630 20th St SW, Vero Beach, FL 32962 Property Records

Indian River County property record for 630 20th St SW, Vero Beach, FL 32962

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,276 sqft · built 2003
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$269,000 (Nov 2021)
Tax Bill	$4,084 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-39-36-00003-0680-00006.0`

Property Details

APN / Parcel Number

Primary APN	`33-39-36-00003-0680-00006.0`
Alternative APN	`92085`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,276 sqft Living Area
1st Floor Area	1,276 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Shingle
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Area	380 sqft
Driveway	Driveway
Driveway Area	629 sqft
Porch	Open Porch
Porch Area	274 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	92085
Street Address	630 20TH ST SW
City	VERO BEACH
State	FL
Zip	32962-7023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	VERO BEACH HIGHLANDS UNIT 2 REPLAT BLK 68 LOT 6 PBI 6-70
Legal Range	39
Legal Township	33
Legal Section	36
Legal Subdivision	VERO BEACH HIGHLANDS UNIT 2 REPLAT
Legal Block	68
Legal Lot Number	6
Legal Unit	2
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1013
Census Tract	50608

Owner

630 20th St SW is owned by an individual who bought it in November 2021.

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

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	Individual Name on File
Mailing Address	299 BIRCH DR SW, LABELLE, FL 33935-9437
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2021	Deed of Trust, Mortgage · VA Mortgage CME LENDING GROUP LLC
Nov 19, 2021	Warranty Deed, Transfer · VA Mortgage CME LENDING GROUP LLC
Dec 31, 2020	Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2021 · Amount on File
Deed Sale	Nov 19, 2021 · Amount on File
Prior Sale	Dec 31, 2020 · Amount on File
Deed Document Number	3120210080241
Deed Book / Page	3485 / 450
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	630 20TH ST SW, VERO BEACH, FL 32962-7023
Transaction Type	Mortgage
Record Updated	Dec 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	502 WILLIAMS AVE, LEHIGH ACRES, FL 33972-7951

Mortgage

Document Number	0034902288
Date	Dec 9, 2021
Book Page	3490/2288
Instrument	3120210084298

Lender

Name	CME LENDING GROUP LLC
Type	Mortgage Company
Address	CHESTERTON, IN 46304

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Nov 19, 2021
Property Address	630 20TH ST SW, VERO BEACH, FL 32962-7023
Document Number	0034850450
Book / Page	3485 / 450
Map Reference	MB 6 PG 70
Instrument Date	Nov 17, 2021
Instrument	3120210080241
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	DEPENDABLE TITLE SERVICES/FL INC, DEPENDABLE TTL SVCS OF FL IN

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,883.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 601, WYALUSING, PA 18853-0601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	299 BIRCH DR SW, LABELLE, FL 33935-9437

Mortgage

Document Number	3485452
Date	Nov 19, 2021
Instrument	3485/452

Lender

Name	CME LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Dec 31, 2020
Property Address	630 20TH ST SW, VERO BEACH, FL 32962-7023
Document Number	0033740180
Book / Page	003374 / 000180
Instrument Date	Dec 28, 2020
Instrument	80042
Transaction Type	Transfer
Record Updated	Jan 21, 2021
Title Company	OCEANSIDE TITLE AND ESCROW, OCEANSIDE TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,603.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	630 20TH ST SW VERO BEACH FL 329627023, VERO BEACH, FL 32962-7023

Mortgage

Document Number	33740181
Date	Dec 31, 2020
Book Page	003374/000181
Instrument	80043

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 30, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 630 20th St SW was $4,084.

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	$4,084.00	$258,366 Land $39,844 Building $218,522	$258,366 Land $39,844 Building $218,522
2023	$3,805.00 (+11.35%)	$266,713 (+16.71%) Land $39,844 Building $226,869	$266,713 (+16.71%) Land $39,844 Building $226,869
2022	$3,417.00	$228,521 Land $22,950 Building $205,571	$228,521 Land $22,950 Building $205,571

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

Flood

FEMA maps place 630 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 630 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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