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6475 86th Ln, Vero Beach, FL 32967 Property Records

Indian River County property record for 6475 86th Ln, Vero Beach, FL 32967

Property Summary

Property TypeSingle Family Home
Details2 ba · 3,003 sqft · built 1974
Lot Size0.21 acres (9,148 sqft)
Owner2 Individual Names on Record
Tax Bill$1,581 (2025)
Deeds & MortgagesDec 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN31-39-29-00001-0040-00008.0

Property Details

APN / Parcel Number

Primary APN31-39-29-00001-0040-00008.0
Alternative APN
  • 39266

Interior

Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Total Rooms7 Rooms
Stories2 Stories
Building Area3,003 sqft Living Area
Gross Area3,552 sqft
1st Floor Area2,043 sqft
2nd Floor Area960 sqft
FlooringConcrete/Cement
Interior WallsPlywood

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 1974
Architectural StyleCustom Design
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable
Roof MaterialMetal
Lot Area9,148 sqft (0.21 acres)
Lot Dimensions105 ft deep x 87 ft wide
View / LotInterior
Garage TypeAttached
Garage Area504 sqft

Exterior Amenities

PorchScreened Porch
Porch Area45 sqft
Deck Area96 sqft
Patio Area24 sqft
Utility Building180 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address6475 86TH LN
CityVERO BEACH
StateFL
Zip32967-2916
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRM-6
Legal DescriptionWHITFIELDS SUBDIVISION PBUR 1 - 16 BLK A LOT 8
Legal Range39E
Legal Township31S
Legal Section29
Legal SubdivisionWHITFIELD SUBDIVISION
Legal BlockA
Legal Lot Number8
JurisdictionINDIAN RIVER FL
Township / Civil DivisionVERO BEACH
Census Block Group3
Census Block3054
Census Tract50805

Owner

Source: Indian River County records, as of January 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address6475 86TH LN, VERO BEACH, FL 32967-2916
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 3, 2014
Deed SaleJul 3, 2014
Deed Document Number20143120140038634
Deed Book / Page2770 / 2099
Prior Transfer DateJun 20, 2014
Prior Transfer Doc0027702099
Record UpdatedJun 8, 2026

December 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionINDIAN RIVER FL
Property Address6475 86TH LN, VERO BEACH, FL 32967-2916
Transaction TypeMortgage
Record UpdatedDec 16, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 700435, WABASSO, FL 32970-0435

Mortgage

Document Number0035880001
DateDec 7, 2022
Book Page3588/1
Instrument3120220070579
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28273
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueJan 1, 2038

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$1,581.00 (+25.18%) Homeowner's exemption$122,235 (+5.99%)$213,851 (+7.7%) Land $22,777 Building $191,074
2023$1,263.00 (+3.61%)$115,330 (+3%)$198,556 (+9.42%) Land $13,015 Building $185,541
2022$1,219.00$111,970$181,457 Land $7,809 Building $173,648

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
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 77 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies77 in force
Nearby Flood Claims53 (1999–2022)
Claims Outside the SFHA12 of 53
Most Recent ClaimNov 2022 · Hurricane Nicole
Claims by Event
  • Hurricane Matthew, Oct 2016 · 3 claims
  • Hurricane Frances, Sep 2004 · 35 claims
  • Hurricane Floyd Major Disaster Declarations, Sep 1999 · 4 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 RiskModerate
above 51% of the US · lower than 79% of Florida
Wildfire Likelihood0.08% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

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

May also be available: Verizon.

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