5324 16th St, Vero Beach, FL 32966 Property Records

Indian River County property record for 5324 16th St, Vero Beach, FL 32966

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,369 sqft · built 1954
Lot Size	2.56 acres (111,949 sqft)
Owner	2 Individual Names on File
Last Sale	$157,500 (Sep 1995)
Tax Bill	$3,927 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33-39-04-00001-0140-00003.0`

Property Details

APN / Parcel Number

Primary APN	`33-39-04-00001-0140-00003.0`
Alternative APN	`69032`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,369 sqft Living Area
1st Floor Area	1,806 sqft
Utility Area	140 sqft
Utility Room	Utility Room
Interior Walls	Plaster

Exterior

Year Built	Built 1954
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Shed Roof
Roof Material	Rolled Roofing
Lot Area	111,949 sqft (2.56 acres)
Garage Type	Carport
Carport	Carport
Carport Area	360 sqft

Exterior Amenities

Pool Type	Concrete Pool
Pool Area	504 sqft
Porch	Open Porch
Porch Area	532 sqft
Total Buildings	2 Buildings

Location & Zoning

Account Number	69032
Street Address	5324 16TH ST
City	VERO BEACH
State	FL
Zip	32966-2379
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-2
Legal Description	INDIAN RIVER FARMS CO SUB PBS 2-25 COM AT NE COR OF TR 14, RUN N 88 DEG 38 MIN 30 SEC W ALONG N LINE OF TR 14 333.04 FT; TH S
Legal Range	39
Legal Township	33
Legal Section	04
Legal Subdivision	INDIAN RIVER FARMS COMPANY S/D
Legal Tract	14
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1003
Census Tract	50702

Owner

5324 16th St is owned and occupied by two individuals who bought it in September 1995.

Source: Indian River County records, as of December 10, 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	2 Individual Names on File
Mailing Address	5324 16TH ST, VERO BEACH, FL 32966-2379
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 1995 · Amount on File
Deed Sale	Sep 1, 1995 · Amount on File
Deed Document Number	0001070942
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	5324 16TH ST, VERO BEACH, FL 32966-2379
Transaction Type	Mortgage
Record Updated	Feb 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5324 16TH ST, VERO BEACH, FL 32966-2379

Mortgage

Document Number	0033871567
Date	Feb 12, 2021
Book Page	3387/1567
Instrument	3120210009897

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 5324 16th St was $3,927.

Source: Indian River County assessment roll, as of July 1, 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	$3,927.00	$258,965	$278,291 Land $141,993 Building $136,298
2023	$3,230.00 (+5.8%)	$248,454 (+7.38%)	$278,303 (+19.38%) Land $141,993 Building $136,310
2022	$3,053.00	$231,381	$233,133 Land $120,148 Building $112,985

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

Flood

FEMA maps place 5324 16th St in Zone X, an area of minimal flood risk, though there have been 33 flood claims nearby since 1978.

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 124 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	124 in force
Nearby Flood Claims	33 (1978–2024)
Claims Outside the SFHA	16 of 33
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 3 claims Tropical Storm Fay, Aug 2008 · 4 claims Hurricane Frances, Sep 2004 · 17 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 5324 16th St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% 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 218 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 Fixed Wireless · DSL	100 / 20
T-Mobile Fixed Wireless	100 / 20