Indian River County property record for 503 River Dr, Vero Beach, FL 32963
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 3,941 sqft · built 2020 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $5,400,000 (May 2023) |
| Tax Bill | $81,883 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Mar 2022 Sale + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 33-40-05-00006-0000-00032.0 |
| Primary APN | 33-40-05-00006-0000-00032.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Plumbing Fixtures | 19 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,941 sqft Living Area |
| Gross Area | 5,196 sqft |
| 1st Floor Area | 3,941 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Concrete |
| Lot Area | 19,602 sqft (0.45 acres) |
| Lot Dimensions | 149 ft deep x 131 ft wide |
| View / Lot | Canal/Waterfront |
| Garage Type | Attached |
| Garage Area | 769 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 3,131 sqft |
| Pool Area | 1 sqft |
|---|---|
| Porch | Screened Porch |
| Porch Area | 18 sqft |
| Deck Area | 720 sqft |
| Patio Area | 1,594 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 503 RIVER DR |
|---|---|
| City | VERO BEACH |
| State | FL |
| Zip | 32963-2127 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1AA |
| Legal Description | RIOMAR BAY UNIT 1 REPLAT OF LOT 32 PBI 6-65 & 65A |
| Legal Range | 40E |
| Legal Township | 33S |
| Legal Section | 05 |
| Legal Subdivision | REPLAT OF RIOMAR BAY UNIT 1 |
| Legal Lot Number | 32 |
| Legal Unit | 1 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 1 |
| Census Block | 1057 |
| Census Tract | 50504 |
503 River Dr is owned and occupied by two individuals who bought it in May 2023.
Source: Indian River County records, as of February 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 503 RIVER DR, VERO BEACH, FL 32963-2127 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Borrower in Default |
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 |
|---|---|
| May 31, 2023 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Mar 31, 2022 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Jul 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA |
| Oct 26, 2018 | Deed of Trust, Mortgage · ARM US BANK NA |
| Jun 22, 2017 | Warranty Deed, Transfer · ARM WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2023 · Amount on File |
| Deed Sale | May 31, 2023 · Amount on File |
| Prior Sale | Mar 31, 2022 · Amount on File |
| Deed Document Number | 202327465 |
| Deed Book / Page | 3625 / 748 |
| Prior Transfer Date | May 13, 2009 |
| Prior Transfer Doc | 0023430063 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | May 31, 2023 |
| Property Address | 503 RIVER DR, VERO BEACH, FL 32963-2127 |
| Document Number | 0036250748 |
| Book / Page | 3625 / 748 |
| Map Reference | MB 6 PG 65 |
| Instrument Date | May 31, 2023 |
| Instrument | 3120230027465 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $37,800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 538 SHIRLEY PRESSLEY RD, GLENVILLE, NC 28736-6354 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 503 RIVER DR, VERO BEACH, FL 32963-2127 |
| Document Number | 0003625750 |
|---|---|
| Date | May 31, 2023 |
| Instrument | 3625/750 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Jun 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.75% |
| Index | Other |
| Max Rate | 10.7% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Mar 31, 2022 |
| Property Address | 503 RIVER DR, VERO BEACH, FL 32963-2127 |
| Document Number | 0035261206 |
| Book / Page | 3526 / 1206 |
| Map Reference | MB 6 PG 65 |
| Instrument Date | Mar 31, 2022 |
| Instrument | 3120220020677 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $40,950.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 503 RIVER DR, 503, VERO BEACH, FL 32963-2127 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 538, GLENVILLE, NC 28736-0538 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 503 RIVER DR, VERO BEACH, FL 32963-2127 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2021 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|
| Document Number | 0033182365 |
|---|---|
| Date | Jul 15, 2020 |
| Book Page | 3318/2365 |
| Instrument | 3120200040152 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | Aug 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 7.87% |
| Index | 1-Year LIBOR |
| Max Rate | 7.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 503 RIVER DR, VERO BEACH, FL 32963-2127 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0031590869 |
|---|---|
| Date | Oct 26, 2018 |
| Book Page | 3159/0869 |
| Instrument | 3120180065598 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Nov 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.75% |
| Index | 1-Year CMT |
| Max Rate | 8.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Jun 22, 2017 |
| Property Address | 503 RIVER DR, VERO BEACH, FL 32963-2127 |
| Document Number | 0030341587 |
| Book / Page | 3034 / 1587 |
| Map Reference | MB6 PG65 |
| Instrument Date | Jun 13, 2017 |
| Instrument | 3120170035977 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,700.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11 BENJAMIN ST, 11, OLD GREENWICH, CT 06870-1803 |
| Name | Verified Name |
|---|---|
| Address | 503 RIVER DR, VERO BEACH, FL 32963-2127 |
| Document Number | 30341593 |
|---|---|
| Date | Jun 22, 2017 |
| Instrument | 3034/1593 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.5% |
| Index | 1-Year LIBOR |
| Max Rate | 8.5% |
The 2025 property tax bill for 503 River Dr was $81,883.
Source: Indian River County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Municipality | Vero Beach City |
| Unified School District | Indian River County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $81,883.00 | $5,136,052 Land $1,610,849 Building $3,525,203 | $5,136,052 Land $1,610,849 Building $3,525,203 |
| 2023 | $72,925.00 (+64.43%) | $4,682,623 (+51.57%) Land $1,428,058 Building $3,254,565 | $4,682,623 (+51.57%) Land $1,428,058 Building $3,254,565 |
| 2022 | $44,349.00 | $3,089,367 Land $1,142,446 Building $1,946,921 | $3,089,367 Land $1,142,446 Building $1,946,921 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 503 River Dr in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Coastal | Yes |
| 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 433 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 622 units insured incl. 189 condo units |
| Nearby Flood Claims | 129 (1979–2024) |
| Claims Outside the SFHA | 59 of 129 |
| 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 503 River Dr 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 99.1% of the US · lower than 98.7% 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 115 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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