515 Live Oak Rd, Vero Beach, FL 32963 Property Records

Indian River County property record for 515 Live Oak Rd, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,076 sqft · built 2020
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$1,125,000 (Aug 2016)
Tax Bill	$47,492 (2025)
Flood Zone	Zone AE (high risk)
APN	`32-40-32-00004-0100-00002.0`

Property Details

APN / Parcel Number

Primary APN	`32-40-32-00004-0100-00002.0`
Alternative APN	`58475`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,076 sqft Living Area
Gross Area	5,960 sqft
1st Floor Area	2,960 sqft
2nd Floor Area	1,116 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Metal
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	162 ft deep x 100 ft wide
View / Lot	River
Garage Type	Attached
Garage Area	1,344 sqft
Driveway	Brick Driveway
Driveway Area	1,999 sqft

Exterior Amenities

Pool Area	1 sqft
Porch	Screened Porch
Porch Area	63 sqft
Deck Area	Deck Area
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	515 LIVE OAK RD
City	VERO BEACH
State	FL
Zip	32963-1355
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	BETHEL BY THE SEA UNIT NO 3 BLK 10 LOT 2 PBI 3-68
Legal Range	40E
Legal Township	32S
Legal Section	32
Legal Subdivision	BETHEL BY THE SEA UNIT NO 3
Legal Block	10
Legal Lot Number	2
Legal Unit	NO
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	2
Census Block	2023
Census Tract	50505

Owner

515 Live Oak Rd is owned and occupied by two individuals who bought it in August 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	515 LIVE OAK RD, VERO BEACH, FL 32963-1355
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2016 · Amount on File
Deed Sale	Aug 31, 2016 · Amount on File
Prior Sale	Oct 4, 2013 · Amount on File
Deed Document Number	201650624
Deed Book / Page	2962 / 1318
Prior Transfer Date	Oct 16, 2009
Prior Transfer Doc	0024791528
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 515 Live Oak Rd was $47,492 with a homeowner's exemption.

Source: Indian River County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Indian River County
Municipality	Vero Beach City
Unified School District	Indian River County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$47,492.00 Homeowner's exemption	$3,011,795	$4,230,832 Land $1,237,600 Building $2,993,232
2023	$43,690.00 (+2.82%)	$2,841,665 (+3%)	$3,418,274 (+23.9%) Land $1,237,600 Building $2,180,674
2022	$42,493.00	$2,758,898 Land $972,400 Building $1,786,498	$2,758,898 Land $972,400 Building $1,786,498

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

Flood

FEMA maps place 515 Live Oak Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	5.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 479 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,484 units insured incl. 1,005 condo units
Nearby Flood Claims	160 (1979–2024)
Claims Outside the SFHA	112 of 160
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 3 claims Hurricane Frances, Sep 2004 · 126 claims Hurricane Irene, Oct 1999 · 7 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 515 Live Oak Rd 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 98% of the US · lower than 97.6% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20