545 38th Ave, Vero Beach, FL 32968 Property Records

Indian River County property record for 545 38th Ave, Vero Beach, FL 32968

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,226 sqft · built 2003
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Aug 2021)
Tax Bill	$1,845 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Aug 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`33-39-15-00005-0001-00006.0`

Property Details

APN / Parcel Number

Primary APN	`33-39-15-00005-0001-00006.0`
Alternative APN	`79451`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,226 sqft Living Area
Gross Area	1,473 sqft
1st Floor Area	1,226 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	100 ft deep x 50 ft wide
View / Lot	Interior
Garage Type	Attached
Garage Area	247 sqft
Driveway	Brick Driveway
Driveway Area	528 sqft
Porch	Open Porch
Porch Area	117 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	545 38TH AVE
City	VERO BEACH
State	FL
Zip	32968-1928
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	CLEMANN ESTATES UNIT NO 1 BLK A LOT 6 PBI 3-63
Legal Range	39E
Legal Township	33S
Legal Section	15
Legal Subdivision	CLEMANN ESTATES UNIT NO 1
Legal Block	A
Legal Lot Number	6
Legal Unit	NO
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	3
Census Block	3005
Census Tract	50702

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	545 38TH AVE, VERO BEACH, FL 32968-1928
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2021	Warranty Deed, Transfer · Conventional Mortgage GROUP ONE MORTGAGE INC
Aug 19, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2021 · Amount on Record
Deed Sale	Aug 17, 2021 · Amount on Record
Prior Sale	Oct 18, 2011 · Amount on Record
Deed Document Number	202158798
Deed Book / Page	3455 / 262
Prior Transfer Date	Aug 8, 2005
Prior Transfer Doc	0019340124
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Aug 17, 2021
Property Address	545 38TH AVE, VERO BEACH, FL 32968-1928
Document Number	0034550262
Book / Page	3455 / 262
Map Reference	MB 3 PG 63&64
Instrument Date	Aug 13, 2021
Instrument	3120210058798
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	PROFESSIONAL TITLE, PROFESSIONAL TTL OF TREASURE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	618 ORANGE AVE, 618, SEBASTIAN, FL 32958-4069

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 38TH AVE, VERO BEACH, FL 32968-1928

Mortgage

Document Number	3455263
Date	Aug 17, 2021
Instrument	3455/263

Lender

Name	GROUP ONE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Aug 19, 2020
Property Address	545 38TH AVE, VERO BEACH, FL 32968-1928
Document Number	0033300200
Book / Page	003330 / 000200
Instrument Date	Aug 11, 2020
Instrument	48412
Transaction Type	Transfer
Record Updated	Aug 27, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	545 38TH AVE VERO BEACH FL 329681928, VERO BEACH, FL 32968-1928

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	$1,845.00 (+23.66%) Homeowner's exemption Disabled Person's exemption	$147,498 (+5.99%)	$223,260 (+3.47%) Land $19,338 Building $203,922
2023	$1,492.00 (-0.86%)	$139,166 (+3%)	$215,772 (+15.62%) Land $19,338 Building $196,434
2022	$1,505.00	$135,113	$186,621 Land $19,338 Building $167,283

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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