355 Eugenia Rd, Vero Beach, FL 32963 Property Records

Indian River County property record for 355 Eugenia Rd, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,350 sqft · built 1976
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Tax Bill	$13,870 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jan 2017 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`32-40-31-00007-0140-00012.0`

Property Details

APN / Parcel Number

Primary APN	`32-40-31-00007-0140-00012.0`
Alternative APN	`58056`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,350 sqft Living Area
1st Floor Area	2,350 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2010
Exterior Material	Fiber Cement Siding
Construction Type	Wood Frame
Foundation Type	Retaining Wall
Roof Type	Shed Roof
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	120 ft deep x 85 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	200 sqft
Driveway	Driveway
Driveway Area	600 sqft
Porch	Open Porch
Porch Area	257 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	58056
Street Address	355 EUGENIA RD
City	VERO BEACH
State	FL
Zip	32963-1544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	VEROMAR PLAT 1 PBI 1-88 BLK 14 LOT 12 AND E 35 FT OF LOT 13
Legal Range	40
Legal Township	32
Legal Section	31
Legal Subdivision	VEROMAR
Legal Block	14
Legal Lot Number	12-13
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1024
Census Tract	50505

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 Record	2 Individual Names on Record
Mailing Address	355 EUGENIA RD, VERO BEACH, FL 32963-1544
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC UNION BANK
Jan 12, 2017	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Jul 1, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Jul 1, 2020	Warranty Deed, Transfer NEILL A & LINDA P CURRIE
Apr 28, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Mar 2, 2020	Warranty Deed, Transfer TREASURE COAST TITLE SETTLEMEN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2020
Deed Sale	Jul 1, 2020
Prior Sale	Jul 1, 2020
Deed Document Number	0000331549
Deed Book / Page	3315 / 49
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	355 EUGENIA RD, VERO BEACH, FL 32963-1544
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	355 EUGENIA RD, VERO BEACH, FL 32963-1544

Mortgage

Document Number	0038342081
Date	Jan 30, 2026
Book Page	3834/2081
Instrument	3120260004429

Lender

Name	ATLANTIC UNION BANK
Type	Bank
Address	RESTON, VA 20191

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	355 EUGENIA RD, VERO BEACH, FL 32963-1544
Transaction Type	Mortgage
Record Updated	Dec 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029940771
Date	Jan 12, 2017
Book Page	2994/0771
Instrument	3120170002036

Lender

Name	TD BANK NA
Type	Bank
Address	PORTLAND, ME 04101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 13, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jul 1, 2020
Property Address	355 EUGENIA RD, VERO BEACH, FL 32963-1544
Document Number	0033150049
Book / Page	003315 / 000049
Instrument Date	Jul 1, 2020
Instrument	37102
Transaction Type	Transfer
Record Updated	Jul 9, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	500 BAY DR VERO BEACH FL 329632107, VERO BEACH, FL 32963-2107

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jul 1, 2020
Property Address	355 EUGENIA RD, VERO BEACH, FL 32963-1544
Document Number	0033150051
Book / Page	003315 / 000051
Instrument Date	Jul 1, 2020
Instrument	37103
Transaction Type	Transfer
Record Updated	Jul 9, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,627.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	355 EUGENIA RD VERO BEACH FL 329631544, VERO BEACH, FL 32963-1544

Mortgage

Document Number	33150053
Date	Jul 1, 2020
Book Page	003315/000053
Instrument	37104

Lender

Name	NEILL A & LINDA P CURRIE
Address	500 BAY DR, VERO BEACH, FL 32963-2107
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jun 30, 2025

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Apr 28, 2020
Property Address	355 EUGENIA RD, VERO BEACH, FL 32963-1544
Document Number	0032960700
Book / Page	003296 / 000700
Instrument Date	Apr 27, 2020
Instrument	23683
Transaction Type	Transfer
Record Updated	May 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$4,200.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	500 BAY DR VERO BEACH FL 329632107, VERO BEACH, FL 32963-2107

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Mar 2, 2020
Property Address	355 EUGENIA RD, VERO BEACH, FL 32963-1544
Document Number	0032810340
Book / Page	003281 / 000340
Instrument Date	Feb 18, 2020
Instrument	12536
Transaction Type	Transfer
Record Updated	Apr 29, 2020
Title Company	TREASURE COAST TITLE SETTLEMEN

Transaction

Amount	Amount Recorded
Tax	$4,200.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	625 IRIS LN VERO BEACH FL 329631859, VERO BEACH, FL 32963-1859

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Indian River County
Municipality	Vero Beach City
Unified School District	Indian River County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$13,870.00 (+10.17%)	$903,307 (+6.83%)	$987,372 (+16.77%) Land $475,405 Building $511,967
2023	$12,590.00 (+29.04%)	$845,589 (+30.85%) Land $475,405 Building $370,184	$845,589 (+30.85%) Land $475,405 Building $370,184
2022	$9,757.00	$646,240 Land $339,575 Building $306,665	$646,240 Land $339,575 Building $306,665

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 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 Record median of 200 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	603 units insured incl. 403 condo units
Nearby Flood Claims	76 (1984–2024)
Claims Outside the SFHA	41 of 76
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims Hurricane Matthew, Oct 2016 · 2 claims Hurricane Frances, Sep 2004 · 53 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	Low lower than 97% of the US · lower than 96% 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 127 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

355 Eugenia Rd, Vero Beach, FL 32963 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2026: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

July 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

July 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

March 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Eugenia Rd

Nearby Streets

Search Property Records by Address or Parcel Number