604 Ocean Rd, Vero Beach, FL 32963 Property Records

Indian River County property record for 604 Ocean Rd, Vero Beach, FL 32963

Property Summary

Property Type	Residential Vacant Land
Details	4 bd · 5 ba · 11,063 sqft · built 2022
Lot Size	2.52 acres (109,771 sqft)
Owner	Company Name on Record
Tax Bill	$147,474 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Jun 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`32-40-06-00001-0000-00002.0`

Property Details

APN / Parcel Number

Primary APN	`32-40-06-00001-0000-00002.0`
Alternative APN	`54640`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Total Rooms	12 Rooms
Stories	3 Stories
Building Area	11,063 sqft Living Area
Gross Area	12,151 sqft
1st Floor Area	5,991 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete Block
Roof Type	Hip
Roof Material	Tile
Lot Area	109,771 sqft (2.52 acres)
Lot Dimensions	386 ft deep x 120 ft wide
View / Lot	Ocean
Garage Type	Attached
Garage Area	1,088 sqft
Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	604 OCEAN RD
City	VERO BEACH
State	FL
Zip	32963-3516
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	R-1A
Legal Description	JOHNS ISLAND PLAT 9 PBI 9 - 49 LOTS 2 AND 3
Legal Range	40E
Legal Township	32S
Legal Section	06
Legal Subdivision	JOHNS ISLAND PLAT 9
Legal Lot Number	2,3
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1002
Census Tract	50507

Owner

Source: Indian River County records, as of April 14, 2026

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

Owner of Record	Company Name on Record
Mailing Address	99 INDIAN HILL RD, WINNETKA, IL 60093-3933
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA
Jun 29, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Apr 10, 2017	Grant Deed, Mortgage · Line of Credit KEYBANK USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 11, 2007
Transfer Doc	0022312193
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	604 OCEAN RD, VERO BEACH, FL 32963-3516
Transaction Type	Mortgage
Record Updated	Jan 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	99 INDIAN HILL RD, WINNETKA, IL 60093-3933

Mortgage

Document Number	0035672146
Date	Aug 31, 2022
Book Page	3567/2146
Instrument	3120220053967

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Sep 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.5%
Index	Other
Max Rate	8.5%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jun 29, 2020
Property Address	604 OCEAN RD, INDIAN RIVER SHORES, FL 32963
Document Number	0033140844
Book / Page	003314 / 000844
Instrument Date	Jun 29, 2020
Instrument	36619
Transaction Type	Transfer
Record Updated	Jul 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$59,500.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	99 INDIAN HILL RD WINNETKA IL 600933933, WINNETKA, IL 60093-3933

April 2017: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Apr 10, 2017
Property Address	604 OCEAN RD, INDIAN RIVER SHORES, FL 32963
Document Number	0030140465
Book / Page	003014 / 000465
Instrument Date	Dec 22, 2016
Instrument	18880
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	15520 WINDMILL POINTE DR GROSSE POINTE PARK MI 482301857, GROSSE POINTE PARK, MI 48230-1857

Mortgage

Document Number	30140465
Date	Apr 10, 2017
Book Page	003014/000465
Instrument	18880

Lender

Name	KEYBANK USA
Type	Bank
Address	4910 TIEDEMAN RD # C, BROOKLYN, OH 44144-2338

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Indian River County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Indian River County
Municipality	Indian River Shores Town
Unified School District	Indian River County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$147,474.00 (+170.37%)	$15,443,757 (+187.61%) Land $15,438,115 Building $5,642	$15,443,757 (+187.61%) Land $15,438,115 Building $5,642
2023	$54,545.00 (+25.97%)	$5,369,645 (+42.91%) Land $5,363,946 Building $5,699	$5,369,645 (+42.91%) Land $5,363,946 Building $5,699
2022	$43,300.00	$3,757,313 Land $3,757,313	$3,757,313 Land $3,757,313

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
Nearest Special Flood Hazard Area	Zone VE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 816 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,394 units insured incl. 578 condo units
Nearby Flood Claims	2 (2022–2024)
Most Recent Claim	Oct 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

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

Wildfire Risk	Not rated no burnable land within 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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