Indian River County property record for 656 Colonial Dr, Vero Beach, FL 32962
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,397 sqft · built 1978 |
| Lot Size | 0.419 acres (18,295 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $268,000 (Aug 2018) |
| Tax Bill | $2,712 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Feb 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-39-13-00004-0020-00004.0 |
| Primary APN | 33-39-13-00004-0020-00004.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,397 sqft Living Area |
| 1st Floor Area | 2,397 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1978 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Retaining Wall |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 18,295 sqft (0.419 acres) |
| Lot Dimensions | 175 ft deep x 119 ft wide |
| Garage Area | 600 sqft |
| Porch | Open Porch |
| Porch Area | 270 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 76636 |
|---|---|
| Street Address | 656 COLONIAL DR |
| City | VERO BEACH |
| State | FL |
| Zip | 32962-1517 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-6 |
| Legal Description | COLONIAL TERRACE UNIT 2 BLK 2 LOT 4 PBI 7-66 |
| Legal Range | 39 |
| Legal Township | 33 |
| Legal Section | 13 |
| Legal Subdivision | COLONIAL TERRACE UNIT 2 |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Legal Unit | 2 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 50602 |
656 Colonial Dr is owned and occupied by two individuals who bought it in August 2018.
Source: Indian River County records, as of March 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 656 COLONIAL DR, VERO BEACH, FL 32962-1517 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 20, 2022 | Deed of Trust, Mortgage · Line of Credit SPACE COAST CU |
| Feb 23, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Jul 14, 2020 | Deed of Trust, Construction Loan · Construction Mortgage CALIBER HM LOANS |
| Aug 10, 2018 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2018 · Amount on File |
| Deed Sale | Aug 10, 2018 · Amount on File |
| Prior Sale | Apr 1, 1996 · Amount on File |
| Deed Document Number | 3120180049568 |
| Deed Book / Page | 3140 / 0568 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 656 COLONIAL DR, VERO BEACH, FL 32962-1517 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2022 |
| Name | Verified Name |
|---|---|
| Address | 656 COLONIAL DR, VERO BEACH, FL 32962-1517 |
| Document Number | 0035711977 |
|---|---|
| Date | Sep 20, 2022 |
| Book Page | 3571/1977 |
| Instrument | 3120220057252 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | MELBOURNE, FL 32940 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 168 Months |
| Due | Sep 19, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 656 COLONIAL DR, VERO BEACH, FL 32962-1517 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WFG NATIONAL TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0030941838 |
|---|---|
| Date | Feb 23, 2018 |
| Book Page | 3094/1838 |
| Instrument | 3120180010926 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVING, TX 75063 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Jul 14, 2020 |
| Property Address | 656 COLONIAL DR, VERO BEACH, FL 32962-1517 |
| Document Number | 0033181079 |
| Book / Page | 003318 / 001079 |
| Instrument Date | Jul 2, 2020 |
| Instrument | 39644 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 656 COLONIAL DR VERO BEACH FL 329621517, VERO BEACH, FL 32962-1517 |
| Document Number | 33181079 |
|---|---|
| Date | Jul 14, 2020 |
| Book Page | 003318/001079 |
| Instrument | 39644 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | 1525 S BELT LINE RD, COPPELL, TX 75019-4913 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 13, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Aug 10, 2018 |
| Property Address | 656 COLONIAL DR, VERO BEACH, FL 32962-1517 |
| Document Number | 0031400568 |
| Book / Page | 003140 / 000568 |
| Instrument Date | Aug 8, 2018 |
| Instrument | 49568 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2018 |
| Title Company | ATLANTIC COASTAL LAND TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,876.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 916 18TH AVE VERO BEACH FL 329604349, VERO BEACH, FL 32960-4349 |
| Document Number | 31400571 |
|---|---|
| Date | Aug 10, 2018 |
| Book Page | 003140/000571 |
| Instrument | 49569 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 9, 2048 |
The 2025 property tax bill for 656 Colonial Dr was $2,712.
Source: Indian River County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Unified School District | Indian River County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,712.00 | $204,235 | $352,533 Land $59,512 Building $293,021 |
| 2023 | $2,306.00 (+2.9%) | $192,698 (+3%) | $342,126 (+12.87%) Land $59,512 Building $282,614 |
| 2022 | $2,241.00 | $187,085 | $303,112 Land $59,512 Building $243,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 656 Colonial Dr in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1995.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 14 (1995–2017) |
| Claims Outside the SFHA | 13 of 14 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
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 risk around 656 Colonial Dr 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 418 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 |
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