656 20th Ave, Vero Beach, FL 32962 Property Records

Indian River County property record for 656 20th Ave, Vero Beach, FL 32962

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,347 sqft · built 1972
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$147,500 (Jul 1999)
Tax Bill	$1,899 (2025)
Deeds & Mortgages	Jun 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`33-39-14-00001-0020-00004.1`

Property Details

APN / Parcel Number

Primary APN	`33-39-14-00001-0020-00004.1`
Alternative APN	`77571`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,347 sqft Living Area
1st Floor Area	2,347 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1982
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	295 ft deep x 148 ft wide
View / Lot	Interior
Driveway	Concrete Driveway
Driveway Area	630 sqft

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	321 sqft
Patio Area	832 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	656 20TH AVE
City	VERO BEACH
State	FL
Zip	32962-1415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	INDIAN RIVER FARMS CO SUB PBS 2-25 N 148.0 FT OF S 260.0 FT OF N 1068.0 FT OF W 10 AC OF TR 2, SEC 14 LESS R/W PER OR BK 121 PP 202
Legal Range	39E
Legal Township	33S
Legal Section	14
Legal Subdivision	INDIAN RIVER FARMS COMPANY S/D
Legal Tract	2
Legal Block	14333
Legal Lot Number	2
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	3
Census Block	3012
Census Tract	50602

Owner

656 20th Ave is owned and occupied by two individuals who acquired it in March 2012.

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	2 Individual Names on File
Mailing Address	PO BOX 6921, VERO BEACH, FL 32961-6921
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 1999 · Amount on File
Deed Sale	Jul 28, 1999 · Amount on File
Prior Sale	Dec 22, 1995 · Amount on File
Deed Book / Page	1286 / 2118
Last Transfer Date	Mar 7, 2012
Transfer Doc	0025621796
Record Updated	Jun 8, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	656 20TH AVE, VERO BEACH, FL 32962-1415
Document Number	0031301739
Instrument Date	Jun 29, 2018
Transaction Type	Mortgage
Record Updated	Jul 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	656 20TH AVE VERO BEACH FL 329621415, VERO BEACH, FL 32962-1415

Mortgage

Document Number	0031301739
Date	Jul 5, 2018
Book Page	003130/001739
Instrument	41304

Lender

Name	NATIONAL BK/COMMERCE
Type	Bank
Address	VERO BEACH, FL 32960

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 656 20th Ave was $1,899 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
Unified School District	Indian River County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,899.00 Homeowner's exemption	$146,349	$411,893 Land $89,318 Building $322,575
2023	$1,546.00 (+3.27%)	$138,082 (+3%)	$396,574 (+11.11%) Land $89,318 Building $307,256
2022	$1,497.00	$134,060	$356,912 Land $71,454 Building $285,458

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

Flood

FEMA maps place 656 20th Ave in Zone X, an area of minimal flood risk.

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 File median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 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

Wildfire risk around 656 20th Ave is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 339 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
Verizon Fixed Wireless	300 / 20