Indian River County property record for 405 Eugenia Rd, Vero Beach, FL 32963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,930 sqft · built 1976 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $1,200,000 (Jul 2026) |
| Tax Bill | $12,290 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Sep 2025 Transfer + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 32-40-31-00007-0150-00024.0 |
| Primary APN | 32-40-31-00007-0150-00024.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,930 sqft Living Area |
| Gross Area | 2,434 sqft |
| 1st Floor Area | 1,930 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Dimensions | 120 ft deep x 125 ft wide |
| View / Lot | Interior |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Pool Area | 512 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 704 sqft |
| Patio Area | 928 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 405 EUGENIA RD |
|---|---|
| City | VERO BEACH |
| State | FL |
| Zip | 32963-1527 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A |
| Legal Description | VEROMAR PLAT 1 PBI 1-88 LOTS 24 AND 25 BLK 15 TOG WITH ADJ E 1/2 ABND PELICAN DR PER CITY OF VERO BEACH ORD 83-17 OR BK 672 PP 1775 |
| Legal Range | 40E |
| Legal Township | 32S |
| Legal Section | 31 |
| Legal Subdivision | VEROMAR |
| Legal Block | 15 |
| Legal Lot Number | 24,25 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 50505 |
Source: Indian River County records, as of July 24, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 405 EUGENIA RD, VERO BEACH, FL 32963-1527 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Living Trust |
| Date | Document |
|---|---|
| Jul 15, 2026 | Warranty Deed, Transfer HARBOR TITLE AND ESCROW, HARBOR TITLE & ESCROW |
| Sep 5, 2025 | Intrafamily Transfer, Transfer HARBOR TITLE AND ESCROW, HARBOR TITLE & ESCROW INC |
| Jul 1, 2022 | Deed of Trust, Mortgage · Line of Credit THE BANK OF TAMPA |
| Aug 16, 2019 | Warranty Deed, Transfer NOT AVAILABLE |
| Jul 26, 2019 | Warranty Deed, Transfer ELITE TITLE COMPANY INC, ELITE TITLE/TREASURE COAST INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2026 · Amount on Record |
| Deed Sale | Jul 15, 2026 · Amount on Record |
| Prior Sale | Jul 26, 2019 · Amount on Record |
| Deed Document Number | 202633836 |
| Deed Book / Page | 3874 / 2208 |
| Prior Transfer Date | Feb 13, 2025 |
| Prior Transfer Doc | 0037561723 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Jul 15, 2026 |
| Property Address | 405 EUGENIA RD, VERO BEACH, FL 32963-1527 |
| Document Number | 0000033836 |
| Book / Page | 3874 / 2208 |
| Instrument Date | Jul 15, 2026 |
| Instrument | 202633836 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2026 |
| Title Company | HARBOR TITLE AND ESCROW, HARBOR TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Tax | $848,400.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Living Trust |
| Address | 405 EUGENIA RD, VERO BEACH, FL 32963-1527 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Sep 5, 2025 |
| Property Address | 405 EUGENIA RD, VERO BEACH, FL 32963-1527 |
| Document Number | 0038021506 |
| Book / Page | 3802 / 1506 |
| Map Reference | MB 1 PG 88 |
| Instrument Date | Sep 5, 2025 |
| Instrument | 3120250044223 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2025 |
| Title Company | HARBOR TITLE AND ESCROW, HARBOR TITLE & ESCROW INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 405 EUGENIA RD, VERO BEACH, FL 32963-1527 |
| Name | Verified Name |
|---|---|
| Address | 405 EUGENIA RD, VERO BEACH, FL 32963-1527 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 405 EUGENIA RD, VERO BEACH, FL 32963-1527 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 405 EUGENIA RD, VERO BEACH, FL 32963-1527 |
| Document Number | 0035531227 |
|---|---|
| Date | Jul 1, 2022 |
| Book Page | 3553/1227 |
| Instrument | 3120220041942 |
| Name | THE BANK OF TAMPA |
|---|---|
| Type | Bank |
| Address | TAMPA, FL 33601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Aug 16, 2019 |
| Property Address | 405 EUGENIA RD, VERO BEACH, FL 32963-1527 |
| Document Number | 0032310178 |
| Book / Page | 003231 / 000178 |
| Instrument Date | Aug 16, 2019 |
| Instrument | 48526 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3116 W LAWN AVE TAMPA FL 336111927, TAMPA, FL 33611-1927 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Jul 26, 2019 |
| Property Address | 405 EUGENIA RD, VERO BEACH, FL 32963-1527 |
| Document Number | 0032252441 |
| Book / Page | 003225 / 002441 |
| Instrument Date | Jul 24, 2019 |
| Instrument | 44244 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2019 |
| Title Company | ELITE TITLE COMPANY INC, ELITE TITLE/TREASURE COAST INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,010.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3116 W LAWN AVE TAMPA FL 336111927, TAMPA, FL 33611-1927 |
Source: Indian River County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Municipality | Vero Beach City |
| Unified School District | Indian River County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,290.00 (+8.01%) | $1,051,400 (+4.23%) Land $699,125 Building $352,275 | $1,051,400 (+4.23%) Land $699,125 Building $352,275 |
| 2024 | $11,379.00 (+8.44%) | $1,008,749 (+5.75%) Land $699,125 Building $309,624 | $1,008,749 (+5.75%) Land $699,125 Building $309,624 |
| 2023 | $10,493.00 (+21.26%) | $953,879 (+34.43%) Land $699,125 Building $254,754 | $953,879 (+34.43%) Land $699,125 Building $254,754 |
| 2022 | $8,653.00 | $709,578 Land $499,375 Building $210,203 | $709,578 Land $499,375 Building $210,203 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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.
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 |
| 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.
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 |
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