520 38th Ave, Vero Beach, FL 32968 Property Records

Indian River County property record for 520 38th Ave, Vero Beach, FL 32968

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,507 sqft · built 1978
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$127,100 (Mar 2024)
Tax Bill	$407 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33-39-15-00005-0004-00003.0`

Property Details

APN / Parcel Number

Primary APN	`33-39-15-00005-0004-00003.0`
Alternative APN	`79478`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,507 sqft Living Area
Gross Area	2,060 sqft
1st Floor Area	1,507 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Custom Design
Exterior Material	Wood
Construction Type	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
View / Lot	Interior
Garage Type	Attached
Garage Area	280 sqft
Driveway	Concrete Driveway
Driveway Area	720 sqft
Porch	Screened Porch
Porch Area	84 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	520 38TH AVE
City	VERO BEACH
State	FL
Zip	32968-1927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	CLEMANN ESTATES UNIT NO 1 BLK D LOTS 3 & 4 PBI 3-63
Legal Range	39E
Legal Township	33S
Legal Section	15
Legal Subdivision	CLEMANN ESTATES UNIT NO 1
Legal Block	D
Legal Lot Number	3,4
Legal Unit	NO
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	3
Census Block	3006
Census Tract	50702

Owner

520 38th Ave is owned and occupied by an individual who bought it in March 2024.

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 File
Mailing Address	520 38TH AVE, VERO BEACH, FL 32968-1927
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2024	Quit Claim Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Nov 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage SPACE COAST CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2024 · Amount on File
Deed Sale	Mar 27, 2024 · Amount on File
Prior Sale	Jan 29, 2009 · Amount on File
Deed Document Number	202414163
Deed Book / Page	3686 / 1100
Prior Transfer Date	Oct 1, 2008
Prior Transfer Doc	0022990883
Record Updated	Sep 20, 2026

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Mar 27, 2024
Property Address	520 38TH AVE, VERO BEACH, FL 32968-1927
Document Number	0036861100
Book / Page	3686 / 1100
Map Reference	MB 3 PG 63
Instrument Date	Mar 15, 2024
Instrument	3120240014163
Transaction Type	Transfer
Record Updated	Mar 3, 2026

Transaction

Amount	Amount on Record
Tax	$889.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 38TH AVE, VERO BEACH, FL 32968-1927

Mortgage

Document Number	0036861101
Date	Mar 27, 2024
Instrument	3686/1101

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	520 38TH AVE, VERO BEACH, FL 32968-1927
Document Number	0031642396
Instrument Date	Nov 7, 2018
Transaction Type	Mortgage
Record Updated	Dec 13, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 38TH AVE VERO BEACH FL 329681927, VERO BEACH, FL 32968-1927

Mortgage

Document Number	0031642396
Date	Nov 21, 2018
Book Page	003164/002396
Instrument	70590

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	METBOURNE, FL 32940

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 20, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 520 38th Ave was $407 with exemptions applied.

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	$407.00 Homeowner's exemption Veteran's exemption	$229,112 Land $38,675 Building $190,437	$229,112 Land $38,675 Building $190,437
2023	$746.00 (+4.48%)	$80,605 (+3%)	$227,400 (+16.04%) Land $38,675 Building $188,725
2022	$714.00	$78,258	$195,972 Land $38,675 Building $157,297

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

Flood

FEMA maps place 520 38th Ave in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1979.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 234 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	234 in force
Nearby Flood Claims	25 (1979–2025)
Claims Outside the SFHA	21 of 25
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 10 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 520 38th Ave is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 279 locations within half a mile, as of December 31, 2025

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

May also be available: Hotwire Communications.

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