5045 Harmony Cir, Apt 106, Vero Beach, FL 32967 Property Records

Indian River County property record for 5045 Harmony Cir, Apt 106, Vero Beach, FL 32967

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,486 sqft · built 1988
Lot Size	17.2 acres (752,128 sqft)
Owner	2 Individual Names on Record
Last Sale	$386,500 (Aug 2022)
Tax Bill	$4,734 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Aug 2022 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`32-39-23-00003-0009-00016.0`

Property Details

APN / Parcel Number

Primary APN	`32-39-23-00003-0009-00016.0`
Alternative APN	`48330`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Units	22 Units
Stories	1 Story
Building Area	1,486 sqft Living Area
1st Floor Area	1,486 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Condo/Apartment
Lot Area	752,128 sqft (17.2 acres)
Garage Type	Carport
Carport	Carport

Location & Zoning

Street Address	5045 HARMONY CIR, 106
City	VERO BEACH
State	FL
Zip	32967-7213
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	HARMONY ISLAND BLDG I UNIT 16 OR BK 796 PP 338
Legal Range	39E
Legal Township	32S
Legal Section	23
Legal Subdivision	HARMONY ISLAND
Legal Unit	16
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	2
Census Block	2008
Census Tract	50306

Owner

Source: Indian River County records, as of December 8, 2025

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	2 Individual Names on Record
Mailing Address	17 NORTON LN, OLD GREENWICH, CT 06870-1008
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Aug 3, 2022	Warranty Deed, Transfer PREMIER TITLE PARTNERS/OCALA II LT, PREMIER TTL PARTNERS OF FL L
Aug 16, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2022 · Amount on Record
Deed Sale	Aug 3, 2022 · Amount on Record
Prior Sale	Aug 16, 2017 · Amount on Record
Deed Document Number	202248365
Deed Book / Page	3561 / 908
Prior Transfer Date	May 17, 2016
Prior Transfer Doc	0029342447
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	5045 HARMONY CIR APT 106, 106, VERO BEACH, FL 32967-7213
Transaction Type	Mortgage
Record Updated	Oct 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 NORTON LN, OLD GREENWICH, CT 06870-1008

Mortgage

Document Number	0035712337
Date	Sep 20, 2022
Book Page	3571/2337
Instrument	3120220057402

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.55%
Type Change Date	Oct 1, 2032
Min Rate At Change	3%
Max Rate At Change	9.55%
Index	Other
Margin	3
Max Rate	9.55%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Aug 3, 2022
Property Address	5045 HARMONY CIR APT 106, 106, VERO BEACH, FL 32967-7213
Document Number	0035610908
Book / Page	3561 / 908
Map Reference	MB 796 PG 338
Instrument Date	Jul 28, 2022
Instrument	3120220048365
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	PREMIER TITLE PARTNERS/OCALA II LT, PREMIER TTL PARTNERS OF FL L

Transaction

Amount	Amount Recorded
Tax	$2,705.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19 EVARTS LN, 19, MADISON, CT 06443-2564

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 NORTON LN, OLD GREENWICH, CT 06870-1008

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Aug 16, 2017
Property Address	5045 HARMONY CIR APT 106, 106, VERO BEACH, FL 32967-7213
Document Number	0030490432
Book / Page	003049 / 000432
Instrument Date	Aug 16, 2017
Instrument	48032
Transaction Type	Transfer
Record Updated	Aug 29, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,953.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19 EVARTS LN MADISON CT 064432564, MADISON, CT 06443-2564

Tax Assessment & Valuation

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	$4,734.00 (+0.17%)	$327,030 (-) Building $327,030	$327,030 (-) Building $327,030
2024	$4,726.00 (+1.31%)	$327,030 (-) Building $327,030	$327,030 (-) Building $327,030
2023	$4,665.00 (+30.31%)	$327,030 (+25.44%) Building $327,030	$327,030 (+25.44%) Building $327,030
2022	$3,580.00	$260,706 Building $260,706	$260,706 Building $260,706

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 194 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	100 / 20

Nearby Properties on Harmony Cir

Nearby Streets

All Vero Beach, FL Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures