3115 Ocean Dr, Vero Beach, FL 32963 Property Records

Indian River County property record for 3115 Ocean Dr, Vero Beach, FL 32963

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	7,815 sqft · built 1956
Lot Size	0.28 acres (12,197 sqft)
Owner	Owner Name on Record
Last Sale	$3,200,000 (May 2012)
Tax Bill	$24,445 (2025)
Deeds & Mortgages	May 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`32-40-32-00006-0030-00051.1`

Property Details

APN / Parcel Number

Primary APN	`32-40-32-00006-0030-00051.1`
Alternative APN	`58716`

Interior

Stories	1 Story
Building Area	7,815 sqft Total Area
1st Floor Area	7,815 sqft
Flooring	Terrazzo

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1995
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	110 ft deep x 112 ft wide
Canopy	1,268 sqft
Storage Building	20 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	58716
Street Address	3115 OCEAN DR
City	VERO BEACH
State	FL
Zip	32963-1955
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	C-1A
Legal Description	VERO BEACH ESTATES BLK 3 N 17FT LOT 51 & S 87FT LOT 52PBS 5-8
Legal Range	40
Legal Township	32
Legal Section	32
Legal Subdivision	VERO BEACH ESTATES
Legal Block	3
Legal Lot Number	51,52P
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1031
Census Tract	50504

Owner

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

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

Owner of Record	Owner Name on Record
Mailing Address	411 W UNIVERSITY AVE, CHAMPAIGN, IL 61820-3914

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2012 · Amount on Record
Deed Sale	May 23, 2012 · Amount on Record
Deed Document Number	2213006
Deed Book / Page	2577 / 1711
Record Updated	Jun 8, 2026

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	INDIAN RIVER FL
Property Address	3115 OCEAN DR, VERO BEACH, FL 32963-1955
Document Number	0032201242
Instrument Date	May 23, 2019
Transaction Type	Mortgage
Record Updated	Jul 12, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3115 OCEAN DR VERO BEACH FL 329631955, VERO BEACH, FL 32963-1955

Mortgage

Document Number	0032201242
Date	Jul 5, 2019
Book Page	003220/001242
Instrument	39651

Lender

Name	BUSEY BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jul 4, 2024

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	$24,445.00 (+4.87%)	$1,351,469 (-0.24%) Land $420,376 Building $931,093	$1,351,469 (-0.24%) Land $420,376 Building $931,093
2023	$23,309.00 (-0.5%)	$1,354,714 (-0.72%) Land $420,376 Building $934,338	$1,354,714 (-0.72%) Land $420,376 Building $934,338
2022	$23,425.00	$1,364,568 Land $420,376 Building $944,192	$1,364,568 Land $420,376 Building $944,192

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 433 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	622 units insured incl. 189 condo units
Nearby Flood Claims	129 (1979–2024)
Claims Outside the SFHA	59 of 129
Most Recent Claim	Oct 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 Risk	Not 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 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 255 locations within half a mile, as of December 31, 2025

Provider	Max 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