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2706 Cardinal Dr, Vero Beach, FL 32963 Property Records

Indian River County property record for 2706 Cardinal Dr, Vero Beach, FL 32963

Property Summary

Property TypeSingle Family Home
Details2 bd · 2.5 ba · 1,680 sqft · built 1969
Lot Size0.06 acres (2,614 sqft)
Owner2 Individual Names on File
Last Sale$975,000 (Oct 2021)
Tax Bill$17,913 (2025)
Deeds & MortgagesOct 2021 Sale & Mortgage
Jan 2018 Sale
Flood ZoneZone X (minimal risk)
APN32-40-32-00014-0030-00008.3

Property Details

APN / Parcel Number

Primary APN32-40-32-00014-0030-00008.3
Alternative APN
  • 59224

Interior

Bedrooms2 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures9 Plumbing Fixtures
Total Rooms5 Rooms
Stories2 Stories
Building Area1,680 sqft Living Area
1st Floor Area940 sqft
2nd Floor Area740 sqft
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1969
Effective Year BuiltEffective 2018
Architectural StyleCustom Design
Exterior MaterialBrick Veneer
Construction TypeMasonry / Concrete Block
Roof TypeFlat
Roof MaterialOther
Lot Area2,614 sqft (0.06 acres)
Lot Width2,613 ft Width
View / LotInterior
Garage TypeDetached
Garage Area400 sqft
PorchOpen Porch
Porch Area232 sqft
Patio Area484 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address2706 CARDINAL DR
CityVERO BEACH
StateFL
Zip32963-2066
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRM-10/12
Legal DescriptionWALTER KITCHINGS SUBDIVISION PBS 4-5 BLK 3 LOT 9 MORE FULLY DESC AS THE S 20 FT OF THE N 74.99 FT OF LOT 9 AND THE S 20 FT OF THE N 74.99 FT OF THE W 33 FT OF LOT 8 BLK 3 AKA PARCEL 4
Legal Range40E
Legal Township32S
Legal Section32
Legal SubdivisionWALTER KITCHINGS SUBDIVISION
Legal Block3
Legal Lot Number9
JurisdictionINDIAN RIVER FL
Township / Civil DivisionVERO BEACH
Census Block Group1
Census Block1047
Census Tract50504

Owner

2706 Cardinal Dr is owned by two individuals who bought it in October 2021.

Source: Indian River County records, as of December 22, 2025

Owner of Record2 Individual Names on File
Mailing Address10585 KENT CT, VERO BEACH, FL 32963-4717
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
Oct 20, 2021Warranty Deed, Transfer · Conventional Mortgage
THE NORTHERN TRUST COMPANY
Jan 8, 2018Warranty Deed, Transfer
ATLANTIC COASTAL LAND TITLE COMPANY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 20, 2021 · Amount on File
Deed SaleOct 20, 2021 · Amount on File
Prior SaleJul 9, 1996 · Amount on File
Deed Document Number202173208
Deed Book / Page3475 / 743
Prior Transfer DateApr 16, 2008
Prior Transfer Doc0022591711
Record UpdatedJun 8, 2026

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionINDIAN RIVER FL
Recording DateOct 20, 2021
Property Address2706 CARDINAL DR, VERO BEACH, FL 32963-2066
Document Number0034750743
Book / Page3475 / 743
Map ReferenceMB 4 PG 5
Instrument DateSep 30, 2021
Instrument3120210073208
Transaction TypeTransfer
Record UpdatedDec 6, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$6,825.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2706 CARDINAL DR, 2706, VERO BEACH, FL 32963-2066

Transferred To (Grantee/Buyer)

NameVerified Name
Address2706 CARDINAL DR, VERO BEACH, FL 32963-2066

Mortgage

Document Number3475745
DateOct 20, 2021
Instrument3475/745
Lender
NameTHE NORTHERN TRUST COMPANY
TypeNon-Lending Institution
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2051
Interest
Rate TypeAdjustable Rate
Rate2.75%
Type Change DateNov 1, 2026
Change Frequency6 Months
Min Rate At Change2.75%
Max Rate At Change4.75%
IndexOther
Max Rate7.75%

January 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionINDIAN RIVER FL
Recording DateJan 8, 2018
Property Address2706 CARDINAL DR, VERO BEACH, FL 32963-2066
Document Number0030840113
Book / Page003084 / 000113
Instrument DateJan 5, 2018
Instrument1077
Transaction TypeTransfer
Record UpdatedJan 22, 2018
Title CompanyATLANTIC COASTAL LAND TITLE COMPANY

Transaction

AmountAmount on Record
Tax$2,100.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address912 GREENWAY LN VERO BEACH FL 329632108, VERO BEACH, FL 32963-2108

Tax Assessment & Valuation

The 2025 property tax bill for 2706 Cardinal Dr was $17,913.

Source: Indian River County assessment roll, as of December 8, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$17,913.00$1,196,121 Land $191,250 Building $1,004,871$1,196,121 Land $191,250 Building $1,004,871
2023$14,145.00 (+11.87%)$929,470 (+15.84%) Land $191,250 Building $738,220$929,470 (+15.84%) Land $191,250 Building $738,220
2022$12,644.00$802,342 Land $191,250 Building $611,092$802,342 Land $191,250 Building $611,092

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

Flood

FEMA maps place 2706 Cardinal Dr in Zone X, an area of minimal flood risk, though there have been 129 flood claims nearby since 1979.

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
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 433 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies622 units insured
incl. 189 condo units
Nearby Flood Claims129 (1979–2024)
Claims Outside the SFHA59 of 129
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 6 claims
  • Hurricane Irma, Sep 2017 · 5 claims
  • Hurricane Frances, Sep 2004 · 100 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 2706 Cardinal 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 RiskNot 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 SystemCITY OF VERO BEACH
serves 37,308 people · EPA ID FL3310206
Water SourceGroundwater
Last State InspectionMar 2025
Lead5 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Jul 2020
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting29
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 255 locations within half a mile, as of December 31, 2025

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

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