520 46th Ct, Vero Beach, FL 32968 Property Records

Indian River County property record for 520 46th Ct, Vero Beach, FL 32968

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,241 sqft · built 1994
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$9,024 (Jun 2011)
Tax Bill	$2,813 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`33-39-16-00006-0000-00010.0`

Property Details

APN / Parcel Number

Primary APN	`33-39-16-00006-0000-00010.0`
Alternative APN	`80814`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,241 sqft Living Area
Gross Area	2,725 sqft
1st Floor Area	2,241 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Custom Design
Exterior Material	Combination
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	144 ft deep x 90 ft wide
View / Lot	Interior
Garage Type	Attached
Garage Area	484 sqft
Driveway	Concrete Driveway
Driveway Area	624 sqft

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	364 sqft
Patio Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	520 46TH CT
City	VERO BEACH
State	FL
Zip	32968-1852
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	INDIAN OAKS SUB LOT 10 PBI 13-60
Legal Range	39E
Legal Township	33S
Legal Section	16
Legal Subdivision	INDIAN OAKS SUBDIVISION
Legal Lot Number	10
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	3
Census Block	3005
Census Tract	50702

Owner

520 46th Ct is owned and occupied by two individuals who acquired it in November 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	520 46TH CT, VERO BEACH, FL 32968-1852
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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	Jun 7, 2011 · Amount on File
Deed Sale	Jun 7, 2011 · Amount on File
Prior Sale	Oct 24, 1995 · Amount on File
Deed Document Number	20112143933
Deed Book / Page	2503 / 474
Last Transfer Date	Nov 22, 2016
Transfer Doc	0029842250
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	520 46TH CT, VERO BEACH, FL 32968-1852
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 46TH CT, VERO BEACH, FL 32968-1852

Mortgage

Document Number	0035572049
Date	Jul 21, 2022
Book Page	3557/2049
Instrument	3120220045497

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Jun 18, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 520 46th Ct was $2,813 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
Unified School District	Indian River County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,813.00 Homeowner's exemption	$211,420	$419,025 Land $41,693 Building $377,332
2023	$2,401.00 (+2.91%)	$199,477 (+3%)	$425,545 (+17.16%) Land $41,693 Building $383,852
2022	$2,333.00	$193,667	$363,213 Land $41,693 Building $321,520

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

Flood

FEMA maps place 520 46th Ct 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	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 46th Ct is low, with 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	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	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 189 locations within half a mile, as of December 31, 2025

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