590 Reef Rd, Vero Beach, FL 32963 Property Records

Indian River County property record for 590 Reef Rd, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,142 sqft · built 1993
Lot Size	0.76 acres (33,106 sqft)
Owner	Individual Name on Record
Last Sale	$3,945,000 (May 2021)
Tax Bill	$62,195 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`33-40-21-00009-0000-00003.1`

Property Details

APN / Parcel Number

Primary APN	`33-40-21-00009-0000-00003.1`
Alternative APN	`99035`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	4,142 sqft Living Area
1st Floor Area	3,130 sqft
2nd Floor Area	1,012 sqft
Interior Walls	Wallboard/Drywall
Fireplace	2 Story

Exterior

Year Built	Built 1993
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Retaining Wall
Roof Type	Hip
Roof Material	Clay Tile
Lot Area	33,106 sqft (0.76 acres)
Lot Dimensions	358 ft deep x 96 ft wide
Garage Area	441 sqft
Driveway	Driveway
Driveway Area	2,559 sqft

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	1,687 sqft
Patio Area	736 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	99035
Street Address	590 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 REPLAT PBI 10-20 A POR OF LOTS 2, 3 AND 4 MORE PAR DESC AS FOLL COM AT THE SW COR OF LOT 3 TH PROCEED S09-09-46E
Legal Range	40
Legal Township	33
Legal Section	21
Legal Subdivision	OCEANSIDE REPLAT SUB
Legal Lot Number	2-3 3
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 March 5, 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 Record
Co-owner	Co-owner on Record
Mailing Address	3816 NW CREEKSIDE DR, VANCOUVER, WA 98685-1195
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2021 · Amount on Record
Deed Sale	May 28, 2021 · Amount on Record
Prior Sale	Apr 4, 2002 · Amount on Record
Deed Document Number	0034271651
Deed Book / Page	3427 / 1651
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	May 28, 2021
Property Address	590 REEF RD, VERO BEACH, FL 32963-2801
Document Number	0034271651
Book / Page	3427 / 1651
Map Reference	MB 10 PG 20
Instrument Date	May 28, 2021
Instrument	3120210039051
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$27,615.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3816 NW CREEKSIDE DR, VANCOUVER, WA 98685-1195

Mortgage

Document Number	34271653
Date	May 28, 2021
Instrument	3427/1653

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

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	$62,195.00 (+15.93%)	$4,397,145 (+8.11%) Land $1,666,762 Building $2,730,383	$4,397,145 (+8.11%) Land $1,666,762 Building $2,730,383
2023	$53,651.00 (+14.12%)	$4,067,251 (+21.86%) Land $1,543,927 Building $2,523,324	$4,067,251 (+21.86%) Land $1,543,927 Building $2,523,324
2022	$47,013.00	$3,337,568 Land $1,543,927 Building $1,793,641	$3,337,568 Land $1,543,927 Building $1,793,641

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