645 19th St SW, Vero Beach, FL 32962 Property Records

Indian River County property record for 645 19th St SW, Vero Beach, FL 32962

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,073 sqft · built 1997
Lot Size	0.23 acres (10,019 sqft)
Owner	Owner Name on File
Last Sale	$84,200 (May 1998)
Tax Bill	$947 (2025)
Deeds & Mortgages	Feb 2021 Second Mortgage Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33-39-36-00004-0730-00012.0`

Property Details

APN / Parcel Number

Primary APN	`33-39-36-00004-0730-00012.0`
Alternative APN	`92119`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,073 sqft Living Area
1st Floor Area	1,073 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	115 ft deep x 88 ft wide
Garage Area	440 sqft
Porch	Open Porch
Porch Area	185 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	92119
Street Address	645 19TH ST SW
City	VERO BEACH
State	FL
Zip	32962-7011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	VERO BEACH HIGHLANDS UNIT 3 BLK 73 LOT 12 PBI 8-41
Legal Range	39
Legal Township	33
Legal Section	36
Legal Subdivision	VERO BEACH HIGHLANDS UNIT 3
Legal Block	73
Legal Lot Number	12
Legal Unit	3
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1014
Census Tract	50608

Owner

The current owner of 645 19th St SW bought it in May 1998.

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

Owner of Record	Owner Name on File
Mailing Address	645 19TH ST SW, VERO BEACH, FL 32962-7011
Occupancy	Owner Occupied

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
Feb 25, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MIDFLORIDA CU
Aug 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 1998 · Amount on File
Deed Sale	May 29, 1998 · Amount on File
Deed Document Number	0121201002
Deed Book / Page	01212 / 01002
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	645 19TH ST SW, VERO BEACH, FL 32962-7011
Transaction Type	Mortgage
Record Updated	Mar 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033912261
Date	Feb 25, 2021
Book Page	3391/2261
Instrument	3120210013117

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	645 19TH ST SW, VERO BEACH, FL 32962-7011
Document Number	0031470785
Instrument Date	Aug 30, 2018
Transaction Type	Mortgage
Record Updated	Sep 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 19TH ST SW VERO BEACH FL 329627011, VERO BEACH, FL 32962-7011

Mortgage

Document Number	0031470785
Date	Sep 10, 2018
Book Page	003147/000785
Instrument	55391

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 9, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 645 19th St SW was $947.

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	$947.00	$74,674	$214,930 Land $50,023 Building $164,907
2023	$684.00 (+1.79%)	$70,456 (+3%)	$221,359 (+20.3%) Land $50,023 Building $171,336
2022	$672.00	$68,404	$184,013 Land $28,813 Building $155,200

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

Flood

FEMA maps place 645 19th St SW 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 AE, within 100 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 645 19th 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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