320 Legend Trl, Vero Beach, FL 32963 Property Records

Indian River County property record for 320 Legend Trl, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,570 sqft · built 1988
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Jun 2019)
Tax Bill	$5,691 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Sep 2019 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`31-39-35-00002-0000-00065.0`

Property Details

APN / Parcel Number

Primary APN	`31-39-35-00002-0000-00065.0`
Alternative APN	`40289`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,570 sqft Living Area
1st Floor Area	2,570 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Exterior Material	Fiber Cement Siding
Construction Type	Wood Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gambrel
Roof Material	Wood Shingle
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	120 ft deep x 120 ft wide
Garage Area	598 sqft
Driveway	Driveway
Driveway Area	1,623 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	533 sqft
Patio Area	805 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	40289
Street Address	320 LEGEND TRL
City	VERO BEACH
State	FL
Zip	32963-3926
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	INDIAN TRAILS SUBDIVISION LOT 65 PBI 12-3
Legal Range	39
Legal Township	31
Legal Section	35
Legal Subdivision	INDIAN TRAILS SUB
Legal Lot Number	65
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	2
Census Block	2002
Census Tract	50506

Owner

320 Legend Trl is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	320 LEGEND TRL, VERO BEACH, FL 32963-3926
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2021	Deed of Trust, Mortgage · VA Mortgage PRESIDENTIAL BANK FSB
Sep 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage PRESIDENTIAL BANK FSB
Mar 11, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 28, 2019	Warranty Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2019 · Amount on File
Deed Sale	Jun 24, 2019 · Amount on File
Prior Sale	Jan 28, 2019 · Amount on File
Deed Document Number	3120190037428
Deed Book / Page	3217 / 1411
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	320 LEGEND TRL, VERO BEACH, FL 32963-3926
Transaction Type	Mortgage
Record Updated	Jan 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 LEGEND TRL, VERO BEACH, FL 32963-3926

Mortgage

Document Number	0034820529
Date	Nov 9, 2021
Book Page	3482/529
Instrument	3120210078131

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank
Address	BETHESDA, MD 20814

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	320 LEGEND TRL, INDIAN RIVER SHORES, FL 32963-3926
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032350964
Date	Sep 5, 2019
Book Page	3235/0964
Instrument	3120190051826

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank
Address	BETHESDA, MD 20814

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Mar 11, 2020
Property Address	320 LEGEND TRL, INDIAN RIVER SHORES, FL 32963-3926
Document Number	0032841138
Book / Page	003284 / 001138
Instrument Date	Mar 6, 2020
Instrument	15059
Transaction Type	Transfer
Record Updated	Apr 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 LEGEND TRL VERO BEACH FL 329633926, VERO BEACH, FL 32963-3926

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jan 28, 2019
Property Address	320 LEGEND TRL, INDIAN RIVER SHORES, FL 32963-3926
Document Number	0031792325
Book / Page	3179 / 2325
Map Reference	MB 12 PG 3
Instrument Date	Jan 16, 2019
Instrument	3120190005377
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	ELITE TITLE OF THE TREASURE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,342.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1841 NORTHBRIDGE LN, ANNAPOLIS, MD 21401-6576

Mortgage

Document Number	3120190005380
Date	Jan 28, 2019
Instrument	3120190005380

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 320 Legend Trl was $5,691.

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

Property Jurisdictions

Type	Name
State	Florida
County	Indian River County
Municipality	Indian River Shores Town
Unified School District	Indian River County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,691.00	$492,742	$799,952 Land $361,986 Building $437,966
2023	$5,100.00 (+1.57%)	$464,908 (+3%)	$724,233 (+15.55%) Land $310,274 Building $413,959
2022	$5,021.00	$451,367	$626,762 Land $310,274 Building $316,488

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

Flood

FEMA maps place 320 Legend Trl in Zone X, an area of moderate flood risk.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 580 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	949 units insured incl. 369 condo units

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 320 Legend Trl is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Legend Trl

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