Indian River County property record for 3445 1st Rd, Vero Beach, FL 32968
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,500 sqft · built 1977 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Last Sale | $195,900 (Dec 2017) |
| Tax Bill | $2,329 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage Oct 2020 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-39-15-00009-0001-00025.0 |
| Primary APN | 33-39-15-00009-0001-00025.0 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,500 sqft Living Area |
| Gross Area | 1,740 sqft |
| 1st Floor Area | 1,500 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 120 ft deep x 180 ft wide |
| View / Lot | Interior |
| Garage Type | Detached |
| Garage Area | 728 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 900 sqft |
| Porch | Screened Porch |
| Porch Area | 240 sqft |
| Utility Building | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3445 1ST RD |
|---|---|
| City | VERO BEACH |
| State | FL |
| Zip | 32968-2531 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-6 |
| Legal Description | VERO BEACH HOMESITES UNIT NO 1 BLK A LOTS 25,26 & 27 PBI 3-33 |
| Legal Range | 39E |
| Legal Township | 33S |
| Legal Section | 15 |
| Legal Subdivision | VERO BEACH HOMESITES UNIT NO 1 |
| Legal Block | A |
| Legal Lot Number | 25-27 |
| Legal Unit | NO |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 50706 |
3445 1st Rd is owned and occupied by an individual who acquired it in October 2020.
Source: Indian River County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3445 1ST RD, VERO BEACH, FL 32968-2531 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 20, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA |
| Oct 29, 2020 | Quit Claim Deed NOT AVAILABLE |
| Jun 5, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Dec 21, 2017 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 21, 2017 · Amount on File |
| Deed Sale | Dec 21, 2017 · Amount on File |
| Deed Document Number | 201773692 |
| Deed Book / Page | 3079 / 2363 |
| Last Transfer Date | Oct 29, 2020 |
| Transfer Doc | 0033521053 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 3445 1ST RD, VERO BEACH, FL 32968-2531 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030640801 |
|---|---|
| Date | Oct 20, 2017 |
| Book Page | 3064/0801 |
| Instrument | 3120170060377 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2032 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Oct 29, 2020 |
| Property Address | 3445 1ST RD, VERO BEACH, FL 32968-2531 |
| Document Number | 0033521053 |
| Book / Page | 003352 / 001053 |
| Instrument Date | Oct 29, 2020 |
| Instrument | 65371 |
| Record Updated | Nov 13, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3445 1ST RD VERO BEACH FL 329682531, VERO BEACH, FL 32968-2531 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Jun 5, 2019 |
| Property Address | 3445 1ST RD, VERO BEACH, FL 32968-2531 |
| Document Number | 0032122357 |
| Book / Page | 003212 / 002357 |
| Instrument Date | Jun 5, 2019 |
| Instrument | 33408 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3445 1ST RD VERO BEACH FL 329682531, VERO BEACH, FL 32968-2531 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Dec 21, 2017 |
| Property Address | 3445 1ST RD, VERO BEACH, FL 32968-2531 |
| Document Number | 0030792363 |
| Book / Page | 003079 / 002363 |
| Instrument Date | Dec 13, 2017 |
| Instrument | 73692 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2018 |
| Title Company | TREASURE COAST TITLE AGENCY/VERO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,371.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3445 1ST RD VERO BEACH FL 329682531, VERO BEACH, FL 32968-2531 |
| Document Number | 30792365 |
|---|---|
| Date | Dec 21, 2017 |
| Book Page | 003079/002365 |
| Instrument | 73693 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 20, 2047 |
The 2025 property tax bill for 3445 1st Rd was $2,329 with a homeowner's exemption.
Source: Indian River County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Unified School District | Indian River County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,329.00 Homeowner's exemption | $176,952 | $369,987 Land $103,275 Building $266,712 |
| 2023 | $1,948.00 (+3.07%) | $166,956 (+3%) | $339,330 (+14.37%) Land $76,500 Building $262,830 |
| 2022 | $1,890.00 | $162,093 | $296,685 Land $76,500 Building $220,185 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3445 1st Rd in Zone X, an area of minimal flood risk, within 500 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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 39 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 2017 · rainfall accumulation |
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 risk around 3445 1st Rd 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 338 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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