540 Reef Rd, Vero Beach, FL 32963 Property Records

Indian River County property record for 540 Reef Rd, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,423 sqft · built 1987
Lot Size	0.86 acres (37,462 sqft)
Owner	Individual Name on Record
Last Sale	$880,000 (Jul 2001)
Tax Bill	$18,622 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit
Flood Zone	Zone VE (high risk)
APN	`33-40-21-00009-0000-00006.0`

Property Details

APN / Parcel Number

Primary APN	`33-40-21-00009-0000-00006.0`
Alternative APN	`99038`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,423 sqft Living Area
Gross Area	3,951 sqft
1st Floor Area	2,551 sqft
2nd Floor Area	872 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Custom Design
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	37,462 sqft (0.86 acres)
Lot Dimensions	191 ft deep x 98.8 ft wide
View / Lot	Ocean
Garage Type	Attached
Garage Area	528 sqft
Driveway	Concrete Driveway
Driveway Area	1,440 sqft
Porch	Porch
Porch Area	1,252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	540 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 6 PBI 10-20
Legal Range	40E
Legal Township	33S
Legal Section	21
Legal Subdivision	OCEANSIDE REPLAT SUB
Legal Lot Number	6
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 July 14, 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	Individual Name on Record
Mailing Address	540 REEF RD, VERO BEACH, FL 32963-2801
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2001 · Amount on Record
Deed Sale	Jul 5, 2001 · Amount on Record
Prior Sale	May 2, 2000 · Amount on Record
Deed Book / Page	1413 / 2129
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Recording Date	Jul 1, 2026
Property Address	540 REEF RD, VERO BEACH, FL 32963-2801
Document Number	0000031599
Book / Page	3871 / 2217
Instrument Date	May 29, 2026
Instrument	202631599
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	540 REEF RD, VERO BEACH, FL 32963-2801

Mortgage

Document Number	0000031599,
Date	Jul 1, 2026
Book Page	3871/2217
Instrument	202631599

Lender

Name	PNC BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Jun 17, 2066

Interest

Rate	6.3%
Max Rate	-1%

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	$18,622.00 (+8.27%) Homeowner's exemption	$1,335,839 (+5.99%)	$2,212,707 (+7.97%) Land $1,618,722 Building $593,985
2023	$17,199.00 (+2.31%)	$1,260,379 (+3%)	$2,049,328 (+8.24%) Land $1,499,447 Building $549,881
2022	$16,810.00	$1,223,669	$1,893,326 Land $1,499,447 Building $393,879

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