Indian River County property record for 640 Reef Rd, Vero Beach, FL 32963
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 7 ba · 8,177 sqft · built 2016 |
| Lot Size | 1.09 acres (47,480 sqft) |
| Owner | Company Name on File |
| Last Sale | $11,682,800 (Dec 2025) |
| Tax Bill | $137,868 (2025) |
| Deeds & Mortgages | Dec 2025 Sale Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-40-22-00000-0010-00009.1 |
| Primary APN | 33-40-22-00000-0010-00009.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 7 Baths |
| Plumbing Fixtures | 28 Plumbing Fixtures |
| Total Rooms | 13 Rooms |
| Stories | 2 Stories |
| Building Area | 8,177 sqft Living Area |
| Gross Area | 9,805 sqft |
| 1st Floor Area | 5,375 sqft |
| 2nd Floor Area | 2,802 sqft |
| Utility Room | Utility Room |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Concrete Block |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 47,480 sqft (1.09 acres) |
| Lot Dimensions | 359 ft deep x 104 ft wide |
| View / Lot | Ocean |
| Garage Type | Attached |
| Garage Area | 1,628 sqft |
| Driveway | Brick Driveway |
| Driveway Area | 3,750 sqft |
| Pool Area | 1 sqft |
| Porch | Open Porch |
| Patio Area | 177 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 640 REEF RD |
|---|---|
| City | VERO BEACH |
| State | FL |
| Zip | 32963-2803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-3 |
| Legal Description | SEC 22 TWP 33 RNG 40 GOVT LOT 1 BEING THE N 102 FT OF THE S 610 FT LYING E OF REEF RD |
| Legal Range | 40E |
| Legal Township | 33S |
| Legal Section | 22 |
| Legal Subdivision | NULL |
| Legal Lot Number | 1 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 50509 |
640 Reef Rd is owned by a company that bought it in December 2025.
Source: Indian River County records, as of April 2, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 979 BEACHLAND BLVD, VERO BEACH, FL 32963-1688 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 16, 2025 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Apr 27, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIRST REPUBLIC BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 16, 2025 · Amount on File |
| Deed Sale | Dec 16, 2025 · Amount on File |
| Prior Sale | Apr 27, 2021 · Amount on File |
| Deed Document Number | 202561553 |
| Deed Book / Page | 3825 / 1592 |
| Prior Transfer Date | Dec 20, 2013 |
| Prior Transfer Doc | 0027260767 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Dec 16, 2025 |
| Property Address | 640 REEF RD, VERO BEACH, FL 32963-2803 |
| Document Number | 0038251592 |
| Book / Page | 3825 / 1592 |
| Instrument Date | Dec 16, 2025 |
| Instrument | 3120250061553 |
| Transaction Type | Transfer |
| Record Updated | Dec 29, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $81,779.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 811 FLAMEVINE LN, VERO BEACH, FL 32963-1904 |
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Apr 27, 2021 |
| Property Address | 640 REEF RD, VERO BEACH, FL 32963-2803 |
| Document Number | 0034142191 |
| Book / Page | 3414 / 2191 |
| Instrument Date | Apr 26, 2021 |
| Instrument | 3120210029687 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $53,900.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 640 REEF RD, 640, VERO BEACH, FL 32963-2803 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 25000 MUREAU RD, HIDDEN HILLS, CA 91302-1148 |
| Document Number | 34142193 |
|---|---|
| Date | Apr 27, 2021 |
| Instrument | 3414/2193 |
| Name | FIRST REPUBLIC BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.95% |
| Type Change Date | May 1, 2031 |
| Change Frequency | Monthly |
| Index | Other |
| Max Rate | 10.9% |
The 2025 property tax bill for 640 Reef Rd was $137,868.
Source: Indian River County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Unified School District | Indian River County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $137,868.00 | $9,993,303 Land $2,419,168 Building $7,574,135 | $9,993,303 Land $2,419,168 Building $7,574,135 |
| 2023 | $118,567.00 (+16.49%) | $9,232,227 (+27.42%) Land $2,240,600 Building $6,991,627 | $9,232,227 (+27.42%) Land $2,240,600 Building $6,991,627 |
| 2022 | $101,781.00 | $7,245,782 Land $2,240,600 Building $5,005,182 | $7,245,782 Land $2,240,600 Building $5,005,182 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 640 Reef Rd in Zone X, an area of minimal flood risk, within 100 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 VE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 166 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 467 units insured incl. 301 condo units |
| Nearby Flood Claims | 2 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
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.
The area around 640 Reef Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T DSL | 100 / 20 |
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