3315 Mariners Way, Vero Beach, FL 32963 Property Records

Indian River County property record for 3315 Mariners Way, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,960 sqft · built 1999
Lot Size	0.589 acres (25,700 sqft)
Owner	2 Individual Names on File
Last Sale	$811,000 (Sep 2019)
Tax Bill	$14,347 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Sep 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`31-39-10-00001-0000-00015.0`

Property Details

APN / Parcel Number

Primary APN	`31-39-10-00001-0000-00015.0`
Alternative APN	`32398`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,960 sqft Living Area
1st Floor Area	2,059 sqft
2nd Floor Area	1,294 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Exterior Material	Concrete Block/Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gambrel
Roof Material	Metal
Lot Area	25,700 sqft (0.589 acres)
Lot Dimensions	225 ft deep x 115 ft wide
Garage Area	700 sqft
Driveway	Driveway
Driveway Area	3,240 sqft

Exterior Amenities

Pool Area	336 sqft
Porch	Open Porch
Porch Area	725 sqft
Patio Area	684 sqft
Fence	Fence
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	32398
Street Address	3315 MARINERS WAY
City	VERO BEACH
State	FL
Zip	32963-9438
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	TURTLE COVE SUBDIVISION LOT 15 PBI 10-86
Legal Range	39
Legal Township	31
Legal Section	10
Legal Subdivision	TURTLE COVE SUB
Legal Lot Number	15
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	3
Census Block	3017
Census Tract	50506

Owner

3315 Mariners Way is owned and occupied by two individuals who bought it in September 2019.

Source: Indian River County records, as of March 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3315 MARINERS WAY, VERO BEACH, FL 32963-9438
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
Jan 29, 2026	Deed of Trust, Mortgage · Line of Credit SPACE COAST CU
Sep 5, 2019	Warranty Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2019 · Amount on File
Deed Sale	Sep 5, 2019 · Amount on File
Prior Sale	Aug 15, 1996 · Amount on File
Deed Document Number	3120190051972
Deed Book / Page	3235 / 1431
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	3315 MARINERS WAY, VERO BEACH, FL 32963-9438
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3315 MARINERS WAY, VERO BEACH, FL 32963-9438

Mortgage

Document Number	0038341487
Date	Jan 29, 2026
Book Page	3834/1487
Instrument	3120260004311

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	168 Months
Due	Jan 28, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Sep 5, 2019
Property Address	3315 MARINERS WAY, VERO BEACH, FL 32963-9438
Document Number	0032351431
Book / Page	003235 / 001431
Instrument Date	Aug 30, 2019
Instrument	51972
Transaction Type	Transfer
Record Updated	Sep 17, 2019
Title Company	ALLIANCE TITLE/THE TREASURE COMPANY, ALLIANCE TITLE/THE TREASURE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,677.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3315 MARINERS WAY VERO BEACH FL 329639438, VERO BEACH, FL 32963-9438

Mortgage

Document Number	32351432
Date	Sep 5, 2019
Book Page	003235/001432
Instrument	51973

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 4, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3315 Mariners Way was $14,347.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,347.00	$998,377	$1,078,931 Land $395,888 Building $683,043
2023	$12,562.00 (+11.5%)	$899,769 (+15.59%) Land $208,941 Building $690,828	$899,769 (+15.59%) Land $208,941 Building $690,828
2022	$11,266.00	$778,446 Land $208,941 Building $569,505	$778,446 Land $208,941 Building $569,505

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

Flood

FEMA maps place 3315 Mariners Way in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 329 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	434 units insured incl. 105 condo units
Nearby Flood Claims	8 (2004–2024)
Most Recent Claim	Oct 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

Wildfire risk around 3315 Mariners Way is moderate, ranking above 51% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

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

May also be available: Hotwire Communications.

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