5045 Harmony Cir, Apt 109, Vero Beach, FL 32967 Property Records

Indian River County property record for 5045 Harmony Cir, Apt 109, 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	Company Name on File
Last Sale	$360,000 (Sep 2023)
Tax Bill	$4,734 (2025)
Deeds & Mortgages	Sep 2023 Transfer Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`32-39-23-00003-0009-00019.0`

Property Details

APN / Parcel Number

Primary APN	`32-39-23-00003-0009-00019.0`
Alternative APN	`48333`

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, 109
City	VERO BEACH
State	FL
Zip	32967-7213
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	HARMONY ISLAND BLDG I UNIT 19 OR BK 796 PP 338
Legal Range	39E
Legal Township	32S
Legal Section	23
Legal Subdivision	HARMONY ISLAND
Legal Lot Number	I19
Legal Unit	19
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	2
Census Block	2008
Census Tract	50306

Owner

5045 Harmony Cir, Apt 109 is owned by a company that acquired it in October 2024.

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

Owner of Record	Company Name on File
Mailing Address	12509 ROSELAND RD, SEBASTIAN, FL 32958-3502
Owner Type	Company
Vesting	Limited Liability Partnership

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
Sep 26, 2023	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Sep 5, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage WPS COMMUNITY BANK FSB
Jan 21, 2021	Warranty Deed, Transfer · Conventional Mortgage MARINE BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2023 · Amount on File
Deed Sale	Sep 5, 2023 · Amount on File
Prior Sale	Jan 21, 2021 · Amount on File
Deed Document Number	202344884
Deed Book / Page	3647 / 1798
Last Transfer Date	Oct 3, 2024
Transfer Doc	0037291867
Record Updated	Sep 20, 2026

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Sep 26, 2023
Property Address	5045 HARMONY CIR APT 109, 109, VERO BEACH, FL 32967-7213
Document Number	0036520038
Book / Page	3652 / 38
Map Reference	MB 796 PG 338
Instrument Date	Sep 26, 2023
Instrument	3120230048649
Transaction Type	Transfer
Record Updated	Oct 13, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12509 ROSELAND RD, SEBASTIAN, FL 32958-3502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3225 MCLEOD DR # 100, 100, LAS VEGAS, NV 89121-2257

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Sep 5, 2023
Property Address	5045 HARMONY CIR APT 109, 109, VERO BEACH, FL 32967-7213
Document Number	0036471798
Book / Page	3647 / 1798
Map Reference	MB 796 PG 338
Instrument Date	Aug 31, 2023
Instrument	3120230044884
Transaction Type	Transfer
Record Updated	Sep 26, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1320 POITRAS DR, VERO BEACH, FL 32963-2300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12509 ROSELAND RD, SEBASTIAN, FL 32958-3502

Mortgage

Document Number	3120230044885
Date	Sep 5, 2023
Instrument	3120230044885

Lender

Name	WPS COMMUNITY BANK FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	6 Months
Due	Mar 1, 2024

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jan 21, 2021
Property Address	5045 HARMONY CIR APT 109, 109, VERO BEACH, FL 32967-7213
Document Number	0033792082
Book / Page	3379 / 2082
Map Reference	MB 796 PG 338
Instrument Date	Jan 19, 2021
Instrument	3120210004278
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	ELITE TTL OF TREASURE COAST

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,764.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4945, VERO BEACH, FL 32967

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5045 HARMONY CIR APT 109, 109, VERO BEACH, FL 32967-7213

Mortgage

Document Number	33792084
Date	Jan 21, 2021
Instrument	3379/2084

Lender

Name	MARINE BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 5045 Harmony Cir, Apt 109 was $4,734.

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	$327,030 Building $327,030	$327,030 Building $327,030
2023	$4,343.00 (+15.29%)	$327,030 (+25.44%) Building $327,030	$327,030 (+25.44%) Building $327,030
2022	$3,767.00	$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

FEMA maps place 5045 Harmony Cir, Apt 109 in Zone X, an area of moderate flood risk, though there have been 44 flood claims nearby since 2004.

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 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 5045 Harmony Cir, Apt 109 is low, with a 0.04% annual chance of 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

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