445 Eugenia Rd, Vero Beach, FL 32963 Property Records

Indian River County property record for 445 Eugenia Rd, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,951 sqft · built 1972
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$662,500 (Jul 2018)
Tax Bill	$7,962 (2025)
Deeds & Mortgages	Jul 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`32-40-31-00007-0150-00020.0`

Property Details

APN / Parcel Number

Primary APN	`32-40-31-00007-0150-00020.0`
Alternative APN	`58067`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,951 sqft Living Area
1st Floor Area	1,633 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2000
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Retaining Wall
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Garage Area	581 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	432 sqft
Patio Area	672 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	58067
Street Address	445 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 BLK 15 LOTS 20 AND 21
Legal Range	40
Legal Township	32
Legal Section	31
Legal Subdivision	VEROMAR
Legal Block	15
Legal Lot Number	20-21 21
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1024
Census Tract	50505

Owner

Source: Indian River County records, as of March 5, 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	445 EUGENIA RD, VERO BEACH, FL 32963-1527
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2018 · Amount on Record
Deed Sale	Jul 27, 2018 · Amount on Record
Prior Sale	May 12, 2015 · Amount on Record
Deed Document Number	3120180046273
Deed Book / Page	3136 / 1042
Record Updated	Jun 8, 2026

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jul 27, 2018
Property Address	445 EUGENIA RD, VERO BEACH, FL 32963-1527
Document Number	0031361042
Book / Page	003136 / 001042
Instrument Date	Jul 20, 2018
Instrument	46273
Transaction Type	Transfer
Record Updated	Aug 15, 2018
Title Company	OCEANSIDE TITLE AND ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,637.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 LOST ISLAND RD BEAUFORT SC 299071612, BEAUFORT, SC 29907-1612

Mortgage

Document Number	31361044
Date	Jul 27, 2018
Book Page	003136/001044
Instrument	46274

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2048

Tax Assessment & Valuation

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	$7,962.00 (+9.91%)	$526,298 (+5.99%)	$942,324 (+12.36%) Land $559,300 Building $383,024
2023	$7,244.00 (+3%)	$496,568 (+3%)	$838,671 (+33.2%) Land $559,300 Building $279,371
2022	$7,033.00	$482,104	$629,646 Land $399,500 Building $230,146

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

Flood

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	Hurricane Milton, Oct 2024 · 2 claims Hurricane Matthew, Oct 2016 · 2 claims Hurricane Frances, Sep 2004 · 53 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

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.

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 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