3390 Mariners Way, Vero Beach, FL 32963 Property Records

Indian River County property record for 3390 Mariners Way, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,502 sqft · built 1992
Lot Size	0.59 acres (25,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$555,000 (Dec 2019)
Tax Bill	$9,012 (2025)
Deeds & Mortgages	May 2020 Line of Credit Dec 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`31-39-10-00001-0000-00007.0`

Property Details

APN / Parcel Number

Primary APN	`31-39-10-00001-0000-00007.0`
Alternative APN	`32390`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,502 sqft Living Area
Gross Area	3,031 sqft
1st Floor Area	2,502 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2000
Exterior Material	Wood
Construction Type	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	25,700 sqft (0.59 acres)
Lot Dimensions	225 ft deep x 115 ft wide
View / Lot	Interior
Garage Type	Attached
Garage Area	529 sqft
Driveway	Concrete Driveway
Driveway Area	1,260 sqft

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	597 sqft
Patio Area	1,030 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3390 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 7 PBI 10-86
Legal Range	39E
Legal Township	31S
Legal Section	10
Legal Subdivision	TURTLE COVE SUB
Legal Lot Number	7
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	3
Census Block	3017
Census Tract	50506

Owner

Source: Indian River County records, as of December 8, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	3390 MARINERS WAY, VERO BEACH, FL 32963-9438
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
May 14, 2020	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Dec 2, 2019	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Jul 20, 2018	Trustee's Deed, Construction Loan · Construction Mortgage FINANCE OF AMERICA COM'L LLC
Apr 9, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2019 · Amount on Record
Deed Sale	Dec 2, 2019 · Amount on Record
Prior Sale	Apr 9, 2018 · Amount on Record
Deed Document Number	201970027
Deed Book / Page	3258 / 1188
Prior Transfer Date	Jun 10, 1997
Prior Transfer Doc	1160002835
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	3390 MARINERS WAY, VERO BEACH, FL 32963-9438
Document Number	0033050377
Instrument Date	May 14, 2020
Transaction Type	Mortgage
Record Updated	Jun 16, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3390 MARINERS WAY VERO BEACH FL 329639438, VERO BEACH, FL 32963-9438

Mortgage

Document Number	0033050377
Date	Jun 2, 2020
Book Page	003305/000377
Instrument	30167

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jun 1, 2060

Interest

Rate Type	Adjustable Rate

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Dec 2, 2019
Property Address	3390 MARINERS WAY, VERO BEACH, FL 32963-9438
Document Number	0032581188
Book / Page	003258 / 001188
Instrument Date	Nov 25, 2019
Instrument	70027
Transaction Type	Transfer
Record Updated	Jan 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,885.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	873 W COY DR FLAGSTAFF AZ 860058941, FLAGSTAFF, AZ 86005-8941

Mortgage

Document Number	32581190
Date	Dec 2, 2019
Book Page	003258/001190
Instrument	70028

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

July 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jul 20, 2018
Property Address	3390 MARINERS WAY, VERO BEACH, FL 32963-9438
Document Number	0031341206
Book / Page	003134 / 001206
Instrument Date	Jul 13, 2018
Instrument	44653
Transaction Type	Construction Loan
Record Updated	Aug 2, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5644 CORPORATE WAY WEST PALM BEACH FL 334072002, WEST PALM BEACH, FL 33407-2002
Investor	Possibly a Property Investor

Mortgage

Document Number	31341206
Date	Jul 20, 2018
Book Page	003134/001206
Instrument	44653

Lender

Name	FINANCE OF AMERICA COM'L LLC
Address	CHARLOTTE, NC 28210

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 19, 2019

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Apr 9, 2018
Property Address	3390 MARINERS WAY, VERO BEACH, FL 32963-9438
Document Number	0031060989
Book / Page	003106 / 000989
Instrument Date	Apr 6, 2018
Instrument	21118
Transaction Type	Transfer
Record Updated	Apr 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,045.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5644 CORPORATE WAY WEST PALM BEACH FL 334072002, WEST PALM BEACH, FL 33407-2002
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Indian River County assessment roll, as of December 8, 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	$9,012.00 (+10.12%) Homeowner's exemption	$648,790 (+5.99%)	$898,801 (+25.28%) Land $396,301 Building $502,500
2023	$8,184.00 (+2.63%)	$612,141 (+3%)	$717,441 (+13.32%) Land $209,159 Building $508,282
2022	$7,974.00	$594,312	$633,100 Land $209,159 Building $423,941

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 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 Record 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

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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