646 32nd Ter, Vero Beach, FL 32968 Property Records

Indian River County property record for 646 32nd Ter, Vero Beach, FL 32968

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,042 sqft · built 1976
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Dec 1997)
Tax Bill	$2,493 (2025)
Deeds & Mortgages	Mar 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`33-39-15-00014-0000-00005.0`

Property Details

APN / Parcel Number

Primary APN	`33-39-15-00014-0000-00005.0`
Alternative APN	`80043`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,042 sqft Living Area
Gross Area	2,928 sqft
1st Floor Area	2,042 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Custom Design
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	47,916 sqft (1.1 acres)
Lot Dimensions	300 ft deep x 160 ft wide
View / Lot	Interior
Garage Type	Attached
Garage Area	576 sqft
Driveway	Concrete Driveway
Driveway Area	1,150 sqft

Exterior Amenities

Pool Area	512 sqft
Porch	Screened Porch
Porch Area	406 sqft
Patio Area	553 sqft
Utility Building	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	646 32ND TER
City	VERO BEACH
State	FL
Zip	32968-1228
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	SUBURBAN ACRES SUBDIVISION LOT 5 PBI 9-32
Legal Range	39E
Legal Township	33S
Legal Section	15
Legal Subdivision	SUBURBAN ACRES SUBDIVISION
Legal Lot Number	5
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	3
Census Block	3005
Census Tract	50702

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 Record	2 Individual Names on Record
Mailing Address	646 32ND TER, VERO BEACH, FL 32968-1228
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 1997 · Amount on Record
Deed Sale	Dec 18, 1997 · Amount on Record
Deed Book / Page	1184 / 2709
Last Transfer Date	Apr 21, 2010
Transfer Doc	0024182158
Record Updated	Jun 8, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	646 32ND TER, VERO BEACH, FL 32968-1228
Document Number	0031031287
Instrument Date	Mar 19, 2018
Transaction Type	Mortgage
Record Updated	May 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0031031287
Date	Mar 28, 2018
Book Page	003103/001287
Instrument	18556

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 27, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$2,493.00 (+19.45%) Homeowner's exemption	$185,927 (+5.99%)	$413,824 (+3.57%) Land $106,964 Building $306,860
2023	$2,087.00 (+2.96%)	$175,424 (+3%)	$399,568 (+14.5%) Land $106,964 Building $292,604
2022	$2,027.00	$170,314	$348,967 Land $97,240 Building $251,727

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 234 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	234 in force
Nearby Flood Claims	25 (1979–2025)
Claims Outside the SFHA	21 of 25
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 10 claims

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 Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20