23 Dolphin Dr, Vero Beach, FL 32960 Property Records

Indian River County property record for 23 Dolphin Dr, Vero Beach, FL 32960

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,612 sqft · built 1974
Lot Size	0.389 acres (16,988 sqft)
Owner	Individual Name on File
Last Sale	$665,000 (May 2016)
Tax Bill	$12,193 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jan 2020 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`32-40-31-00005-0070-00016.0`

Property Details

APN / Parcel Number

Primary APN	`32-40-31-00005-0070-00016.0`
Alternative APN	`57923`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,612 sqft Living Area
1st Floor Area	2,612 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1994
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Retaining Wall
Roof Type	Hip
Roof Material	Metal
Lot Area	16,988 sqft (0.389 acres)
Lot Dimensions	125 ft deep x 138 ft wide
Garage Area	660 sqft
Driveway	Driveway
Driveway Area	2,820 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	491 sqft
Deck Area	966 sqft
Patio Area	50 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	57923
Street Address	23 DOLPHIN DR
City	VERO BEACH
State	FL
Zip	32960-5209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	VERO ISLES PLAT NO 5 BLK 7 LOT 16 LESS WLY 53 FT & LOT 17 PBI 5-60
Legal Range	40
Legal Township	32
Legal Section	31
Legal Subdivision	VERO ISLES PLAT NO 5
Legal Block	7
Legal Lot Number	16-17
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	2
Census Block	2005
Census Tract	50402

Owner

23 Dolphin Dr is owned and occupied by an individual who bought it in May 2016.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	23 DOLPHIN DR, VERO BEACH, FL 32960-5209
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 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 14, 2020	Deed of Trust, Mortgage · Line of Credit CENTERSTATE BANK NA
May 30, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2016 · Amount on File
Deed Sale	May 17, 2016 · Amount on File
Deed Document Number	3120160028164
Deed Book / Page	2934 / 2376
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	23 DOLPHIN DR, VERO BEACH, FL 32960-5209
Transaction Type	Mortgage
Record Updated	Dec 6, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034710566
Date	Oct 6, 2021
Book Page	3471/566
Instrument	3120210070095

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	23 DOLPHIN DR, VERO BEACH, FL 32960-5209
Transaction Type	Mortgage
Record Updated	Dec 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032690256
Date	Jan 14, 2020
Book Page	3269/0256
Instrument	3120200002410

Lender

Name	CENTERSTATE BANK NA
Type	Bank
Address	VERO BEACH, FL 32960

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Dec 2, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	23 DOLPHIN DR, VERO BEACH, FL 32960-5209
Document Number	0030310368
Book / Page	003031 / 000368
Instrument Date	May 30, 2017
Transaction Type	Mortgage
Record Updated	Jul 6, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	23 DOLPHIN DR VERO BEACH FL 329605209, VERO BEACH, FL 32960-5209

Mortgage

Document Number	0030310368
Date	Jun 7, 2017
Book Page	003031/000368
Instrument	32974

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 6, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 23 Dolphin Dr was $12,193.

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	$12,193.00	$788,949	$1,404,701 Land $903,888 Building $500,813
2023	$10,651.00 (+2.94%)	$715,412 (+3%)	$1,381,072 (+56.37%) Land $903,888 Building $477,184
2022	$10,347.00	$694,575	$883,203 Land $552,376 Building $330,827

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

Flood

FEMA maps place 23 Dolphin Dr in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 File median of 164 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	534 units insured incl. 370 condo units
Nearby Flood Claims	149 (1979–2017)
Claims Outside the SFHA	49 of 149
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 7 claims Hurricane Matthew, Oct 2016 · 3 claims Hurricane Frances, Sep 2004 · 122 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

The area around 23 Dolphin Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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