655 Live Oak Rd, Vero Beach, FL 32963 Property Records

Indian River County property record for 655 Live Oak Rd, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 3,897 sqft · built 1980
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$690,000 (Dec 2013)
Tax Bill	$12,065 (2025)
Deeds & Mortgages	Jun 2017 Transfer
Flood Zone	Zone X (moderate risk)
APN	`32-40-32-00004-0100-00011.0`

Property Details

APN / Parcel Number

Primary APN	`32-40-32-00004-0100-00011.0`
Alternative APN	`58484`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,897 sqft Living Area
Gross Area	4,406 sqft
1st Floor Area	3,169 sqft
2nd Floor Area	728 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Metal
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	116 ft deep x 150 ft wide
View / Lot	River
Garage Type	Attached
Garage Area	509 sqft
Driveway	Concrete Driveway
Driveway Area	3,144 sqft

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	156 sqft
Deck Area	140 sqft
Patio Area	284 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	655 LIVE OAK RD
City	VERO BEACH
State	FL
Zip	32963-1357
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	BETHEL BY THE SEA UNIT NO 3 BLK 10 LOT 11 PBI 3-68
Legal Range	40E
Legal Township	32S
Legal Section	32
Legal Subdivision	BETHEL BY THE SEA UNIT NO 3
Legal Block	10
Legal Lot Number	11
Legal Unit	NO
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	2
Census Block	2023
Census Tract	50505

Owner

655 Live Oak Rd is owned and occupied by an individual who acquired it in April 2017.

Source: Indian River County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	655 LIVE OAK RD, VERO BEACH, FL 32963-1357
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2013 · Amount on File
Deed Sale	Dec 6, 2013 · Amount on File
Prior Sale	Jul 1, 2008 · Amount on File
Deed Document Number	20133120130076473
Deed Book / Page	2722 / 1173
Last Transfer Date	Apr 24, 2017
Transfer Doc	0030291922
Record Updated	Jun 8, 2026

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jun 2, 2017
Property Address	655 LIVE OAK RD, VERO BEACH, FL 32963-1357
Document Number	0030291922
Book / Page	003029 / 001922
Instrument Date	Apr 24, 2017
Instrument	31825
Transaction Type	Transfer
Record Updated	Jun 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	655 LIVE OAK RD VERO BEACH FL 329631357, VERO BEACH, FL 32963-1357

Tax Assessment & Valuation

The 2025 property tax bill for 655 Live Oak Rd was $12,065 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Indian River County
Municipality	Vero Beach City
Unified School District	Indian River County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,065.00 Homeowner's exemption	$780,870	$1,892,705 Land $1,243,768 Building $648,937
2023	$10,982.00 (+2.92%)	$736,760 (+3%)	$1,720,422 (+25.35%) Land $1,243,768 Building $476,654
2022	$10,670.00	$715,301	$1,372,466 Land $977,247 Building $395,219

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 655 Live Oak Rd in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 479 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,484 units insured incl. 1,005 condo units
Nearby Flood Claims	160 (1979–2024)
Claims Outside the SFHA	112 of 160
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 3 claims Hurricane Frances, Sep 2004 · 126 claims Hurricane Irene, Oct 1999 · 7 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

Wildfire risk around 655 Live Oak 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20