Indian River County property record for 470 45th Ct, Vero Beach, FL 32968
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,055 sqft · built 2000 |
| Lot Size | 0.539 acres (23,522 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $375,000 (Aug 2020) |
| Tax Bill | $3,470 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Aug 2017 Line of Credit + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 33-39-16-00004-0000-00017.0 |
| Primary APN | 33-39-16-00004-0000-00017.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,055 sqft Living Area |
| 1st Floor Area | 2,055 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Retaining Wall |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 23,522 sqft (0.539 acres) |
| Lot Dimensions | 134 ft deep x 176 ft wide |
| Garage Area | 483 sqft |
| Driveway | Driveway |
| Driveway Area | 144 sqft |
| Pool Area | 1 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 215 sqft |
| Patio Area | 330 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 1,656 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 80779 |
|---|---|
| Street Address | 470 45TH CT |
| City | VERO BEACH |
| State | FL |
| Zip | 32968-1843 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-3 |
| Legal Description | WEST MEADOWS LOT 17 PBI 10-82 |
| Legal Range | 39 |
| Legal Township | 33 |
| Legal Section | 16 |
| Legal Subdivision | WEST MEADOWS |
| Legal Lot Number | 17 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 50702 |
Source: Indian River County records, as of March 5, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 470 45TH CT, VERO BEACH, FL 32968-1843 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 8, 2025 | Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK |
| Aug 29, 2017 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Aug 4, 2020 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Feb 16, 2018 | Loan Modification, Mortgage · Line of Credit SUNTRUST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 4, 2020 · Amount on Record |
| Deed Sale | Aug 4, 2020 · Amount on Record |
| Prior Sale | Oct 19, 2012 · Amount on Record |
| Deed Document Number | 3120200044676 |
| Deed Book / Page | 3325 / 190 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 470 45TH CT, VERO BEACH, FL 32968-1843 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2025 |
| Name | Verified Name |
|---|---|
| Address | 470 45TH CT, VERO BEACH, FL 32968-1843 |
| Document Number | 0038231494 |
|---|---|
| Date | Dec 8, 2025 |
| Book Page | 3823/1494 |
| Instrument | 3120250060029 |
| Name | SEACOAST NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | STUART, FL 34995 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 470 45TH CT, VERO BEACH, FL 32968-1843 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030520461 |
|---|---|
| Date | Aug 29, 2017 |
| Book Page | 3052/0461 |
| Instrument | 3120170050560 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | VERO BEACH, FL 32968 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Aug 19, 2057 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Aug 4, 2020 |
| Property Address | 470 45TH CT, VERO BEACH, FL 32968-1843 |
| Document Number | 0033250190 |
| Book / Page | 3325 / 190 |
| Map Reference | MB 10 PG 82 |
| Instrument Date | Jul 30, 2020 |
| Instrument | 3120200044676 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2021 |
| Title Company | ELITE TITLE OF THE TREASURE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,625.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 470 45TH CT, 470, VERO BEACH, FL 32968-1843 |
| Name | Verified Name |
|---|---|
| Address | 470 45TH CT, VERO BEACH, FL 32968-1843 |
| Document Number | 3325191 |
|---|---|
| Date | Aug 4, 2020 |
| Instrument | 3325/191 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 470 45TH CT, VERO BEACH, FL 32968-1843 |
| Document Number | 0030961044 |
| Instrument Date | Feb 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 410 45T AVE VERO BEACH FL 32968, VERO BEACH, FL 32968 |
| Document Number | 0030961044 |
|---|---|
| Date | Mar 1, 2018 |
| Book Page | 003096/001044 |
| Instrument | 12314 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 29, 2048 |
| Rate Type | Adjustable Rate |
|---|
Source: Indian River County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Unified School District | Indian River County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,470.00 (+15.09%) | $258,161 (+5.99%) | $463,855 (-1.39%) Land $78,317 Building $385,538 |
| 2023 | $3,015.00 (+22.86%) | $243,577 (+20.43%) | $470,389 (+24.7%) Land $78,317 Building $392,072 |
| 2022 | $2,454.00 | $202,258 | $377,202 Land $78,317 Building $298,885 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 234 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 234 in force |
| Nearby Flood Claims | 25 (1979–2025) |
| Claims Outside the SFHA | 21 of 25 |
| Most Recent Claim | Oct 2025 · rainfall accumulation |
| 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 66% of the US · lower than 91% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 189 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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