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646 20th Pl SW, Vero Beach, FL 32962 Property Records

Indian River County property record for 646 20th Pl SW, Vero Beach, FL 32962

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,144 sqft · built 2005
Lot Size0.17 acres (7,405 sqft)
Owner2 Individual Names on File
Last Sale$300,000 (Dec 2023)
Tax Bill$2,868 (2025)
Deeds & MortgagesDec 2023 Sale & Mortgage
Jan 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN33-39-36-00003-0670-00005.0

Property Details

APN / Parcel Number

Primary APN33-39-36-00003-0670-00005.0
Alternative APN
  • 92066

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Total Rooms6 Rooms
Stories1 Story
Building Area1,144 sqft Living Area
Gross Area1,524 sqft
1st Floor Area1,144 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Architectural StyleCustom Design
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area7,405 sqft (0.17 acres)
Lot Dimensions100 ft deep x 75 ft wide
View / LotInterior
Garage TypeAttached
Garage Area380 sqft
DrivewayConcrete Driveway
Driveway Area480 sqft
PorchOpen Porch
Porch Area60 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address646 20TH PL SW
CityVERO BEACH
StateFL
Zip32962-7021
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS-6
Legal DescriptionVERO BEACH HIGHLANDS UNIT 2 REPLAT BLK 67 LOT 5 PBI 6-70
Legal Range39E
Legal Township33S
Legal Section36
Legal SubdivisionVERO BEACH HIGHLANDS UNIT 2 REPLAT
Legal Block67
Legal Lot Number5
Legal Unit2
JurisdictionINDIAN RIVER FL
Township / Civil DivisionVERO BEACH
Census Block Group1
Census Block1044
Census Tract50608

Owner

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 Record2 Individual Names on File
Mailing Address646 20TH PL SW, VERO BEACH, FL 32962-7021
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Dec 1, 2023Warranty Deed, Transfer · Commercial Mortgage
RONALD J KURUSIS ETUX
Jan 4, 2022Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 1, 2023 · Amount on File
Deed SaleDec 1, 2023 · Amount on File
Prior SaleAug 19, 2015 · Amount on File
Deed Document Number202359700
Deed Book / Page3665 / 381
Prior Transfer DateSep 12, 1996
Prior Transfer Doc1134002214
Record UpdatedOct 29, 2026

December 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionINDIAN RIVER FL
Recording DateDec 1, 2023
Property Address646 20TH PL SW, VERO BEACH, FL 32962-7021
Document Number0036650381
Book / Page3665 / 381
Map ReferenceMB 6 PG 70
Instrument DateNov 29, 2023
Instrument3120230059700
Transaction TypeTransfer
Record UpdatedDec 19, 2023
Title CompanyPATCH REEF TITLE COMPANY INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,100.00
Amount AccuracyRounded by County
Additional
  • Notice of Foreclosure Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address175 12TH ST SE, VERO BEACH, FL 32962-5702

Transferred To (Grantee/Buyer)

NameVerified Name
Address646 20TH PL SW, VERO BEACH, FL 32962-7021

Mortgage

Document Number0003665383
DateDec 1, 2023
Instrument3665/383
Lender
NameRONALD J KURUSIS ETUX
TypePrivate Party
Agreement
TypeCommercial Mortgage
AmountAmount on Record
Term36 Months
DueDec 1, 2026

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionINDIAN RIVER FL
Property Address646 20TH PL SW, VERO BEACH, FL 32962-7021
Transaction TypeMortgage
Record UpdatedJan 19, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0034990495
DateJan 4, 2022
Book Page3499/495
Instrument3120220000442
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2052

Tax Assessment & Valuation

Source: Indian River County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyIndian River County
Unified School DistrictIndian River County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,868.00 (-4.02%) Homeowner's exemption$211,999 (-6.87%)$220,686 (-3.06%) Land $39,844 Building $180,842
2023$2,988.00 (+11.95%)$227,647 (+17.98%) Land $39,844 Building $187,803$227,647 (+17.98%) Land $39,844 Building $187,803
2022$2,669.00$192,960 Land $22,950 Building $170,010$192,960 Land $22,950 Building $170,010

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 63 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies63 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

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

Wildfire RiskLow
lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood0.04% annual chance
ExposureNone
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 SystemINDIAN RIVER COUNTY UTILITIES (2 WTPS)
serves 126,893 people · EPA ID FL3314052
Water SourceGroundwater
Last State InspectionJun 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting14
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

ProviderMax 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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