2170 45th Ave, Vero Beach, FL 32966 Property Records

Indian River County property record for 2170 45th Ave, Vero Beach, FL 32966

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 816 sqft · built 1966
Lot Size	0.189 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$115,000 (Mar 2020)
Tax Bill	$2,230 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33-39-04-00008-0000-00016.0`

Property Details

APN / Parcel Number

Primary APN	`33-39-04-00008-0000-00016.0`
Alternative APN	`69189`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	816 sqft Living Area
1st Floor Area	816 sqft
Utility Area	48 sqft
Utility Room	Utility Room
Flooring	Terrazzo
Interior Walls	Plaster

Exterior

Year Built	Built 1966
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Retaining Wall
Roof Type	Gambrel
Roof Material	Rolled Roofing
Lot Area	8,276 sqft (0.189 acres)
Lot Dimensions	120 ft deep x 70 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	240 sqft
Porch	Open Porch
Porch Area	24 sqft
Patio Area	282 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	69189
Street Address	2170 45TH AVE
City	VERO BEACH
State	FL
Zip	32966-2086
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	ALBRECHT GROVE SUB LOT 16 PBI 3-100
Legal Range	39
Legal Township	33
Legal Section	04
Legal Subdivision	ALBRECHT GROVE SUBDIVISION
Legal Lot Number	16
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	2
Census Block	2020
Census Tract	50202

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 Individual Names on Record
Mailing Address	343 RETRAC RD, LEXINGTON, KY 40503-4379
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2020 · Amount on Record
Deed Sale	Mar 19, 2020 · Amount on Record
Deed Document Number	3120200016898
Deed Book / Page	3286 / 2405
Record Updated	Jun 8, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Mar 19, 2020
Property Address	2170 45TH AVE, VERO BEACH, FL 32966-2086
Document Number	0032862405
Book / Page	003286 / 002405
Instrument Date	Mar 16, 2020
Instrument	16898
Transaction Type	Transfer
Record Updated	Apr 22, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$805.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	343 RETRAC RD LEXINGTON KY 405034379, LEXINGTON, KY 40503-4379

Mortgage

Document Number	32862407
Date	Mar 19, 2020
Book Page	003286/002407
Instrument	16899

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 18, 2035

Tax Assessment & Valuation

Source: Indian River County assessment roll, as of July 1, 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	$2,230.00 (+17%)	$129,765 (-3.23%) Land $26,775 Building $102,990	$129,765 (-3.23%) Land $26,775 Building $102,990
2023	$1,906.00 (+11.79%)	$134,092 (+18.43%) Land $26,775 Building $107,317	$134,092 (+18.43%) Land $26,775 Building $107,317
2022	$1,705.00	$113,227 Land $22,313 Building $90,914	$113,227 Land $22,313 Building $90,914

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 35 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
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

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.06% 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 261 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

May also be available: AT&T.

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