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2804 Cardinal Dr, Vero Beach, FL 32963 Property Records

Indian River County property record for 2804 Cardinal Dr, Vero Beach, FL 32963

Property Summary

Property TypeCondominium
Details2 bd · 2.5 ba · 1,920 sqft · built 1973
Lot Size1.3 acres (57,036 sqft)
Owner2 Individual Names on Record
Last Sale$590,000 (Jan 2021)
Tax Bill$6,085 (2025)
Deeds & MortgagesJan 2021 Sale
Flood ZoneZone X (minimal risk)
APN32-40-32-00021-0000-00003.0

Property Details

APN / Parcel Number

Primary APN32-40-32-00021-0000-00003.0
Alternative APN
  • 59462

Interior

Bedrooms2 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,920 sqft Living Area
1st Floor Area1,920 sqft

Exterior

Year BuiltBuilt 1973
Effective Year BuiltEffective 1973
Architectural StyleCondo/Apartment
Lot Area57,036 sqft (1.3 acres)

Location & Zoning

Street Address2804 CARDINAL DR
CityVERO BEACH
StateFL
Zip32963-2068
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionOCEAN TOWERS II CONDO APT 3 OR BK 438 PP 864
Legal Range40E
Legal Township32S
Legal Section32
Legal SubdivisionOCEAN TOWERS II CONDO
Legal Unit3
JurisdictionINDIAN RIVER FL
Township / Civil DivisionVERO BEACH
Census Block Group1
Census Block1002
Census Tract50504

Owner

Source: Indian River County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address2804 CARDINAL DR, 3, VERO BEACH, FL 32963-2068
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 26, 2021 · Amount on Record
Deed SaleJan 26, 2021 · Amount on Record
Deed Document Number20215462
Deed Book / Page3381 / 1110
Prior Transfer DateDec 11, 2015
Prior Transfer Doc0028991158
Record UpdatedJun 8, 2026

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionINDIAN RIVER FL
Recording DateJan 26, 2021
Property Address2804 CARDINAL DR # 3, 3, VERO BEACH, FL 32963-2068
Document Number0033811110
Book / Page003381 / 001110
Instrument DateJan 26, 2021
Instrument5462
Transaction TypeTransfer
Record UpdatedFeb 10, 2021
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$29.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2804 CARDINAL DR #3 VERO BEACH FL 329632068, 3, VERO BEACH, FL 32963-2068

Tax Assessment & Valuation

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$6,085.00 (+9.66%) Homeowner's exemption$413,546 (+5.99%)$828,497 (-) Building $828,497
2023$5,549.00 (+3.06%)$390,185 (+3%)$828,497 (+68.17%) Building $828,497
2022$5,384.00$378,820$492,660 Building $492,660

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
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

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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