4520 55th St, Vero Beach, FL 32967 Property Records

Indian River County property record for 4520 55th St, Vero Beach, FL 32967

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,377 sqft · built 2009
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$347,000 (Aug 2023)
Tax Bill	$4,706 (2025)
Deeds & Mortgages	Aug 2023 Sale & Second Mortgage Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`32-39-16-00007-0000-00337.0`

Property Details

APN / Parcel Number

Primary APN	`32-39-16-00007-0000-00337.0`
Alternative APN	`45420`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,377 sqft Living Area
Gross Area	1,617 sqft
1st Floor Area	1,377 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Tile
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	165 ft deep x 96 ft wide
View / Lot	Interior
Garage Type	Attached
Garage Area	240 sqft
Driveway	Brick Driveway
Driveway Area	308 sqft
Porch	Open Porch
Porch Area	30 sqft
Patio Area	21 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4520 55TH ST
City	VERO BEACH
State	FL
Zip	32967-2428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	VEROLAGO PHASE 5 LOT 337 PBI 20-44
Legal Range	39E
Legal Township	32S
Legal Section	16
Legal Subdivision	VEROLAGO PHASE 5
Legal Phase	5
Legal Lot Number	337
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1011
Census Tract	50811

Owner

4520 55th St is owned by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	927 SANDPIPER LN, VERO BEACH, FL 32963-2225
Owner Type	Individual
Vesting	Husband and Wife

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
Aug 21, 2023	Warranty Deed, Transfer · Stand-Alone Second Mortgage CALIBER HOME LOANS INC
Jul 26, 2021	Warranty Deed, Transfer · Conventional Mortgage BAYSHORE MORTGAGE FUNDING LLC
Nov 6, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FLORIDA HOUSING FINANCE CORP
Oct 4, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2023 · Amount on File
Deed Sale	Aug 21, 2023 · Amount on File
Prior Sale	Jul 26, 2021 · Amount on File
Deed Document Number	202342419
Deed Book / Page	3644 / 1903
Prior Transfer Date	Sep 29, 2017
Prior Transfer Doc	0030600709
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Aug 21, 2023
Property Address	4520 55TH ST, VERO BEACH, FL 32967-2428
Document Number	0036441903
Book / Page	3644 / 1903
Map Reference	MB 20 PG 44-49
Instrument Date	Aug 15, 2023
Instrument	3120230042419
Transaction Type	Transfer
Record Updated	Sep 7, 2023
Title Company	PREMIER TTL PARTNERS OF FL L

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,429.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10807 HIGHLAND RANCH CT, TAMPA, FL 33647-3779

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	927 SANDPIPER LN, VERO BEACH, FL 32963-2225

Mortgage

Document Number	3120230042421
Date	Aug 21, 2023
Instrument	3120230042421

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Mortgage

Document Number	0036441905
Date	Aug 21, 2023
Book Page	3644/1905
Instrument	3120230042420

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jul 26, 2021
Property Address	4520 55TH ST, VERO BEACH, FL 32967-2428
Document Number	0034470552
Book / Page	3447 / 552
Map Reference	MB 20 PG 44-49
Instrument Date	Jul 20, 2021
Instrument	3120210053249
Transaction Type	Transfer
Record Updated	Aug 6, 2021
Title Company	ELITE TITLE COMPANY INC, ELITE TTL OF TREASURE COAST

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4520 55TH ST, 4520, VERO BEACH, FL 32967-2428

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4520 55TH ST, VERO BEACH, FL 32967-2428

Mortgage

Document Number	3447553
Date	Jul 26, 2021
Instrument	3447/553

Lender

Name	BAYSHORE MORTGAGE FUNDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	4520 55TH ST, VERO BEACH, FL 32967-2428
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030680534
Date	Nov 6, 2017
Book Page	3068/0534
Instrument	3120170063669

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Funding / Finance Company
Address	TALLAHASSEE, FL 32301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Oct 4, 2017
Property Address	4520 55TH ST, VERO BEACH, FL 32967-2428
Document Number	0030600709
Book / Page	003060 / 000709
Instrument Date	Sep 29, 2017
Instrument	57041
Transaction Type	Transfer
Record Updated	Oct 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4520 55TH ST VERO BEACH FL 329672428, VERO BEACH, FL 32967-2428

Tax Assessment & Valuation

The 2025 property tax bill for 4520 55th St was $4,706.

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	$4,706.00	$305,947 Land $46,750 Building $259,197	$305,947 Land $46,750 Building $259,197
2023	$3,121.00 (+2.73%)	$251,231 (+3%)	$284,761 (+16.75%) Land $38,250 Building $246,511
2022	$3,038.00	$243,913 Land $38,250 Building $205,663	$243,913 Land $38,250 Building $205,663

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

Flood

FEMA maps place 4520 55th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 94 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	94 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2024 · Hurricane Milton

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 4520 55th St is low, with a 0.03% 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 95% of Florida
Wildfire Likelihood	0.03% 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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL 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

May also be available: Hotwire Communications.

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