43 Cache Cay Dr, Vero Beach, FL 32963 Property Records

Indian River County property record for 43 Cache Cay Dr, Vero Beach, FL 32963 · Last verified March 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	4 Baths
Year Built	Built 2009
Square Footage	4,072 sqft Living Area
Lot Size	23,522 sqft (0.539 acres)
Garage	678 sqft
Pool	Spa/Hot Tub (Only)
Tax Bill	$31,518.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`32-40-29-00014-0000-00022.0`
Alternative APN	`57408`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	8 Rooms
Building Area	4,072 sqft Living Area
1st Floor	4,072 sqft 1st Floor
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Exterior Material	Stucco Exterior
Construction Type	Concrete Blocks Construction
Foundation Type	Mat/Raft Foundation (Slab) Foundation
Roof Construction	Hip Roof Construction
Lot Area	23,522 sqft (0.539 acres)
Depth X Width	152 ft x 154 ft Depth x Width
Driveway	1 Driveway
Driveway Area	920 sqft Driveway
Garage Area	678 sqft Garage

Exterior Amenities

Pool Type	Spa/Hot Tub (Only) Pool Type
Pool Area	1 sqft Pool
Fence	Fence
Patio Area	189 sqft Patio
Porch	Open Porch
Porch Area	839 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air Heating

Location & Zoning

Account Number	57408
Street Address	43 CACHE CAY DR
City	VERO BEACH
State	FL
Zip	32963-1211
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	CACHE CAY SUBDIVISION LOT 22 PBI 9-62 & 62A
Legal Range	40
Legal Township	32
Legal Section	29
Legal Subdivision	CACHE CAY SUBDIVISION
Legal Lot Number	22
Jurisdiction	INDIAN RIVER FL
Minor Civil Division	VERO BEACH
Census Blockgroup	2
Census Block	2031
Census Tract	50505

Owner

Source: Indian River County records · APN 32-40-29-00014-0000-00022.0

Assessment roll updated July 1, 2025 · Last verified March 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 File
Mailing Address	PO BOX 388, ALGONAC, MI 48001-0388
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 21, 2005
Deed Sale	Sep 21, 2005
Prior Sale	Jul 13, 2005
Deed Doc Number	1688126
Record Refreshed	Jun 08, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	43 CACHE CAY DR, VERO BEACH, FL 32963-1211
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032071722
Date	May 16, 2019
Book Page	3207/1722
Instrument	3120190029071

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Adjustable Rate Mortgage (ARM)
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change Date	Jun 01, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

Tax Assessment & Valuation

Source: Indian River County records · Assessment roll updated July 1, 2025 · Last verified March 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$31,518.00 (+16.2%)	$2,401,761 (+6.69%) Land $1,307,415 Building $1,094,346	$2,401,761 (+6.69%) Land $1,307,415 Building $1,094,346
2023	$27,124.00 (+18.01%)	$2,251,253 (+28.75%) Land $1,307,415 Building $943,838	$2,251,253 (+28.75%) Land $1,307,415 Building $943,838
2022	$22,985.00	$1,748,500 Land $950,847 Building $797,653	$1,748,500 Land $950,847 Building $797,653

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Indian River County (12061C), updated May 13, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Moderate
500-Year Floodplain	Yes
Special Flood Hazard Area	No
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.