2445 Pine Ave, Vero Beach, FL 32960 Property Records

Indian River County property record for 2445 Pine Ave, Vero Beach, FL 32960

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,922 sqft · built 1991
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$490,000 (Mar 2024)
Tax Bill	$5,817 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Oct 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-39-01-00005-0080-00004.0`

Property Details

APN / Parcel Number

Primary APN	`33-39-01-00005-0080-00004.0`
Alternative APN	`64900`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,922 sqft Living Area
1st Floor Area	1,922 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1999
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Shingle
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	130 ft deep x 78 ft wide
Garage Area	504 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	270 sqft
Patio Area	40 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	64900
Street Address	2445 PINE AVE
City	VERO BEACH
State	FL
Zip	32960-5020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	ROYAL PARK SUB BLK 8 SLY 25 FT LOT 4 & LOT 5 PBI 1-13
Legal Range	39
Legal Township	33
Legal Section	01
Legal Subdivision	ROYAL PARK
Legal Block	8
Legal Lot Number	4-5
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	3
Census Block	3014
Census Tract	50402

Owner

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

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2445 PINE AVE, VERO BEACH, FL 32960-5020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2024	Deed of Trust, Mortgage · Conventional Mortgage FIRST FLORIDA CU
Oct 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MORTGAGE INC
Nov 21, 2017	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2024 · Amount on Record
Deed Sale	Mar 27, 2024 · Amount on Record
Prior Sale	Jun 4, 2001 · Amount on Record
Deed Document Number	3120240014167
Deed Book / Page	3686 / 1123
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	2445 PINE AVE, VERO BEACH, FL 32960-5020
Transaction Type	Mortgage
Record Updated	May 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	616 DELAWARE AVE, VIRGINIA BEACH, VA 23451-4623

Mortgage

Document Number	0036861125
Date	Mar 27, 2024
Book Page	3686/1125
Instrument	3120240014168

Lender

Name	FIRST FLORIDA CU
Type	Credit Union
Address	500 W 1ST ST, JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2029
Change Frequency	5 Years
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	5-Year CMT
Margin	2
Max Rate	11.1%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	2445 PINE AVE, VERO BEACH, FL 32960-5020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BOSTON NATIONAL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030610865
Date	Oct 9, 2017
Book Page	3061/0865
Instrument	3120170057740

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	2445 PINE AVE, VERO BEACH, FL 32960-5020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030711528
Date	Nov 21, 2017
Book Page	3071/1528
Instrument	3120170066639

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$5,817.00 (+113.08%)	$388,744 (+89.96%) Land $91,295 Building $297,449	$388,744 (-8.02%) Land $91,295 Building $297,449
2023	$2,730.00 (+3.41%)	$204,644 (+3%)	$422,619 (+27.91%) Land $121,727 Building $300,892
2022	$2,640.00	$198,683	$330,399 Land $74,389 Building $256,010

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 18 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	9 (2002–2011)
Claims Outside the SFHA	7 of 9
Most Recent Claim	Oct 2011 · rainfall accumulation
Claims by Event	Tropical Storm Fay, Sep 2008 · 3 claims Hurricane Frances, Sep 2004 · 4 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

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 346 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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