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2540 86th Dr, Vero Beach, FL 32966 Property Records

Indian River County property record for 2540 86th Dr, Vero Beach, FL 32966

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,292 sqft · built 2023
Lot Size0.11 acres (4,792 sqft)
OwnerIndividual Name on File
Last Sale$309,900 (Sep 2023)
Tax Bill$4,177 (2025)
Deeds & MortgagesSep 2023 Sale & Mortgage
Nov 2021 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN33-38-02-00003-0040-00007.0

Property Details

APN / Parcel Number

Primary APN33-38-02-00003-0040-00007.0
Alternative APN
  • 61680

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Building Area1,292 sqft Living Area
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2023
Exterior MaterialConcrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeHip
Roof MaterialComposition Shingle
Lot Area4,792 sqft (0.11 acres)
Lot Dimensions100 ft deep x 50 ft wide
Garage Area240 sqft
DrivewayDriveway
Driveway Area300 sqft
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number61680
Street Address2540 86TH DR
CityVERO BEACH
StateFL
Zip32966-5025
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS-6
Legal DescriptionPARADISE PARK UNIT NO 2 PBI 3-77 BLK D LOT 7
Legal Range38
Legal Township33
Legal Section02
Legal SubdivisionPARADISE PARK UNIT NO 2
Legal BlockD
Legal Lot Number7
Legal Unit2
JurisdictionINDIAN RIVER FL
Township / Civil DivisionFELLSMERE
Census Block Group1
Census Block1038
Census Tract50907

Owner

2540 86th Dr is owned and occupied by an individual who bought it in September 2023.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address2540 86TH DR, VERO BEACH, FL 32966-5025
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Sep 6, 2023Warranty Deed, Subdivision Related Transfer · FHA Mortgage
ROCKET MORTGAGE LLC
Nov 8, 2021Warranty Deed, Transfer
NOT AVAILABLE, ELITE TITLE
Dec 16, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 6, 2023 · Amount on File
Deed SaleSep 6, 2023 · Amount on File
Prior SaleNov 8, 2021 · Amount on File
Deed Document Number3120230045256
Deed Book / Page3648 / 486
Record UpdatedJun 8, 2026

September 2023: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionINDIAN RIVER FL
Recording DateSep 6, 2023
Property Address2540 86TH DR, VERO BEACH, FL 32966-5025
Document Number0036480486
Book / Page3648 / 486
Map ReferenceMB 3 PG 77
Instrument DateAug 18, 2023
Instrument3120230045256
Transaction TypeSubdivision Related Transfer
Record UpdatedSep 26, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,169.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address847 W 13TH CT # CT1, CT1, RIVIERA BEACH, FL 33404-6733

Transferred To (Grantee/Buyer)

NameVerified Name
Address2540 86TH DR, VERO BEACH, FL 32966-5025
InvestorPossibly a Property Investor

Mortgage

Document Number3120230045257
DateSep 6, 2023
Instrument3120230045257
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueSep 1, 2053

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionINDIAN RIVER FL
Recording DateNov 8, 2021
Property Address2540 86TH DR, VERO BEACH, FL 32966-5025
Document Number0034810789
Book / Page3481 / 789
Map ReferenceMB 3 PG 77
Instrument DateOct 29, 2021
Instrument3120210077481
Transaction TypeTransfer
Record UpdatedNov 17, 2021
Title CompanyNOT AVAILABLE, ELITE TITLE

Transaction

AmountAmount on Record
Tax$196.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8309 CARLTON RD, 8309, WEST TERRE HAUTE, IN 47885-9358

Transferred To (Grantee/Buyer)

NameVerified Name
Address847 W 13TH CT STE 1, 1, RIVIERA BEACH, FL 33404-6733
InvestorPossibly a Property Investor

December 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionINDIAN RIVER FL
Recording DateDec 16, 2020
Property Address2540 86TH DR, VERO BEACH, FL 32966-5025
Document Number0033681979
Book / Page003368 / 001979
Instrument DateDec 16, 2020
Instrument76450
Transaction TypeTransfer
Record UpdatedDec 30, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address8645 26TH ST VERO BEACH FL 329664921, VERO BEACH, FL 32966-4921

Tax Assessment & Valuation

The 2025 property tax bill for 2540 86th Dr was $4,177.

Source: Indian River County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyIndian River County
Unified School DistrictIndian River County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,177.00$268,304 Land $23,205 Building $245,099$268,304 Land $23,205 Building $245,099
2023$489.00 (+32.16%)$41,963 (+68.48%) Land $41,963$41,963 (+68.48%) Land $41,963
2022$370.00$24,907 Land $24,907$24,907 Land $24,907

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2540 86th Dr in Zone X, an area of minimal flood risk, within 500 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 72 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies72 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017 · Hurricane Irma

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 2540 86th Dr is moderate, ranking above 56% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire RiskModerate
above 56% of the US · lower than 72% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

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 SystemINDIAN RIVER COUNTY UTILITIES (2 WTPS)
serves 126,893 people · EPA ID FL3314052
Water SourceGroundwater
Last State InspectionJun 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting14
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 200 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
AT&T
DSL · Fiber in parts of the area		100 / 20

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