650 20th Pl SW, Vero Beach, FL 32962 Property Records

Indian River County property record for 650 20th Pl SW, Vero Beach, FL 32962

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,043 sqft · built 1992
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Nov 2016)
Tax Bill	$3,183 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Dec 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-39-36-00003-0670-00004.0`

Property Details

APN / Parcel Number

Primary APN	`33-39-36-00003-0670-00004.0`
Alternative APN	`92065`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,043 sqft Living Area
Gross Area	1,425 sqft
1st Floor Area	1,043 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Custom Design
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	100 ft deep x 80 ft wide
View / Lot	Interior
Garage Type	Attached
Garage Area	228 sqft
Driveway	Concrete Driveway
Driveway Area	420 sqft
Porch	Screened Porch
Porch Area	224 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	650 20TH PL SW
City	VERO BEACH
State	FL
Zip	32962-7021
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 4 PBI 6-70
Legal Range	39E
Legal Township	33S
Legal Section	36
Legal Subdivision	VERO BEACH HIGHLANDS UNIT 2 REPLAT
Legal Block	67
Legal Lot Number	4
Legal Unit	2
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1044
Census Tract	50608

Owner

Source: Indian River County records, as of July 24, 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	2 Individual Names on Record
Mailing Address	650 20TH PL SW, VERO BEACH, FL 32962-7021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage POINT DIGITAL FINANCIAL INC
Dec 23, 2019	Loan Modification, Mortgage · FHA Mortgage CALIBER HM LOANS
May 11, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2016 · Amount on Record
Deed Sale	Nov 22, 2016 · Amount on Record
Prior Sale	Dec 31, 2007 · Amount on Record
Deed Document Number	201665900
Deed Book / Page	2981 / 1831
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Recording Date	Jul 15, 2026
Property Address	650 20TH PL SW, VERO BEACH, FL 32962-7021
Document Number	0000033944
Book / Page	3875 / 16
Instrument Date	Jul 10, 2026
Instrument	202633944
Transaction Type	Mortgage
Record Updated	Jul 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 20TH PL SW, VERO BEACH, FL 32962-7021

Mortgage

Document Number	0000033944,
Date	Jul 15, 2026
Book Page	3875/16
Instrument	202633944

Lender

Name	POINT DIGITAL FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	INDIAN RIVER FL
Property Address	650 20TH PL SW, VERO BEACH, FL 32962-7021
Document Number	0032662252
Instrument Date	Dec 23, 2019
Transaction Type	Mortgage
Record Updated	Jan 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 20TH PL SW VERO BEACH FL 329627021, VERO BEACH, FL 32962-7021

Mortgage

Document Number	0032662252
Date	Jan 6, 2020
Book Page	003266/002252
Instrument	576

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	OKLAHOMA CITY, OK 73134

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2050

Interest

Rate	4%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	650 20TH PL SW, VERO BEACH, FL 32962-7021
Document Number	0031231863
Instrument Date	May 11, 2018
Transaction Type	Mortgage
Record Updated	Jun 26, 2018
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 20TH PL SW VERO BEACH FL 329627021, VERO BEACH, FL 32962-7021

Mortgage

Document Number	0031231863
Date	Jun 8, 2018
Book Page	003123/001863
Instrument	35514

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jun 7, 2046

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	$3,183.00 (+10.48%) Homeowner's exemption	$234,450 (+2.74%) Land $42,500 Building $191,950	$234,450 (+2.74%) Land $42,500 Building $191,950
2023	$2,881.00 (+13.87%)	$228,199 (+22.4%) Land $42,500 Building $185,699	$228,199 (+22.4%) Land $42,500 Building $185,699
2022	$2,530.00	$186,436 Land $24,480 Building $161,956	$186,436 Land $24,480 Building $161,956

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 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

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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