5045 Harmony Cir, Apt 304, Vero Beach, FL 32967 Property Records

Indian River County property record for 5045 Harmony Cir, Apt 304, Vero Beach, FL 32967

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 871 sqft · built 1988
Lot Size	17.2 acres (752,128 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Jun 2023)
Tax Bill	$2,514 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jan 2022 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`32-39-23-00003-0009-00034.0`

Property Details

APN / Parcel Number

Primary APN	`32-39-23-00003-0009-00034.0`
Alternative APN	`48344`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Units	22 Units
Stories	1 Story
Building Area	871 sqft Living Area
1st Floor Area	871 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, 304
City	VERO BEACH
State	FL
Zip	32967-7214
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	HARMONY ISLAND BLDG I UNIT 34 OR BK 796 PP 338
Legal Range	39E
Legal Township	32S
Legal Section	23
Legal Subdivision	HARMONY ISLAND
Legal Lot Number	I34
Legal Unit	34
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	Individual Name on Record
Mailing Address	5045 HARMONY CIR, 304, VERO BEACH, FL 32967-7214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2023	Warranty Deed, Transfer · Conventional Mortgage TOTAL MORTGAGE SERVICES LLC
Jan 13, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Mar 8, 2021	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2023 · Amount on Record
Deed Sale	Jun 27, 2023 · Amount on Record
Prior Sale	Mar 8, 2021 · Amount on Record
Deed Document Number	202332464
Deed Book / Page	3631 / 1497
Prior Transfer Date	Aug 15, 2001
Prior Transfer Doc	0014230623
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jun 27, 2023
Property Address	5045 HARMONY CIR APT 304, 304, VERO BEACH, FL 32967-7214
Document Number	0036311497
Book / Page	3631 / 1497
Map Reference	MB 796 PG 338
Instrument Date	Jun 23, 2023
Instrument	3120230032464
Transaction Type	Transfer
Record Updated	Jul 10, 2023
Title Company	SUPREME TITLE SOLUTIONS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4638 NW 12TH PL, GAINESVILLE, FL 32605-4579

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5045 HARMONY CIR APT 304, 304, VERO BEACH, FL 32967-7214

Mortgage

Document Number	0036311500
Date	Jun 27, 2023
Instrument	3631/1500

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	INDIAN RIVER FL
Recording Date	Jan 13, 2022
Property Address	5045 HARMONY CIR APT 304, 304, VERO BEACH, FL 32967-7214
Document Number	0035020485
Book / Page	3502 / 485
Map Reference	MB 796 PG 338
Instrument Date	Jan 10, 2022
Instrument	3120220002648
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4638 NW 12TH PL, GAINESVILLE, FL 32605-4579
Investor	Possibly a Property Investor

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Mar 8, 2021
Property Address	5045 HARMONY CIR APT 304, 304, VERO BEACH, FL 32967-7214
Document Number	0033960423
Book / Page	3396 / 423
Map Reference	MB 796 PG 338
Instrument Date	Mar 5, 2021
Instrument	3120210016026
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	ELITE TITLE COMPANY INC, ELITE TTL OF TREASURE COAST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,047.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4638 NW 12TH PL, GAINESVILLE, FL 32605-4579

Mortgage

Document Number	3396428
Date	Mar 8, 2021
Instrument	3396/428

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

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	$2,514.00 (-10.79%) Homeowner's exemption	$209,196 (-) Building $209,196	$209,196 (-) Building $209,196
2023	$2,818.00 (+15.07%)	$209,196 (+25.44%) Building $209,196	$209,196 (+25.44%) Building $209,196
2022	$2,449.00	$166,770 Building $166,770	$166,770 Building $166,770

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

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