3645 3rd St, Vero Beach, FL 32968 Property Records

Indian River County property record for 3645 3rd St, Vero Beach, FL 32968

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,745 sqft · built 1974
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Nov 2018)
Tax Bill	$4,032 (2025)
Deeds & Mortgages	Aug 2023 Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-39-15-00006-0003-00001.0`

Property Details

APN / Parcel Number

Primary APN	`33-39-15-00006-0003-00001.0`
Alternative APN	`79563`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,745 sqft Living Area
Gross Area	2,186 sqft
1st Floor Area	1,745 sqft
Flooring	Carpet
Interior Walls	Unfinished

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1998
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
View / Lot	Interior
Garage Type	Attached
Garage Area	441 sqft
Driveway	Concrete Driveway
Driveway Area	900 sqft

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	395 sqft
Patio Area	478 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3645 3RD ST
City	VERO BEACH
State	FL
Zip	32968-1904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	CLEMANN ESTATES UNIT NO 2 BLK C LOTS 1 & 2 PBI 3-66
Legal Range	39E
Legal Township	33S
Legal Section	15
Legal Subdivision	CLEMANN ESTATES UNIT NO 2
Legal Block	C
Legal Lot Number	1,2
Legal Unit	NO
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	3
Census Block	3007
Census Tract	50706

Owner

3645 3rd St is owned and occupied by two individuals who acquired it in May 2022.

Source: Indian River County records, as of June 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3645 3RD ST, VERO BEACH, FL 32968-1904
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
Aug 7, 2023	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
May 24, 2022	Intrafamily Transfer, Transfer · FHA Mortgage UNITED MORTGAGE CORP
Nov 1, 2018	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2018 · Amount on File
Deed Sale	Nov 1, 2018 · Amount on File
Deed Document Number	201866400
Deed Book / Page	3160 / 757
Last Transfer Date	May 18, 2022
Transfer Doc	0035430437
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	3645 3RD ST, VERO BEACH, FL 32968-1904
Transaction Type	Mortgage
Record Updated	Aug 29, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3645 3RD ST, VERO BEACH, FL 32968-1904

Mortgage

Document Number	0036411861
Date	Aug 7, 2023
Book Page	3641/1861
Instrument	3120230039955

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	346 Months
Due	Jun 1, 2052

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	INDIAN RIVER FL
Recording Date	May 24, 2022
Property Address	3645 3RD ST, VERO BEACH, FL 32968-1904
Document Number	0035430437
Book / Page	3543 / 437
Map Reference	MB 3 PG 66
Instrument Date	May 18, 2022
Instrument	3120220033441
Transaction Type	Transfer
Record Updated	Jun 6, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3645 3RD ST, 3645, VERO BEACH, FL 32968-1904

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3645 3RD ST, VERO BEACH, FL 32968-1904

Mortgage

Document Number	0003543440
Date	May 24, 2022
Instrument	3543/440

Lender

Name	UNITED MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Nov 1, 2018
Property Address	3645 3RD ST, VERO BEACH, FL 32968-1904
Document Number	0031600757
Book / Page	3160 / 0757
Map Reference	MB3 PG66&67
Instrument Date	Oct 25, 2018
Instrument	3120180066400
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	RIOMAR TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 JERRY RD, 100, EDGEFIELD, SC 29824-3959

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3645 3RD ST, VERO BEACH, FL 32968-1904

Mortgage

Document Number	3120180066401
Date	Nov 1, 2018
Instrument	3120180066401

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3645 3rd St was $4,032 with a homeowner's exemption.

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	$4,032.00 Homeowner's exemption	$298,159	$393,192 Land $38,675 Building $354,517
2023	$3,540.00 (+2.67%)	$281,317 (+3%)	$385,133 (+16.66%) Land $38,675 Building $346,458
2022	$3,448.00	$273,123	$330,125 Land $38,675 Building $291,450

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

Flood

FEMA maps place 3645 3rd St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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
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

Wildfire risk around 3645 3rd St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.04% 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 279 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications.

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