635 20th St SW, Vero Beach, FL 32962 Property Records

Indian River County property record for 635 20th St SW, Vero Beach, FL 32962

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,250 sqft · built 2003
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$139,900 (Jul 2016)
Tax Bill	$3,555 (2025)
Deeds & Mortgages	Jan 2021 Transfer Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33-39-36-00003-0670-00020.0`

Property Details

APN / Parcel Number

Primary APN	`33-39-36-00003-0670-00020.0`
Alternative APN	`92080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,250 sqft Living Area
Gross Area	1,630 sqft
1st Floor Area	1,250 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
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	380 sqft
Driveway	Concrete Driveway
Driveway Area	646 sqft
Porch	Porch
Porch Area	288 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	635 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 20 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	20
Legal Unit	2
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1044
Census Tract	50608

Owner

635 20th St SW is owned and occupied by two individuals who acquired it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	635 20TH ST SW, VERO BEACH, FL 32962-7024
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jan 11, 2021	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 15, 2020	Warranty Deed, Transfer · FHA Mortgage BAYSHORE MORTGAGE FUNDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2016 · Amount on File
Deed Sale	Jul 7, 2016 · Amount on File
Prior Sale	Feb 9, 2016 · Amount on File
Deed Document Number	201638762
Deed Book / Page	2947 / 2283
Last Transfer Date	Jan 8, 2021
Transfer Doc	0033760824
Record Updated	Jun 8, 2026

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jan 11, 2021
Property Address	635 20TH ST SW, VERO BEACH, FL 32962-7024
Document Number	0033760824
Book / Page	003376 / 000824
Instrument Date	Jan 8, 2021
Instrument	1581
Transaction Type	Transfer
Record Updated	Feb 2, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 20TH ST SW VERO BEACH FL 329627024, VERO BEACH, FL 32962-7024

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Oct 15, 2020
Property Address	635 20TH ST SW, VERO BEACH, FL 32962-7024
Document Number	0033480290
Book / Page	3348 / 290
Map Reference	MB 6 PG 70
Instrument Date	Sep 22, 2020
Instrument	3120200062075
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	PARTNERSHIP T&E LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,484.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	635 20TH ST SW, 635, VERO BEACH, FL 32962-7024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 20TH ST SW, VERO BEACH, FL 32962-7024

Mortgage

Document Number	3348292
Date	Oct 15, 2020
Instrument	3348/292

Lender

Name	BAYSHORE MORTGAGE FUNDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 635 20th St SW was $3,555 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	$3,555.00 Homeowner's exemption	$260,867	$266,348 Land $39,844 Building $226,504
2023	$3,211.00 (+8.11%)	$259,046 (+9.77%)	$275,025 (+16.54%) Land $39,844 Building $235,181
2022	$2,970.00	$235,988 Land $22,950 Building $213,038	$235,988 Land $22,950 Building $213,038

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

Flood

FEMA maps place 635 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 635 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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