640 20th St SW, Vero Beach, FL 32962 Property Records

Indian River County property record for 640 20th St SW, Vero Beach, FL 32962

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,209 sqft · built 2004
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Nov 2022)
Tax Bill	$3,357 (2025)
Deeds & Mortgages	Nov 2022 Sale Feb 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`33-39-36-00003-0680-00004.0`

Property Details

APN / Parcel Number

Primary APN	`33-39-36-00003-0680-00004.0`
Alternative APN	`92083`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,209 sqft Living Area
Gross Area	1,785 sqft
1st Floor Area	1,209 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Metal
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	100 ft deep x 80 ft wide
View / Lot	Interior
Garage Type	Attached
Garage Area	440 sqft
Driveway	Concrete Driveway
Driveway Area	881 sqft
Porch	Screened Porch
Porch Area	258 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	640 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 4 PBI 6-70
Legal Range	39E
Legal Township	33S
Legal Section	36
Legal Subdivision	VERO BEACH HIGHLANDS UNIT 2 REPLAT
Legal Block	68
Legal Lot Number	4
Legal Unit	2
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1013
Census Tract	50608

Owner

640 20th St SW is owned and occupied by an individual who bought it in November 2022.

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	Individual Name on File
Mailing Address	640 20TH ST SW, VERO BEACH, FL 32962-7023
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Warranty Deed, Transfer FIRST INTERNATIONAL TITLE
Feb 19, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2022 · Amount on File
Deed Sale	Nov 14, 2022 · Amount on File
Prior Sale	Nov 21, 2014 · Amount on File
Deed Document Number	202266402
Deed Book / Page	3583 / 25
Prior Transfer Date	Nov 21, 2019
Prior Transfer Doc	0032780953
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Nov 14, 2022
Property Address	640 20TH ST SW, VERO BEACH, FL 32962-7023
Document Number	0035830025
Book / Page	3583 / 25
Map Reference	MB 6 PG 70
Instrument Date	Nov 8, 2022
Instrument	3120220066402
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$2,135.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	908 JACKSON WAY, 908, HUTCHINSON ISLAND, FL 34949-8519

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 20TH ST SW, VERO BEACH, FL 32962-7023

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Feb 19, 2020
Property Address	640 20TH ST SW, VERO BEACH, FL 32962-7023
Document Number	0032780953
Book / Page	003278 / 000953
Instrument Date	Nov 21, 2019
Instrument	10343
Transaction Type	Transfer
Record Updated	Mar 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	908 JACKSON WAY HUTCHINSON ISLAND FL 349498519, HUTCHINSON ISLAND, FL 34949-8519

Tax Assessment & Valuation

The 2025 property tax bill for 640 20th St SW was $3,357 with exemptions applied.

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	$3,357.00 Homeowner's exemption Senior Citizen's exemption	$259,436 Land $42,500 Building $216,936	$259,436 Land $42,500 Building $216,936
2023	$3,943.00 (+25.77%)	$267,788 (+16.12%) Land $42,500 Building $225,288	$267,788 (+16.12%) Land $42,500 Building $225,288
2022	$3,135.00	$230,611 Land $24,480 Building $206,131	$230,611 Land $24,480 Building $206,131

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

Flood

FEMA maps place 640 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 640 20th St SW is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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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