445 38th Ave, Vero Beach, FL 32968 Property Records

Indian River County property record for 445 38th Ave, Vero Beach, FL 32968

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,257 sqft · built 1988
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Tax Bill	$1,671 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Aug 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-39-15-00005-0002-00008.0`

Property Details

APN / Parcel Number

Primary APN	`33-39-15-00005-0002-00008.0`
Alternative APN	`79460`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,257 sqft Living Area
Gross Area	1,749 sqft
1st Floor Area	1,257 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Custom Design
Exterior Material	Wood
Construction Type	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	100 ft deep x 75 ft wide
View / Lot	Interior
Garage Type	Attached
Garage Area	312 sqft
Porch	Screened Porch
Porch Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	445 38TH AVE
City	VERO BEACH
State	FL
Zip	32968-1926
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	CLEMANN ESTATES UNIT NO 1 BLK B LOT 8 & S 1/2 OF LOT 9 PBI 3-63
Legal Range	39E
Legal Township	33S
Legal Section	15
Legal Subdivision	CLEMANN ESTATES UNIT NO 1
Legal Block	B
Legal Lot Number	8
Legal Unit	NO
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	3
Census Block	3005
Census Tract	50702

Owner

445 38th Ave is owned and occupied by an individual who acquired it in November 2021.

Source: Indian River County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	445 38TH AVE, VERO BEACH, FL 32968-1926
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Nov 1, 2021	Intrafamily Transfer, Transfer · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Aug 16, 2017	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC
Aug 1, 2017	Grant Deed ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2021
Deed Sale	Nov 1, 2021
Prior Sale	Aug 16, 2017 · Amount on File
Deed Document Number	202175988
Deed Book / Page	3479 / 122
Prior Transfer Date	Apr 16, 2021
Prior Transfer Doc	0034790122
Record Updated	Sep 20, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	INDIAN RIVER FL
Recording Date	Nov 1, 2021
Property Address	445 38TH AVE, VERO BEACH, FL 32968-1926
Document Number	0034790122
Book / Page	3479 / 122
Map Reference	MB 3 PG 63
Instrument Date	Apr 16, 2021
Instrument	3120210075988
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	555 SARINA TER SW, 555, VERO BEACH, FL 32968-4042

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 38TH AVE, VERO BEACH, FL 32968-1926

Mortgage

Document Number	3479124
Date	Nov 1, 2021
Instrument	3479/124

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Aug 16, 2017
Property Address	445 38TH AVE, VERO BEACH, FL 32968-1926
Document Number	0030490327
Book / Page	003049 / 000327
Instrument Date	Aug 11, 2017
Instrument	47992
Transaction Type	Transfer
Record Updated	Mar 11, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$665.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	445 38TH AVE VERO BEACH FL 329681926, VERO BEACH, FL 32968-1926

Mortgage

Document Number	30490330
Date	Aug 16, 2017
Book Page	003049/000330
Instrument	47993

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 15, 2047

August 2017: Grant Deed

Document Type	Grant Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Aug 1, 2017
Property Address	445 38TH AVE, VERO BEACH, FL 32968-1926
Document Number	0030450634
Book / Page	003045 / 000634
Instrument Date	Aug 10, 2017
Instrument	44657
Record Updated	Aug 16, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	445 38TH AVE VERO BEACH FL 329681926, VERO BEACH, FL 32968-1926

Tax Assessment & Valuation

The 2025 property tax bill for 445 38th Ave was $1,671 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,671.00 Homeowner's exemption	$130,166	$241,226 Land $29,006 Building $212,220
2023	$1,333.00 (+3.41%)	$122,813 (+3%)	$236,110 (+15.92%) Land $29,006 Building $207,104
2022	$1,289.00	$119,236	$203,681 Land $29,006 Building $174,675

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

Flood

FEMA maps place 445 38th Ave in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1979.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 234 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	234 in force
Nearby Flood Claims	25 (1979–2025)
Claims Outside the SFHA	21 of 25
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 10 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 445 38th Ave is low, with a 0.04% annual chance of wildfire.

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	0.04% annual chance
Exposure	Direct burnable vegetation

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 279 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications.

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