520 Reef Rd, Vero Beach, FL 32963 Property Records

Indian River County property record for 520 Reef Rd, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	4 bd · 7 ba · 5,906 sqft · built 2006
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,875,000 (Feb 2020)
Tax Bill	$56,674 (2025)
Deeds & Mortgages	Feb 2020 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`33-40-21-00009-0000-00007.0`

Property Details

APN / Parcel Number

Primary APN	`33-40-21-00009-0000-00007.0`
Alternative APN	`99039`

Interior

Bedrooms	4 Beds
Full Baths	7 Baths
Plumbing Fixtures	22 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	5,906 sqft Living Area
Gross Area	6,674 sqft
1st Floor Area	3,221 sqft
2nd Floor Area	2,684 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Tile
Lot Area	37,462 sqft (0.86 acres)
Lot Dimensions	208 ft deep x 101 ft wide
View / Lot	Ocean
Garage Type	Attached
Garage Area	768 sqft
Driveway	Concrete Driveway
Driveway Area	2,320 sqft

Exterior Amenities

Pool Area	318 sqft
Porch	Slab
Porch Area	1,526 sqft
Patio Area	318 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	520 REEF RD
City	VERO BEACH
State	FL
Zip	32963-2801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	OCEANSIDE/OCEANSIDE REPLAT SUB LOT 7 PBI 10-20
Legal Range	40E
Legal Township	33S
Legal Section	21
Legal Subdivision	OCEANSIDE REPLAT SUB
Legal Lot Number	7
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1001
Census Tract	50509

Owner

Source: Indian River County records, as of October 2, 2026

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	2 Individual Names on Record
Mailing Address	520 REEF RD, VERO BEACH, FL 32963-2801
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2020 · Amount on Record
Deed Sale	Feb 25, 2020 · Amount on Record
Prior Sale	Dec 29, 2012 · Amount on Record
Deed Document Number	202011367
Deed Book / Page	3279 / 1492
Record Updated	Oct 29, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Feb 24, 2020
Property Address	520 REEF RD, VERO BEACH, FL 32963-2801
Document Number	0032791492
Book / Page	003279 / 001492
Instrument Date	May 29, 2016
Instrument	11367
Transaction Type	Transfer
Record Updated	Mar 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20,125.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	110 KNOLLWOOD LN GLENCOE IL 600221217, GLENCOE, IL 60022-1217

Mortgage

Document Number	32791496
Date	Feb 24, 2020
Book Page	003279/001496
Instrument	11369

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.37%

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	$56,674.00 (+13.45%) Homeowner's exemption	$4,044,329 (+5.19%)	$4,155,426 (+8.08%) Land $1,757,463 Building $2,397,963
2023	$49,954.00 (+13.1%)	$3,844,849 (+19.2%) Land $1,627,910 Building $2,216,939	$3,844,849 (+19.2%) Land $1,627,910 Building $2,216,939
2022	$44,168.00	$3,225,633 Land $1,627,910 Building $1,597,723	$3,225,633 Land $1,627,910 Building $1,597,723

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 VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 166 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	467 units insured incl. 301 condo units
Nearby Flood Claims	2 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 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 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 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless · DSL	100 / 20