Indian River County property record for 406 Eugenia Rd, Vero Beach, FL 32963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,533 sqft · built 1987 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,370,000 (May 2026) |
| Tax Bill | $14,394 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-40-31-00007-0110-00001.0 |
| Primary APN | 32-40-31-00007-0110-00001.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,533 sqft Living Area |
| Gross Area | 3,017 sqft |
| 1st Floor Area | 2,203 sqft |
| 2nd Floor Area | 330 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Custom Design |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 120 ft deep x 100 ft wide |
| View / Lot | Interior |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,842 sqft |
| Pool Area | 392 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 88 sqft |
| Patio Area | 726 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 406 EUGENIA RD |
|---|---|
| City | VERO BEACH |
| State | FL |
| Zip | 32963-1526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A |
| Legal Description | VEROMAR PLAT 1 PBI 1-88 LOT 1 & W 25.00 FT OF LOT 2 BLK 11; TOGETHER WITH THAT PORTION OF ABANDONED ROW OF C COURT (PELICAN DRIVE) IN OR 703/2675 ORD NO 85-04 |
| Legal Range | 40E |
| Legal Township | 32S |
| Legal Section | 31 |
| Legal Subdivision | VEROMAR |
| Legal Block | 11 |
| Legal Lot Number | 1,2 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 50505 |
Source: Indian River County records, as of May 18, 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 | 406 EUGENIA RD, VERO BEACH, FL 32963-1526 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 27, 2022 | Deed of Trust, Mortgage · Line of Credit MARINE BANK & TRUST COMPANY |
| May 6, 2026 | Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK |
| Dec 30, 2022 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2026 · Amount on Record |
| Deed Sale | May 6, 2026 · Amount on Record |
| Prior Sale | Dec 30, 2022 · Amount on Record |
| Deed Document Number | 202621643 |
| Deed Book / Page | 3858 / 475 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 406 EUGENIA RD, VERO BEACH, FL 32963-1526 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2026 |
| Name | Verified Name |
|---|---|
| Address | 406 EUGENIA RD, VERO BEACH, FL 32963-1526 |
| Investor | Possibly a Property Investor |
| Document Number | 0035731689 |
|---|---|
| Date | Sep 27, 2022 |
| Book Page | 3573/1689 |
| Instrument | 3120220058665 |
| Name | MARINE BANK & TRUST COMPANY |
|---|---|
| Type | Bank |
| Address | VERO BEACH, FL 32963 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 53 Months |
| Due | Feb 22, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | May 6, 2026 |
| Property Address | 406 EUGENIA RD, VERO BEACH, FL 32963-1526 |
| Document Number | 0000021643 |
| Book / Page | 3858 / 475 |
| Instrument Date | May 6, 2026 |
| Instrument | 2026.21643 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $968,590.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 406 EUGENIA RD, VERO BEACH, FL 32963-1526 |
| Document Number | 0000021644, |
|---|---|
| Date | May 6, 2026 |
| Book Page | 3858/477 |
| Instrument | 2026.21644 |
| Name | SOUTH STATE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Dec 30, 2022 |
| Property Address | 406 EUGENIA RD, VERO BEACH, FL 32963-1526 |
| Document Number | 0035920997 |
| Book / Page | 3592 / 997 |
| Map Reference | MB 1 PG 88 |
| Instrument Date | Dec 30, 2022 |
| Instrument | 3120220074280 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $7,140.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 786 SAUSSY PL, NASHVILLE, TN 37205-3021 |
| Name | Verified Name |
|---|---|
| Address | 406 EUGENIA RD, VERO BEACH, FL 32963-1526 |
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 | $14,394.00 (+9.19%) Homeowner's exemption | $931,306 (+5.99%) | $1,096,139 (+15.2%) Land $559,300 Building $536,839 |
| 2023 | $13,182.00 (+178.22%) | $878,698 (+162.51%) | $951,493 (+32.25%) Land $559,300 Building $392,193 |
| 2022 | $4,738.00 | $334,731 | $719,439 Land $399,500 Building $319,939 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|
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 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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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