635 Iris Ln, Vero Beach, FL 32963 Property Records

Indian River County property record for 635 Iris Ln, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,230 sqft · built 1969
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$470,000 (Oct 2020)
Tax Bill	$6,276 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-40-32-00010-0070-00002.0`

Property Details

APN / Parcel Number

Primary APN	`32-40-32-00010-0070-00002.0`
Alternative APN	`59127`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,230 sqft Living Area
1st Floor Area	2,230 sqft
Flooring	Terrazzo
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	144 ft deep x 90 ft wide
View / Lot	Interior
Garage Area	520 sqft
Driveway	Concrete Driveway
Driveway Area	840 sqft

Exterior Amenities

Pool Area	335 sqft
Porch	Open Porch
Porch Area	223 sqft
Patio Area	380 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	635 IRIS LN
City	VERO BEACH
State	FL
Zip	32963-1859
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	RIVER OAKS ESTATES UNIT 4 BLK 7 LOT 2 PBI 7-52
Legal Range	40E
Legal Township	32S
Legal Section	32
Legal Subdivision	RIVER OAKS ESTATES UNIT 4
Legal Block	7
Legal Lot Number	2
Legal Unit	4
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1045
Census Tract	50504

Owner

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

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
Mailing Address	635 IRIS LN, VERO BEACH, FL 32963-1859
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2020 · Amount on Record
Deed Sale	Oct 5, 2020 · Amount on Record
Prior Sale	Aug 20, 2001 · Amount on Record
Deed Document Number	202059295
Deed Book / Page	3344 / 1610
Prior Transfer Date	May 1, 1997
Prior Transfer Doc	1151002669
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Oct 5, 2020
Property Address	635 IRIS LN, VERO BEACH, FL 32963-1859
Document Number	0033441610
Book / Page	3344 / 1610
Map Reference	MB 7 PG 52
Instrument Date	Sep 30, 2020
Instrument	3120200059295
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	ELITE TTL OF TREASURE COAST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	635 IRIS LN, 635, VERO BEACH, FL 32963-1859

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 IRIS LN, VERO BEACH, FL 32963-1859

Mortgage

Document Number	33441611
Date	Oct 5, 2020
Instrument	3344/1611

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

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	Vero Beach City
Unified School District	Indian River County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,276.00 (+10.34%) Homeowner's exemption	$420,107 (+5.99%)	$682,699 (-3.01%) Land $496,409 Building $186,290
2023	$5,688.00 (+3.08%)	$396,376 (+3%)	$703,906 (+31.19%) Land $496,409 Building $207,497
2022	$5,518.00	$384,831	$536,546 Land $354,578 Building $181,968

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 433 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	622 units insured incl. 189 condo units
Nearby Flood Claims	129 (1979–2024)
Claims Outside the SFHA	59 of 129
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 6 claims Hurricane Irma, Sep 2017 · 5 claims Hurricane Frances, Sep 2004 · 100 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 214 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20