Indian River County property record for 655 Reef Rd, Vero Beach, FL 32963 · Last verified March 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 4,091 sqft · built 1991 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,950,000 (Jul 2021) |
| Tax Bill | $25,261 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit Aug 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-40-21-00009-0000-00022.0 |
| Primary APN | 33-40-21-00009-0000-00022.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 4,091 sqft Living Area |
| 1st Floor Area | 2,666 sqft |
| 2nd Floor Area | 1,260 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Tile |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 168 ft deep x 83 ft wide |
| Garage Area | 591 sqft |
| Driveway | Driveway |
| Driveway Area | 216 sqft |
| Pool Area | 1 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 737 sqft |
| Patio Area | 3,140 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 99054 |
|---|---|
| Street Address | 655 REEF RD |
| City | VERO BEACH |
| State | FL |
| Zip | 32963-2804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OCEANSIDE/OCEANSIDE REPLAT SUB LOT 22 PBI 10-20 |
| Legal Range | 40 |
| Legal Township | 33 |
| Legal Section | 21 |
| Legal Subdivision | OCEANSIDE REPLAT SUB |
| Legal Lot Number | 22 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 50509 |
Source: Indian River County records · APN 33-40-21-00009-0000-00022.0
Assessment roll updated July 1, 2025 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 655 REEF RD, VERO BEACH, FL 32963-2804 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 13, 2025 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Aug 22, 2022 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Jul 23, 2021 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 23, 2021 · Amount on Record |
| Deed Sale | Jul 23, 2021 · Amount on Record |
| Prior Sale | Feb 27, 2013 · Amount on Record |
| Deed Document Number | 3120210052972 |
| Deed Book / Page | 3446 / 2083 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 655 REEF RD, VERO BEACH, FL 32963-2804 |
| Transaction Type | Mortgage |
| Record Updated | Dec 01, 2025 |
| Name | Verified Name |
|---|---|
| Address | 655 REEF RD, VERO BEACH, FL 32963-2804 |
| Document Number | 0038180750 |
|---|---|
| Date | Nov 13, 2025 |
| Book Page | 3818/750 |
| Instrument | 3120250056224 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 15, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 655 REEF RD, VERO BEACH, FL 32963-2804 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0035651084 |
|---|---|
| Date | Aug 22, 2022 |
| Book Page | 3565/1084 |
| Instrument | 3120220051821 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 15, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Jul 23, 2021 |
| Property Address | 655 REEF RD, VERO BEACH, FL 32963-2804 |
| Document Number | 0034462083 |
| Book / Page | 3446 / 2083 |
| Map Reference | MB 10 PG 20 |
| Instrument Date | Jul 21, 2021 |
| Instrument | 3120210052972 |
| Transaction Type | Transfer |
| Record Updated | Aug 06, 2021 |
| Title Company | ELITE TITLE COMPANY INC, ELITE TTL OF TREASURE COAST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $13,650.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 655 REEF RD, 655, VERO BEACH, FL 32963-2804 |
| Name | Verified Name |
|---|---|
| Address | 655 REEF RD, VERO BEACH, FL 32963-2804 |
| Document Number | 34462104 |
|---|---|
| Date | Jul 23, 2021 |
| Instrument | 3446/2104 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.25% |
| Type Change Date | Aug 01, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.25% |
| Index | Other |
| Max Rate | 7.25% |
Source: Indian River County records · Assessment roll updated July 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Unified School District | Indian River County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $25,261.00 (+10.23%) | $1,808,338 (+8.22%) | $2,581,289 (+20.23%) Land $593,726 Building $1,987,563 |
| 2023 | $22,916.00 (+3.48%) | $1,671,020 (+4.18%) | $2,146,933 (+33.85%) Land $593,726 Building $1,553,207 |
| 2022 | $22,145.00 | $1,603,999 Land $527,757 Building $1,076,242 | $1,603,999 Land $527,757 Building $1,076,242 |
Source: FEMA National Flood Hazard Layer, Indian River County (12061C), updated May 13, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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