Indian River County property record for 4616 Pebble Bay E, Vero Beach, FL 32963
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 4,052 sqft · built 1979 |
| Lot Size | 0.87 acres (37,897 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $620,000 (May 2017) |
| Tax Bill | $8,826 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Apr 2018 Loan Modification + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-40-19-00002-0000-00045.0 |
| Primary APN | 32-40-19-00002-0000-00045.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 4,052 sqft Living Area |
| Gross Area | 5,124 sqft |
| 1st Floor Area | 4,052 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 37,897 sqft (0.87 acres) |
| Lot Dimensions | 291 ft deep x 180 ft wide |
| View / Lot | Interior |
| Garage Type | Attached |
| Garage Area | 630 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 2,014 sqft |
| Pool Area | 288 sqft |
|---|---|
| Porch | Screened Porch |
| Porch Area | 666 sqft |
| Patio Area | 587 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4616 PEBBLE BAY E |
|---|---|
| City | VERO BEACH |
| State | FL |
| Zip | 32963-1107 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A |
| Legal Description | PEBBLE BAY ESTATES LOT 45 PBI 8-17 & 17A |
| Legal Range | 40E |
| Legal Township | 32S |
| Legal Section | 19 |
| Legal Subdivision | PEBBLE BAY ESTATES |
| Legal Lot Number | 45 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 50505 |
Source: Indian River County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 4616 PEBBLE BAY E, INDIAN RIVER SHORES, FL 32963-1107 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Jun 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SPACE COAST CU |
| Apr 3, 2018 | Loan Modification, Mortgage · Conventional Mortgage US SMALL BUSN ADMN |
| Apr 3, 2018 | Loan Modification, Mortgage · Conventional Mortgage US SMALL BUSN ADMN |
| Nov 28, 2017 | Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN |
| May 15, 2017 | Grant Deed, Transfer BRANCH BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 15, 2017 · Amount on Record |
| Deed Sale | May 15, 2017 · Amount on Record |
| Prior Sale | Sep 15, 2014 · Amount on Record |
| Deed Document Number | 201727433 |
| Deed Book / Page | 3024 / 1624 |
| Last Transfer Date | Aug 4, 2023 |
| Transfer Doc | 0036900657 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 4616 PEBBLE BAY E, VERO BEACH, FL 32963-1107 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2024 |
| Title Company | OCEANSIDE TITLE AND ESCROW, OCEANSIDE TITLE & ESCROW INC |
| Name | Verified Name |
|---|---|
| Address | 4616 PEBBLE BAY E, VERO BEACH, FL 32963-1107 |
| Investor | Possibly a Property Investor |
| Document Number | 0034370624 |
|---|---|
| Date | Jun 25, 2021 |
| Book Page | 3437/624 |
| Instrument | 3120210046024 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | MELBOURNE, FL 32940 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 4616 PEBBLE BAY E, INDIAN RIVER SHORES, FL 32963-1107 |
| Document Number | 0031041557 |
| Instrument Date | Apr 3, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4616 PEBBLE BAY E INDIAN RIVER SHORES FL 329631107, INDIAN RIVER SHORES, FL 32963-1107 |
| Document Number | 0031041557 |
|---|---|
| Date | Apr 3, 2018 |
| Book Page | 003104/001557 |
| Instrument | 19401 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 2, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 4616 PEBBLE BAY E, INDIAN RIVER SHORES, FL 32963-1107 |
| Document Number | 0031041556 |
| Instrument Date | Apr 3, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4616 PEBBLE BAY E INDIAN RIVER SHORES FL 329631107, INDIAN RIVER SHORES, FL 32963-1107 |
| Document Number | 0031041556 |
|---|---|
| Date | Apr 3, 2018 |
| Book Page | 003104/001556 |
| Instrument | 19400 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 2, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 4616 PEBBLE BAY E, INDIAN RIVER SHORES, FL 32963-1107 |
| Document Number | 0030831930 |
| Book / Page | 003083 / 001930 |
| Instrument Date | Nov 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4616 PEBBLE BAY E INDIAN RIVER SHORES FL 329631107, INDIAN RIVER SHORES, FL 32963-1107 |
| Document Number | 0030831930 |
|---|---|
| Date | Jan 5, 2018 |
| Book Page | 003083/001930 |
| Instrument | 880 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 4, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | May 15, 2017 |
| Property Address | 4616 PEBBLE BAY E, INDIAN RIVER SHORES, FL 32963-1107 |
| Document Number | 0030241624 |
| Book / Page | 003024 / 001624 |
| Instrument Date | May 8, 2017 |
| Instrument | 27433 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,340.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4616 PEBBLE BAY E VERO BEACH FL 329631107, VERO BEACH, FL 32963-1107 |
| Document Number | 30241637 |
|---|---|
| Date | May 15, 2017 |
| Book Page | 003024/001637 |
| Instrument | 27435 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 14, 2047 |
Source: Indian River County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Municipality | Indian River Shores Town |
| Unified School District | Indian River County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,826.00 (+9.42%) Homeowner's exemption | $753,498 (+5.99%) | $1,284,197 (+4.18%) Land $585,837 Building $698,360 |
| 2023 | $8,066.00 (+2.26%) | $710,934 (+3%) | $1,232,707 (+35.52%) Land $585,837 Building $646,870 |
| 2022 | $7,888.00 | $690,227 | $909,580 Land $439,378 Building $470,202 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 86 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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