4405 Sunset Dr, Vero Beach, FL 32963 Property Records

Indian River County property record for 4405 Sunset Dr, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,683 sqft · built 2008
Lot Size	0.339 acres (14,810 sqft)
Owner	2 Owner Names on File
Last Sale	$600,000 (Sep 2006)
Tax Bill	$11,541 (2025)
Deeds & Mortgages	Aug 2019 Mortgage
Flood Zone	Zone AE (high risk)
APN	`32-40-29-00005-0060-00018.0`

Property Details

APN / Parcel Number

Primary APN	`32-40-29-00005-0060-00018.0`
Alternative APN	`57176`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,683 sqft Living Area
1st Floor Area	2,280 sqft
2nd Floor Area	1,403 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Exterior Material	Wood Siding
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gambrel
Roof Material	Metal
Lot Area	14,810 sqft (0.339 acres)
Lot Dimensions	152 ft deep x 98 ft wide
Garage Area	768 sqft
Driveway	Driveway
Driveway Area	2,520 sqft

Exterior Amenities

Pool Area	288 sqft
Porch	Open Porch
Porch Area	754 sqft
Deck Area	198 sqft
Patio Area	540 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	57176
Street Address	4405 SUNSET DR
City	VERO BEACH
State	FL
Zip	32963-1215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	BETHEL ISLE UNIT 2 REPLAT BLK 6 LOT 18 PBI 5-33
Legal Range	40
Legal Township	32
Legal Section	29
Legal Subdivision	BETHEL ISLE UNIT 2 REPLAT
Legal Block	6
Legal Lot Number	18
Legal Unit	2
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	2
Census Block	2017
Census Tract	50505

Owner

The current owner of 4405 Sunset Dr bought it in September 2006.

Source: Indian River County records, as of March 5, 2026

Owner of Record	2 Owner Names on File
Mailing Address	PO BOX 643160, VERO BEACH, FL 32964-3160

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2006 · Amount on File
Deed Sale	Sep 11, 2006 · Amount on File
Deed Document Number	1782620
Deed Book / Page	2077 / 0594
Record Updated	Jun 8, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	4405 SUNSET DR, VERO BEACH, FL 32963-1215
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032310252
Date	Aug 16, 2019
Book Page	3231/0252
Instrument	3120190048557

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8%
Index	1-Year LIBOR
Max Rate	8%

Tax Assessment & Valuation

The 2025 property tax bill for 4405 Sunset Dr was $11,541.

Source: Indian River County assessment roll, as of July 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,541.00	$751,629	$1,512,480 Land $727,297 Building $785,183
2023	$10,548.00 (+2.94%)	$709,171 (+3%)	$1,453,255 (+27.73%) Land $727,297 Building $725,958
2022	$10,247.00	$688,516	$1,137,726 Land $612,461 Building $525,265

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

Flood

FEMA maps place 4405 Sunset Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 479 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,484 units insured incl. 1,005 condo units
Nearby Flood Claims	160 (1979–2024)
Claims Outside the SFHA	112 of 160
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 3 claims Hurricane Frances, Sep 2004 · 126 claims Hurricane Irene, Oct 1999 · 7 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

Wildfire risk around 4405 Sunset Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 263 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