Indian River County property record for 286 23rd Ave, Vero Beach, FL 32962
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,334 sqft · built 1978 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $136,000 (Mar 2015) |
| Tax Bill | $1,641 (2025) |
| Deeds & Mortgages | Apr 2021 Line of Credit Jul 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-39-14-00013-0001-00026.0 |
| Primary APN | 33-39-14-00013-0001-00026.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,334 sqft Living Area |
| 1st Floor Area | 1,334 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Wood Frame |
| Foundation Type | Retaining Wall |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,583 sqft (0.219 acres) |
| Lot Dimensions | 131 ft deep x 73 ft wide |
| Garage Area | 630 sqft |
| Driveway | Driveway |
| Driveway Area | 270 sqft |
| Porch | Open Porch |
| Porch Area | 400 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 78391 |
|---|---|
| Street Address | 286 23RD AVE |
| City | VERO BEACH |
| State | FL |
| Zip | 32962-2604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-6 |
| Legal Description | INDIAN RIVER HEIGHTS UNIT 5 BLK A LOT 26 PBI 7-8 |
| Legal Range | 39 |
| Legal Township | 33 |
| Legal Section | 14 |
| Legal Subdivision | INDIAN RIVER HEIGHTS UNIT 5 |
| Legal Block | A |
| Legal Lot Number | 26 |
| Legal Unit | 5 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 50603 |
286 23rd Ave is owned and occupied by two individuals who bought it in March 2015.
Source: Indian River County records, as of March 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 286 23RD AVE, VERO BEACH, FL 32962-2604 |
| 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.
| Date | Document |
|---|---|
| Apr 30, 2021 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jul 16, 2019 | Deed of Trust, Mortgage PNC BANK NA |
| Mar 20, 2017 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jun 27, 2019 | Deed of Trust, Mortgage · Line of Credit PNC BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2015 · Amount on File |
| Deed Sale | Mar 4, 2015 · Amount on File |
| Prior Sale | Apr 24, 2003 · Amount on File |
| Deed Document Number | 3120150012954 |
| Deed Book / Page | 2827 / 1361 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 286 23RD AVE, VERO BEACH, FL 32962-2604 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Name | Verified Name |
|---|---|
| Address | 286 23RD AVE, VERO BEACH, FL 32962-2604 |
| Document Number | 0034160464 |
|---|---|
| Date | Apr 30, 2021 |
| Book Page | 3416/464 |
| Instrument | 3120210030699 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Apr 3, 2061 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 286 23RD AVE, VERO BEACH, FL 32962-2604 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0032230744 |
|---|---|
| Date | Jul 16, 2019 |
| Book Page | 3223/0744 |
| Instrument | 3120190041903 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | VERO BEACH, FL 32960 |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 286 23RD AVE, VERO BEACH, FL 32962-2604 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030081840 |
|---|---|
| Date | Mar 20, 2017 |
| Book Page | 3008/1840 |
| Instrument | 3120170014340 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | VERO BEACH, FL 32960 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Mar 8, 2057 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 286 23RD AVE, VERO BEACH, FL 32962-2604 |
| Document Number | 0003230744 |
| Instrument Date | Jun 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 286 23RD AVE VERO BEACH FL 329622604, VERO BEACH, FL 32962-2604 |
| Document Number | 0003230744 |
|---|---|
| Date | Jul 16, 2019 |
| Book Page | 000323/000744 |
| Instrument | 41903 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | VERO BEACH, FL 32960 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Jul 15, 2059 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 286 23rd Ave was $1,641.
Source: Indian River County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Unified School District | Indian River County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,641.00 | $128,001 | $273,157 Land $35,493 Building $237,664 |
| 2023 | $1,305.00 (+3.49%) | $120,770 (+3%) | $261,000 (+16.21%) Land $29,039 Building $231,961 |
| 2022 | $1,261.00 | $117,252 | $224,595 Land $29,039 Building $195,556 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 286 23rd Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2004.
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 File median of 31 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 31 in force |
| Nearby Flood Claims | 4 (2004–2006) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Jun 2006 · rainfall accumulation |
| Claims by Event |
|
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 risk around 286 23rd Ave is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | INDIAN RIVER COUNTY UTILITIES (2 WTPS) serves 126,893 people · EPA ID FL3314052 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 14 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.
Source: FCC Broadband Data Collection, based on 420 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures