40 Beachside Dr, Apt 202, Vero Beach, FL 32963 Property Records

Indian River County property record for 40 Beachside Dr, Apt 202, Vero Beach, FL 32963

Property Summary

Property Type	Condominium
Details	3 bd · 4 ba · 3,810 sqft · built 2001
Lot Size	3.45 acres (150,679 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,200,000 (May 2018)
Tax Bill	$34,931 (2025)
Deeds & Mortgages	Oct 2024 Mortgage Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-39-23-00023-0400-00202.0`

Property Details

APN / Parcel Number

Primary APN	`31-39-23-00023-0400-00202.0`
Alternative APN	`37351`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Units	7 Units
Stories	1 Story
Building Area	3,810 sqft Living Area
1st Floor Area	3,810 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Condo/Apartment
Lot Area	150,679 sqft (3.45 acres)
Garage Type	Attached

Location & Zoning

Street Address	40 BEACHSIDE DR, 202
City	VERO BEACH
State	FL
Zip	32963-9581
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	OCEAN RESIDENCES AT ORCHID ISLAND CONDO BLDG 40 UNIT 202 OR BK 1431 PP 1525
Legal Range	39E
Legal Township	31S
Legal Section	23
Legal Subdivision	OCEAN RESIDENCES AT ORCHID ISLAND CONDO
Legal Unit	202
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	3
Census Block	3024
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	40 BEACHSIDE DR, 202, VERO BEACH, FL 32963-9581
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2024	Deed of Trust, Mortgage · Conventional Mortgage GOLDMAN SACHS BANK USA
Apr 29, 2019	Deed of Trust, Mortgage · ARM GOLDMAN SACHS BANK USA
May 3, 2018	Warranty Deed, Transfer · ARM GOLDMAN SACHS BANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2018 · Amount on Record
Deed Sale	May 3, 2018 · Amount on Record
Prior Sale	May 4, 2010 · Amount on Record
Deed Document Number	201827052
Deed Book / Page	3113 / 1233
Prior Transfer Date	Aug 6, 2013
Prior Transfer Doc	0027250999
Record Updated	Jun 8, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	40 BEACHSIDE DR APT 202, 202, VERO BEACH, FL 32963-9581
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 BEACHSIDE DR 202, 202, VERO BEACH, FL 32963-9581

Mortgage

Document Number	0037340708
Date	Oct 31, 2024
Book Page	3734/708
Instrument	3120240052207

Lender

Name	GOLDMAN SACHS BANK USA
Type	Bank
Address	NEW YORK, NY 10282

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.7%
Type Change Date	Nov 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.7%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.7%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	40 BEACHSIDE DR APT 202, 202, VERO BEACH, FL 32963-9581
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032021472
Date	Apr 29, 2019
Book Page	3202/1472
Instrument	3120190024872

Lender

Name	GOLDMAN SACHS BANK USA
Type	Bank
Address	NEW YORK, NY 10282

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.1%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.1%
Index	1-Year LIBOR
Max Rate	9.1%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	May 3, 2018
Property Address	40 BEACHSIDE DR APT 202, 202, VERO BEACH, FL 32963-9581
Document Number	0031131233
Book / Page	3113 / 1233
Map Reference	MB1431 PG1525
Instrument Date	Apr 30, 2018
Instrument	3120180027052
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	108 E ELM ST, 108, GREENWICH, CT 06830-6639

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 BEACHSLDE DR 202, 202, VERO BEACH, FL 32963-9581

Mortgage

Document Number	3120180027053
Date	May 3, 2018
Instrument	3120180027053

Lender

Name	GOLDMAN SACHS BANK USA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	May 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

Tax Assessment & Valuation

Source: Indian River County assessment roll, as of December 8, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$34,931.00 (+12.11%)	$2,545,365 (+4%) Building $2,545,365	$2,545,365 (+4%) Building $2,545,365
2023	$31,159.00 (+16.7%)	$2,447,466 (+29.36%) Building $2,447,466	$2,447,466 (+29.36%) Building $2,447,466
2022	$26,699.00	$1,891,980 Building $1,891,980	$1,891,980 Building $1,891,980

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 VE, 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	Not rated no burnable land within 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	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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hotwire Communications Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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