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  5. 40th Ave

5531 40th Ave, Vero Beach, FL 32967 Property Records

Indian River County property record for 5531 40th Ave, Vero Beach, FL 32967

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 2,958 sqft · built 2017
Lot Size0.189 acres (8,276 sqft)
OwnerIndividual Name on File
Last Sale$415,000 (Aug 2020)
Tax Bill$5,227 (2025)
Deeds & MortgagesApr 2021 Mortgage
Aug 2020 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN32-39-15-00003-0000-00187.0

Property Details

APN / Parcel Number

Primary APN32-39-15-00003-0000-00187.0
Alternative APN
  • 44831

Interior

Bedrooms4 Beds
Full Baths4 Baths
Plumbing Fixtures15 Plumbing Fixtures
Building Area2,958 sqft Living Area
2nd Floor Area1,239 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Exterior MaterialConcrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeHip
Roof MaterialClay Tile
Lot Area8,276 sqft (0.189 acres)
Lot Dimensions150 ft deep x 55 ft wide
Garage Area626 sqft
DrivewayDriveway
Driveway Area792 sqft

Exterior Amenities

Pool Area312 sqft
PorchOpen Porch
Patio Area568 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number44831
Street Address5531 40TH AVE
CityVERO BEACH
StateFL
Zip32967-2468
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS-6
Legal DescriptionVEROLAGO PHASE 4 LOT 187 PBI 20-38
Legal Range39
Legal Township32
Legal Section15
Legal SubdivisionVEROLAGO PHASE 4
Legal Phase4
Legal Lot Number187
JurisdictionINDIAN RIVER FL
Township / Civil DivisionVERO BEACH
Census Block Group1
Census Block1007
Census Tract50811

Owner

5531 40th Ave is owned and occupied by an individual who bought it in August 2020.

Source: Indian River County records, as of March 5, 2026

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address5531 40TH AVE, VERO BEACH, FL 32967-2468
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Apr 12, 2021Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP
Aug 5, 2020Warranty Deed, Transfer · VA Mortgage
ACADEMY MORTGAGE CORP
Oct 2, 2017Grant Deed, Subdivision Related Transfer · VA Mortgage
US MTG/FL
Feb 10, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 5, 2020 · Amount on File
Deed SaleAug 5, 2020 · Amount on File
Prior SaleOct 2, 2017 · Amount on File
Deed Document Number3120200044867
Deed Book / Page3325 / 1046
Record UpdatedJun 8, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionINDIAN RIVER FL
Property Address5531 40TH AVE, VERO BEACH, FL 32967-2468
Transaction TypeMortgage
Record UpdatedApr 22, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address5531 40TH AVE, VERO BEACH, FL 32967-2468

Mortgage

Document Number0034090339
DateApr 12, 2021
Book Page3409/339
Instrument3120210025375
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeVA Mortgage
AmountAmount on Record
Term354 Months
DueOct 1, 2050

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionINDIAN RIVER FL
Recording DateAug 5, 2020
Property Address5531 40TH AVE, VERO BEACH, FL 32967-2468
Document Number0033251046
Book / Page3325 / 1046
Map ReferenceMB 20 PG 38
Instrument DateJul 22, 2020
Instrument3120200044867
Transaction TypeTransfer
Record UpdatedDec 6, 2021
Title CompanyTREASURE COAST TTL & SETMNT

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,905.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address325 NW 205TH TER, 325, MIAMI, FL 33169-2532

Transferred To (Grantee/Buyer)

NameVerified Name
Address3007 FIR AVE, CARRABASSETT VALLEY, ME 04947-5906

Mortgage

Document Number33251048
DateAug 5, 2020
Instrument3325/1048
Lender
NameACADEMY MORTGAGE CORP
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueAug 1, 2050

October 2017: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionINDIAN RIVER FL
Recording DateOct 2, 2017
Property Address5531 40TH AVE, VERO BEACH, FL 32967-2468
Document Number0030591208
Book / Page003059 / 001208
Instrument DateSep 29, 2017
Instrument56428
Transaction TypeSubdivision Related Transfer
Record UpdatedNov 20, 2018
Title CompanyRTC TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,692.20
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address5531 40TH AVE VERO BEACH FL 329672468, VERO BEACH, FL 32967-2468

Mortgage

Document Number30591210
DateOct 2, 2017
Book Page003059/001210
Instrument56429
Lender
NameUS MTG/FL
TypeMortgage Company
AddressBOCA RATON, FL 33431
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueOct 1, 2047

February 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionINDIAN RIVER FL
Recording DateFeb 10, 2017
Property Address5531 40TH AVE, VERO BEACH, FL 32967-2468
Document Number0030002111
Book / Page003000 / 002111
Instrument DateFeb 9, 2017
Instrument7664
Transaction TypeTransfer
Record UpdatedMar 21, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2 POST RD W WESTPORT CT 068804203, WESTPORT, CT 06880-4203

Tax Assessment & Valuation

The 2025 property tax bill for 5531 40th Ave was $5,227.

Source: Indian River County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyIndian River County
Unified School DistrictIndian River County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,227.00$383,260$591,322 Land $46,750 Building $544,572
2023$4,658.00 (+2.58%)$361,610 (+3%)$586,811 (+18.24%) Land $38,250 Building $548,561
2022$4,541.00$351,077$496,291 Land $38,250 Building $458,041

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

Flood

FEMA maps place 5531 40th Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective May 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 94 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies94 in force
Nearby Flood Claims1 (2024)
Claims Outside the SFHA1 of 1
Most Recent ClaimOct 2024 · Hurricane Milton

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 5531 40th Ave is moderate, ranking above 58% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire RiskModerate
above 58% of the US · lower than 69% of Florida
Wildfire Likelihood0.1% annual chance
ExposureNone
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 SystemINDIAN RIVER COUNTY UTILITIES (2 WTPS)
serves 126,893 people · EPA ID FL3314052
Water SourceGroundwater
Last State InspectionJun 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting14
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 234 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless, DSL in parts of the area		5,000 / 5,000
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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