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3285 Mariners Way, Vero Beach, FL 32963 Property Records

Indian River County property record for 3285 Mariners Way, Vero Beach, FL 32963

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 3,059 sqft · built 2003
Lot Size0.569 acres (24,829 sqft)
Owner2 Individual Names on Record
Last Sale$95,000 (Nov 2001)
Tax Bill$6,466 (2025)
Deeds & MortgagesDec 2022 Line of Credit
Flood ZoneZone X (moderate risk)
APN31-39-10-00001-0000-00016.0

Property Details

APN / Parcel Number

Primary APN31-39-10-00001-0000-00016.0
Alternative APN
  • 32399

Interior

Bedrooms4 Beds
Full Baths4 Baths
Plumbing Fixtures13 Plumbing Fixtures
Total Rooms7 Rooms
Stories1 Story
Building Area3,059 sqft Living Area
1st Floor Area2,033 sqft
2nd Floor Area1,026 sqft
Interior WallsWallboard/Drywall
Fireplace2 Story

Exterior

Year BuiltBuilt 2003
Exterior MaterialStucco
Construction TypeConcrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeHip
Roof MaterialMetal
Lot Area24,829 sqft (0.569 acres)
Lot Dimensions225 ft deep x 110 ft wide
Garage Area806 sqft

Exterior Amenities

Pool Area280 sqft
PorchOpen Porch
Porch Area497 sqft
Patio Area1,015 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number32399
Street Address3285 MARINERS WAY
CityVERO BEACH
StateFL
Zip32963-9440
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS-3
Legal DescriptionTURTLE COVE SUBDIVISION LOT 16 PBI 10-86
Legal Range39
Legal Township31
Legal Section10
Legal SubdivisionTURTLE COVE SUB
Legal Lot Number16
JurisdictionINDIAN RIVER FL
Township / Civil DivisionVERO BEACH
Census Block Group3
Census Block3017
Census Tract50506

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 Record2 Individual Names on Record
Mailing Address3285 MARINERS WAY, VERO BEACH, FL 32963-9440
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 1, 2001 · Amount on Record
Deed SaleNov 1, 2001 · Amount on Record
Deed Document Number0014432417
Record UpdatedJun 8, 2026

December 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionINDIAN RIVER FL
Property Address3285 MARINERS WAY, VERO BEACH, FL 32963-9440
Transaction TypeMortgage
Record UpdatedDec 23, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3285 MARINERS WAY, VERO BEACH, FL 32963-9440

Mortgage

Document Number0035881920
DateDec 12, 2022
Book Page3588/1920
Instrument3120220071242
Lender
NamePNC BANK NA
TypeBank
AddressWILMINGTON, DE 19801
Agreement
TypeLine of Credit
AmountAmount Recorded
Term480 Months
DueDec 10, 2062
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,466.00 (+11.25%)$469,564 (+5.99%)$928,138 (+22.85%) Land $378,675 Building $549,463
2023$5,812.00 (+2.72%)$443,039 (+3%)$755,492 (+14.75%) Land $199,856 Building $555,636
2022$5,658.00$430,135$658,402 Land $199,856 Building $458,546

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
moderate risk
500-Year FloodplainYes
0.2% annual chance
CoastalYes
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 329 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies434 units insured
incl. 105 condo units
Nearby Flood Claims8 (2004–2024)
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Matthew, Oct 2016 · 2 claims
  • Hurricane Frances, Sep 2004 · 3 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 RiskModerate
above 51% of the US · lower than 78% of Florida
Wildfire Likelihood0.08% annual chance
ExposureDirect
burnable vegetation

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 SystemINDIAN RIVER COUNTY UTILITIES (2 WTPS)
serves 126,893 people · EPA ID FL3314052
Water SourceGroundwater
Last State InspectionJun 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting14
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 20 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250

May also be available: Hotwire Communications.

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