Indian River County property record for 4621 Pebble Bay E, Vero Beach, FL 32963
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,399 sqft · built 1975 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $742,500 (Dec 2020) |
| Tax Bill | $9,592 (2025) |
| Deeds & Mortgages | Dec 2017 Mortgage Dec 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-40-19-00002-0000-00044.0 |
| Primary APN | 32-40-19-00002-0000-00044.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,399 sqft Living Area |
| 1st Floor Area | 2,398 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Construction Type | Wood Frame |
| Foundation Type | Retaining Wall |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 19,602 sqft (0.45 acres) |
| Lot Dimensions | 149 ft deep x 133 ft wide |
| Garage Area | 1,118 sqft |
| Driveway | Driveway |
| Driveway Area | 240 sqft |
| Pool Area | 450 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 569 sqft |
| Patio Area | 1,423 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 56113 |
|---|---|
| Street Address | 4621 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 44 PBI 8-17 & 17A |
| Legal Range | 40 |
| Legal Township | 32 |
| Legal Section | 19 |
| Legal Subdivision | PEBBLE BAY ESTATES |
| Legal Lot Number | 44 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 50505 |
4621 Pebble Bay E is owned and occupied by two individuals who bought it in December 2020.
Source: Indian River County records, as of March 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 4621 PEBBLE BAY E, VERO BEACH, FL 32963-1107 |
| 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.
| Date | Document |
|---|---|
| Dec 5, 2017 | Deed of Trust, Mortgage · ARM MARINE BANK & TRUST CO |
| Dec 16, 2020 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Feb 19, 2017 | Loan Modification, Mortgage · Conventional Mortgage MARINE BK |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Dec 16, 2020 · Amount on File |
| Deed Sale | Dec 16, 2020 · Amount on File |
| Prior Sale | Feb 8, 2005 · Amount on File |
| Deed Document Number | 3120200076118 |
| Deed Book / Page | 3368 / 646 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 4621 PEBBLE BAY E, INDIAN RIVER SHORES, FL 32963-1107 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2021 |
| Title Company | STEWART TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0030751387 |
|---|---|
| Date | Dec 5, 2017 |
| Book Page | 3075/1387 |
| Instrument | 3120170069910 |
| Name | MARINE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | VERO BEACH, FL 32963 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Dec 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 6.5% |
| Index | 1-Year LIBOR |
| Margin | 3 |
| Max Rate | 9.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Dec 16, 2020 |
| Property Address | 4621 PEBBLE BAY E, INDIAN RIVER SHORES, FL 32963-1107 |
| Document Number | 0033680646 |
| Book / Page | 3368 / 646 |
| Map Reference | MB 8 PG 17 |
| Instrument Date | Dec 11, 2020 |
| Instrument | 3120200076118 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,197.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4621 PEBBLE BAY E, 4621, VERO BEACH, FL 32963-1107 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4621 PEBBLE BAY E, VERO BEACH, FL 32963-1107 |
| Document Number | 3368648 |
|---|---|
| Date | Dec 16, 2020 |
| Instrument | 3368/648 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 4621 PEBBLE BAY E, INDIAN RIVER SHORES, FL 32963-1107 |
| Document Number | 0030111369 |
| Instrument Date | Feb 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4621 PEBBLE BAY E VERO BEACH FL 329631107, VERO BEACH, FL 32963-1107 |
| Document Number | 0030111369 |
|---|---|
| Date | Mar 30, 2017 |
| Book Page | 003011/001369 |
| Instrument | 16672 |
| Name | MARINE BK |
|---|---|
| Type | Bank |
| Address | VERO BEACH, FL 32963 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 4621 Pebble Bay E was $9,592.
Source: Indian River County assessment roll, as of July 1, 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 | $9,592.00 | $828,297 | $1,369,146 Land $468,792 Building $900,354 |
| 2023 | $8,778.00 (+1.64%) | $781,509 (+3%) | $1,303,257 (+37.21%) Land $468,792 Building $834,465 |
| 2022 | $8,636.00 | $758,746 | $949,857 Land $351,594 Building $598,263 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4621 Pebble Bay E 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 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.
Wildfire risk around 4621 Pebble Bay E 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 99.8% 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures