Indian River County property record for 646 Ocean Rd, Vero Beach, FL 32963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 3,591 sqft · built 1980 |
| Lot Size | 1.36 acres (59,242 sqft) |
| Owner | Individual Name on File |
| Last Sale | $4,850,000 (Jul 2011) |
| Tax Bill | $47,609 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-40-06-00001-0000-00024.0 |
| Primary APN | 32-40-06-00001-0000-00024.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,591 sqft Living Area |
| Gross Area | 7,372 sqft |
| 1st Floor Area | 3,591 sqft |
| Basement Area | 3,117 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Tile |
| Lot Area | 59,242 sqft (1.36 acres) |
| Lot Dimensions | 377 ft deep x 120 ft wide |
| View / Lot | Ocean |
| Garage Type | Attached |
| Garage Area | 664 sqft |
| Driveway | Brick Driveway |
| Driveway Area | 6,177 sqft |
| Pool Area | 630 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 214 sqft |
| Patio Area | 1,050 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 646 OCEAN RD |
|---|---|
| City | VERO BEACH |
| State | FL |
| Zip | 32963-3516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A |
| Legal Description | JOHNS ISLAND PLAT 9 LOT 24 PBI 9-49 |
| Legal Range | 40E |
| Legal Township | 32S |
| Legal Section | 06 |
| Legal Subdivision | JOHNS ISLAND PLAT 9 |
| Legal Lot Number | 24 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 50507 |
646 Ocean Rd is owned and occupied by an individual who acquired it in December 2011.
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 | Individual Name on File |
|---|---|
| Mailing Address | 646 OCEAN RD, INDIAN RIVER SHORES, FL 32963-3516 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Borrower in Default |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 13, 2011 · Amount on File |
| Deed Sale | Jul 13, 2011 · Amount on File |
| Prior Sale | Sep 1, 1999 · Amount on File |
| Deed Document Number | 20112151505 |
| Deed Book / Page | 2511 / 1279 |
| Last Transfer Date | Dec 2, 2011 |
| Transfer Doc | 0025450648 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 646 Ocean Rd was $47,609 with a homeowner's exemption.
Source: Indian River County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Municipality | Indian River Shores Town |
| Unified School District | Indian River County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $47,609.00 Homeowner's exemption | $4,032,872 | $9,784,525 Land $7,646,260 Building $2,138,265 |
| 2023 | $44,430.00 (+2.12%) | $3,805,063 (+3%) | $7,430,432 (+38.46%) Land $5,312,500 Building $2,117,932 |
| 2022 | $43,509.00 | $3,694,236 | $5,366,339 Land $3,721,300 Building $1,645,039 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 646 Ocean 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 816 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1,394 units insured incl. 578 condo units |
| Nearby Flood Claims | 2 (2022–2024) |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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 risk around 646 Ocean Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 27 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 |
5G (outdoors only) and 4G LTE
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