615 20th St SW, Vero Beach, FL 32962 Property Records

Indian River County property record for 615 20th St SW, Vero Beach, FL 32962

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,616 sqft · built 2005
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Trust Names on File
Last Sale	$204,000 (Sep 2019)
Tax Bill	$3,026 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Sep 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`33-39-36-00003-0670-00016.0`

Property Details

APN / Parcel Number

Primary APN	`33-39-36-00003-0670-00016.0`
Alternative APN	`92076`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,616 sqft Living Area
Gross Area	2,036 sqft
1st Floor Area	1,616 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	100 ft deep x 75 ft wide
View / Lot	Interior
Garage Type	Attached
Garage Area	420 sqft
Driveway	Concrete Driveway
Driveway Area	510 sqft
Porch	Open Porch
Porch Area	144 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	615 20TH ST SW
City	VERO BEACH
State	FL
Zip	32962-7024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	VERO BEACH HIGHLANDS UNIT 2 REPLAT BLK 67 LOT 16 PBI 6-70
Legal Range	39E
Legal Township	33S
Legal Section	36
Legal Subdivision	VERO BEACH HIGHLANDS UNIT 2 REPLAT
Legal Block	67
Legal Lot Number	16
Legal Unit	2
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1044
Census Tract	50608

Owner

615 20th St SW is owner-occupied and held in a trust since September 2019.

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

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

Owner of Record	2 Trust Names on File
Mailing Address	615 20TH ST SW, VERO BEACH, FL 32962-7024
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2024	Deed of Trust, Mortgage · Commercial Mortgage FLORIDA DEPARTMENT OF COMMERCE
Sep 10, 2019	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Apr 19, 2017	Grant Deed, Transfer STEWART LENDER SERVICES, STEWART LENDER SVCS
Feb 9, 2017	Grant Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2019 · Amount on File
Deed Sale	Sep 10, 2019 · Amount on File
Prior Sale	Apr 19, 2017 · Amount on File
Deed Document Number	201952757
Deed Book / Page	3236 / 1413
Prior Transfer Date	Sep 18, 2012
Prior Transfer Doc	0026161139
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	615 20TH ST SW, VERO BEACH, FL 32962-7024
Transaction Type	Mortgage
Record Updated	May 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 20TH ST SW, VERO BEACH, FL 32962-7024

Mortgage

Document Number	0036840437
Date	Mar 15, 2024
Book Page	3684/437
Instrument	3120240012126

Lender

Name	FLORIDA DEPARTMENT OF COMMERCE
Type	Non-Lending Institution
Address	1351 N GADSDEN ST, TALLAHASSEE, FL 32303

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Sep 10, 2019
Property Address	615 20TH ST SW, VERO BEACH, FL 32962-7024
Document Number	0032361413
Book / Page	003236 / 001413
Instrument Date	Sep 4, 2019
Instrument	52757
Transaction Type	Transfer
Record Updated	Sep 19, 2019
Title Company	STATE LUCIE TITLE SERVICES INC, ST LUCIE TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,428.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 20TH ST SW VERO BEACH FL 329627024, VERO BEACH, FL 32962-7024

Mortgage

Document Number	32361414
Date	Sep 10, 2019
Book Page	003236/001414
Instrument	52758

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2049

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Apr 19, 2017
Property Address	615 20TH ST SW, VERO BEACH, FL 32962-7024
Document Number	0030161671
Book / Page	003016 / 001671
Instrument Date	Apr 14, 2017
Instrument	21016
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	STEWART LENDER SERVICES, STEWART LENDER SVCS

Transaction

Amount	Amount on Record
Tax	$979.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 20TH ST SW VERO BEACH FL 329627024, VERO BEACH, FL 32962-7024

February 2017: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Feb 9, 2017
Property Address	615 20TH ST SW, VERO BEACH, FL 32962-7024
Document Number	0030001379
Book / Page	003000 / 001379
Instrument Date	Feb 8, 2017
Instrument	7395
Transaction Type	Foreclosure
Record Updated	Mar 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	14221 DALLAS PKWY #1000 DALLAS TX 752542946, 1000, DALLAS, TX 75254-2946
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 615 20th St SW was $3,026 with a homeowner's exemption.

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	$3,026.00 Homeowner's exemption	$223,239	$293,291 Land $39,844 Building $253,447
2023	$2,599.00 (+4.55%)	$210,628 (+4.52%)	$302,978 (+17.76%) Land $39,844 Building $263,134
2022	$2,486.00	$201,516	$257,291 Land $22,950 Building $234,341

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

Flood

FEMA maps place 615 20th St SW in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 63 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	63 in force

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 615 20th St SW is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.04% 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	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 282 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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