4670 Hamilton Ter, Vero Beach, FL 32967 Property Records

Indian River County property record for 4670 Hamilton Ter, Vero Beach, FL 32967

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,353 sqft · built 2001
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Aug 2018)
Tax Bill	$4,160 (2025)
Deeds & Mortgages	Apr 2026 Reverse Mortgage Apr 2026 Reverse Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`32-39-24-00012-0000-00014.0`

Property Details

APN / Parcel Number

Primary APN	`32-39-24-00012-0000-00014.0`
Alternative APN	`49610`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,353 sqft Living Area
Gross Area	3,003 sqft
1st Floor Area	2,353 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Tile
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	125 ft deep x 61.5 ft wide
View / Lot	Golf Course
Garage Type	Attached
Garage Area	506 sqft
Driveway	Concrete Driveway
Driveway Area	1,060 sqft
Porch	Screened Porch
Porch Area	199 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4670 HAMILTON TER
City	VERO BEACH
State	FL
Zip	32967-7330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-6
Legal Description	HAMILTON ISLAND-OAK HARBOR PLAT #3 LOT 14 PBI 14-87
Legal Range	39E
Legal Township	32S
Legal Section	24
Legal Subdivision	HAMILTON ISLAND - OAK HARBOR PLAT NO 3
Legal Lot Number	14
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	2
Census Block	2008
Census Tract	50306

Owner

4670 Hamilton Ter is owned and occupied by two individuals who bought it in August 2018.

Source: Indian River County records, as of April 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4670 HAMILTON TER, VERO BEACH, FL 32967-7330
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
Apr 6, 2026	Deed of Trust, Mortgage · Reverse Mortgage MUTUAL/OMAHA MORTGAGE LLC
Apr 6, 2026	Deed of Trust, Mortgage · Reverse Mortgage FEDERAL HOUSING COMMISSIONER
Jan 11, 2021	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Dec 2, 2020	Deed of Trust, Mortgage · FHA Mortgage REVERSE MTG FNDG
Aug 13, 2018	Warranty Deed, Transfer OCEANSIDE TITLE AND ESCROW, OCEANSIDE TITLE & ESCROW

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2018 · Amount on File
Deed Sale	Aug 13, 2018 · Amount on File
Prior Sale	May 21, 2014
Deed Document Number	201849867
Deed Book / Page	3140 / 1629
Prior Transfer Date	Oct 30, 2009
Prior Transfer Doc	0023800333
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Recording Date	Apr 6, 2026
Property Address	4670 HAMILTON TER, VERO BEACH, FL 32967-7330
Document Number	0000015792
Book / Page	3850 / 718
Instrument Date	Mar 27, 2026
Instrument	202615792
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4670 HAMILTON TER, VERO BEACH, FL 32967-7330

Mortgage

Document Number	0000015792,
Date	Apr 6, 2026
Book Page	3850/718
Instrument	202615792

Lender

Name	MUTUAL/OMAHA MORTGAGE LLC

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	758 Months
Due	Jun 15, 2089

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Recording Date	Apr 6, 2026
Property Address	4670 HAMILTON TER, VERO BEACH, FL 32967-7330
Document Number	0000015793
Book / Page	3850 / 736
Instrument Date	Mar 27, 2026
Instrument	202615793
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4670 HAMILTON TER, VERO BEACH, FL 32967-7330

Mortgage

Document Number	0000015793,
Date	Apr 6, 2026
Book Page	3850/736
Instrument	202615793

Lender

Name	FEDERAL HOUSING COMMISSIONER

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	758 Months
Due	Jun 15, 2089

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	4670 HAMILTON TER, VERO BEACH, FL 32967-7330
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INTEGRITY TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4670 HAMILTON TER, VERO BEACH, FL 32967-7330

Mortgage

Document Number	0033760893
Date	Jan 11, 2021
Book Page	3376/893
Instrument	3120210001608

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	821 Months
Due	Jun 15, 2089

Interest

Rate Type	Adjustable Rate
Rate	2.83%
Type Change Date	Jan 1, 2022
Change Frequency	Annually
Index	1-Year LIBOR

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	4670 HAMILTON TER, VERO BEACH, FL 32967-7330
Document Number	0033760908
Instrument Date	Dec 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4670 HAMILTON TER VERO BEACH FL 329677330, VERO BEACH, FL 32967-7330

Mortgage

Document Number	0033760908
Date	Jan 11, 2021
Book Page	003376/000908
Instrument	1609

Lender

Name	REVERSE MTG FNDG
Type	Mortgage Company
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	816 Months
Due	Jan 10, 2089

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Aug 13, 2018
Property Address	4670 HAMILTON TER, VERO BEACH, FL 32967-7330
Document Number	0031401629
Book / Page	003140 / 001629
Instrument Date	Aug 10, 2018
Instrument	49867
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	OCEANSIDE TITLE AND ESCROW, OCEANSIDE TITLE & ESCROW

Transaction

Amount	Amount on Record
Tax	$2,800.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4670 HAMILTON TER VERO BEACH FL 329677330, VERO BEACH, FL 32967-7330

Tax Assessment & Valuation

The 2025 property tax bill for 4670 Hamilton Ter was $4,160 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	$4,160.00 Homeowner's exemption	$310,017	$817,824 Land $191,250 Building $626,574
2023	$3,674.00 (+2.65%)	$292,505 (+3%)	$665,589 (+20.98%) Land $102,000 Building $563,589
2022	$3,579.00	$283,985	$550,162 Land $102,000 Building $448,162

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

Flood

FEMA maps place 4670 Hamilton Ter in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 269 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	805 units insured incl. 536 condo units
Nearby Flood Claims	44 (2004–2017)
Claims Outside the SFHA	36 of 44
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Tropical Storm Fay, Aug 2008 · 19 claims Hurricane Frances, Sep 2004 · 9 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 4670 Hamilton Ter 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 95% 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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber · DSL in parts of the area	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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