Indian River County property record for 545 E Forest Trl, Vero Beach, FL 32962
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,860 sqft · built 1986 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on File |
| Last Sale | $245,000 (Aug 2004) |
| Tax Bill | $2,106 (2025) |
| Deeds & Mortgages | Jan 2023 Second Mortgage Sep 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-40-19-00008-0000-00037.0 |
| Primary APN | 33-40-19-00008-0000-00037.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,860 sqft Living Area |
| Gross Area | 2,322 sqft |
| 1st Floor Area | 1,860 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Custom Design |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 108 ft deep x 100 ft wide |
| View / Lot | Interior |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,320 sqft |
| Pool Area | 450 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 684 sqft |
| Patio Area | 723 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 545 E FOREST TRL |
|---|---|
| City | VERO BEACH |
| State | FL |
| Zip | 32962-4650 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-6 |
| Legal Description | FOREST PARK UNIT 2 LOT 37 PBI 10-66 |
| Legal Range | 40E |
| Legal Township | 33S |
| Legal Section | 19 |
| Legal Subdivision | VISTA ROYALES FOREST PARK S/D UNIT TWO |
| Legal Lot Number | 37 |
| Legal Unit | 2 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 50604 |
Source: Indian River County records · APN 33-40-19-00008-0000-00037.0
Assessment roll updated December 8, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 545 E FOREST TRL, VERO BEACH, FL 32962-4650 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 17, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Sep 30, 2017 | Loan Modification, Mortgage · Conventional Mortgage DITECH FIN'L |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 19, 2004 · Amount on Record |
| Deed Sale | Aug 19, 2004 · Amount on Record |
| Prior Sale | Jun 27, 2001 · Amount on Record |
| Deed Document Number | 20041570529 |
| Deed Book / Page | 1773 / 1170 |
| Last Transfer Date | Sep 06, 2006 |
| Transfer Doc | 0021320542 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 545 E FOREST TRL, VERO BEACH, FL 32962-4650 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2023 |
| Name | Verified Name |
|---|---|
| Address | 545 E FOREST TRL, VERO BEACH, FL 32962-4650 |
| Document Number | 0035941885 |
|---|---|
| Date | Jan 17, 2023 |
| Book Page | 3594/1885 |
| Instrument | 3120230002052 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 17, 2043 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 545 E FOREST TRL, VERO BEACH, FL 32962-4650 |
| Document Number | 0030941041 |
| Instrument Date | Sep 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2018 |
| Name | Verified Name |
|---|---|
| Address | 545 E FOREST TRL |
| Document Number | 0030941041 |
|---|---|
| Date | Feb 22, 2018 |
| Book Page | 003094/001041 |
| Instrument | 10622 |
| Name | DITECH FIN'L |
|---|---|
| Address | TEMPE, AZ 85284 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 468 Months |
| Due | Feb 21, 2057 |
Source: Indian River County records · Assessment roll updated December 8, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Unified School District | Indian River County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,106.00 (+2%) Homeowner's exemption | $163,866 (+5.99%) | $390,425 (-1.05%) Land $59,500 Building $330,925 |
| 2023 | $1,755.00 (+3.17%) | $154,610 (+3%) | $394,561 (+19.43%) Land $59,500 Building $335,061 |
| 2022 | $1,701.00 | $150,107 | $330,369 Land $42,500 Building $287,869 |
Source: FEMA National Flood Hazard Layer, Indian River County (12061C), updated May 13, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120610506041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 52 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 52 in force |
| Nearby Flood Claims | 17 (1979–2018) |
| Claims Outside the SFHA | 11 of 17 |
| Most Recent Claim | May 2018 · other causes |
| Claims by Event |
|
| Wildfire Risk | Moderate above 47% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 51 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | INDIAN RIVER COUNTY UTILITIES (2 WTPS) serves 126,893 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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