an individual who bought it in October 2020.

Source: Indian River County records, as of March 5, 2026

Owner of Record	Individual Name on File
Mailing Address	2103 15TH ST, VERO BEACH, FL 32960-3173
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
Oct 2, 2020	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Feb 15, 2018	Warranty Deed, Transfer RIOMAR TITLE LLC
Feb 15, 2018	Warranty Deed, Transfer RIOMAR TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2020 · Amount on File
Deed Sale	Oct 2, 2020 · Amount on File
Prior Sale	Feb 15, 2018 · Amount on File
Deed Document Number	3120200058712
Deed Book / Page	3343 / 2233
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Oct 2, 2020
Property Address	2103 15TH ST, VERO BEACH, FL 32960-3173
Document Number	0033432233
Book / Page	3343 / 2233
Instrument Date	Sep 30, 2020
Instrument	3120200058712
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	FREEHOLD TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,361.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4018 NW 17TH PL, 4018, GAINESVILLE, FL 32605-3563

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2103 15TH ST, VERO BEACH, FL 32960-3173

Mortgage

Document Number	33432235
Date	Oct 2, 2020
Instrument	3343/2235

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2040

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Feb 15, 2018
Property Address	2103 15TH ST, VERO BEACH, FL 32960-3173
Document Number	0030921727
Book / Page	003092 / 001727
Instrument Date	Feb 6, 2018
Instrument	8962
Transaction Type	Transfer
Record Updated	Mar 2, 2018
Title Company	RIOMAR TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1208 W FAIRVIEW AVE SPOKANE WA 992053434, SPOKANE, WA 99205-3434

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Feb 15, 2018
Property Address	2103 15TH ST, VERO BEACH, FL 32960-3173
Document Number	0030921732
Book / Page	003092 / 001732
Instrument Date	Feb 6, 2018
Instrument	8963
Transaction Type	Transfer
Record Updated	Mar 5, 2018
Title Company	RIOMAR TITLE LLC

Transaction

Amount	Amount on Record
Tax	$931.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1208 W FAIRVIEW AVE SPOKANE WA 992053434, SPOKANE, WA 99205-3434

Tax Assessment & Valuation

The 2025 property tax bill for 2103 15th St was $301.

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	$301.00	$132,513	$259,537 Land $48,657 Building $210,880
2023	$179.00 (+2.29%)	$125,027 (+3%)	$259,784 (+6.69%) Land $48,657 Building $211,127
2022	$175.00	$121,385	$243,485 Land $48,657 Building $194,828

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

Flood

FEMA maps place 2103 15th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

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
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2016 · other causes

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 2103 15th St 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 99.8% of the US · lower than 99.7% 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 178 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

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