645 20th St SW, Vero Beach, FL 32962 Property Records

Indian River County property record for 645 20th St SW, Vero Beach, FL 32962

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,249 sqft · built 2005
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Mar 2021)
Tax Bill	$4,168 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33-39-36-00003-0670-00022.0`

Property Details

APN / Parcel Number

Primary APN	`33-39-36-00003-0670-00022.0`
Alternative APN	`92082`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,249 sqft Living Area
1st Floor Area	1,249 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Rolled Roofing
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Area	399 sqft
Driveway	Driveway
Driveway Area	800 sqft
Porch	Open Porch
Porch Area	380 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	92082
Street Address	645 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 22 PBI 6-70
Legal Range	39
Legal Township	33
Legal Section	36
Legal Subdivision	VERO BEACH HIGHLANDS UNIT 2 REPLAT
Legal Block	67
Legal Lot Number	22
Legal Unit	2
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1044
Census Tract	50608

Owner

645 20th St SW is owned and occupied by an individual who bought it in March 2021.

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

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	645 20TH ST SW, VERO BEACH, FL 32962-7024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2021 · Amount on File
Deed Sale	Mar 31, 2021 · Amount on File
Prior Sale	Oct 9, 2012
Deed Document Number	3120210022437
Deed Book / Page	3404 / 2349
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Mar 31, 2021
Property Address	645 20TH ST SW, VERO BEACH, FL 32962-7024
Document Number	0034042349
Book / Page	3404 / 2349
Map Reference	MB 6 PG 70
Instrument Date	Mar 29, 2021
Instrument	3120210022437
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	926 17TH PL SW, 926, VERO BEACH, FL 32962-6906

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 20TH ST SW, VERO BEACH, FL 32962-7024

Mortgage

Document Number	34042351
Date	Mar 31, 2021
Instrument	3404/2351

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 645 20th St SW was $4,168.

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	$4,168.00	$264,343 Land $39,844 Building $224,499	$264,343 Land $39,844 Building $224,499
2023	$3,890.00 (+11.37%)	$272,969 (+16.68%) Land $39,844 Building $233,125	$272,969 (+16.68%) Land $39,844 Building $233,125
2022	$3,493.00	$233,940 Land $22,950 Building $210,990	$233,940 Land $22,950 Building $210,990

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

Flood

FEMA maps place 645 20th St SW in Zone X, an area of minimal flood risk.

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
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 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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