Indian River County property record for 685 Reef Rd, Vero Beach, FL 32963
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 4,899 sqft · built 2008 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $185,000 (Jan 2001) |
| Tax Bill | $16,997 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Mar 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-40-21-00009-0000-00025.0 |
| Primary APN | 33-40-21-00009-0000-00025.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 4,899 sqft Living Area |
| Gross Area | 5,485 sqft |
| 1st Floor Area | 3,209 sqft |
| 2nd Floor Area | 1,690 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Tile |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 175 ft deep x 125 ft wide |
| View / Lot | Above Average |
| Garage Type | Attached |
| Garage Area | 586 sqft |
| Pool Area | 304 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 729 sqft |
| Patio Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 685 REEF RD |
|---|---|
| City | VERO BEACH |
| State | FL |
| Zip | 32963-2804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-3 |
| Legal Description | OCEANSIDE/OCEANSIDE REPLAT SUB LOT 25 PBI 10-20 |
| Legal Range | 40E |
| Legal Township | 33S |
| Legal Section | 21 |
| Legal Subdivision | OCEANSIDE REPLAT SUB |
| Legal Lot Number | 25 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 50509 |
685 Reef Rd is owned and occupied by two individuals who acquired it in January 2020.
Source: Indian River County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 685 REEF RD, VERO BEACH, FL 32963-2804 |
| 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.
| Date | Document |
|---|---|
| Mar 5, 2020 | Quit Claim Deed, Transfer STIFEL BK&TR |
| Mar 2, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 9, 2001 · Amount on File |
| Deed Sale | Jan 9, 2001 · Amount on File |
| Deed Book / Page | 1374 / 2744 |
| Last Transfer Date | Jan 31, 2020 |
| Transfer Doc | 0032821141 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Mar 5, 2020 |
| Property Address | 685 REEF RD, VERO BEACH, FL 32963-2804 |
| Document Number | 0032821141 |
| Book / Page | 003282 / 001141 |
| Instrument Date | Jan 31, 2020 |
| Instrument | 13344 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2020 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 685 REEF RD VERO BEACH FL 329632804, VERO BEACH, FL 32963-2804 |
| Document Number | 32821144 |
|---|---|
| Date | Mar 5, 2020 |
| Book Page | 003282/001144 |
| Instrument | 13345 |
| Name | STIFEL BK&TR |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 4, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Mar 2, 2020 |
| Property Address | 685 REEF RD, VERO BEACH, FL 32963-2804 |
| Document Number | 0032810540 |
| Book / Page | 003281 / 000540 |
| Instrument Date | Jun 7, 2019 |
| Instrument | 12610 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 685 REEF RD VERO BEACH FL 329632804, VERO BEACH, FL 32963-2804 |
The 2025 property tax bill for 685 Reef Rd was $16,997 with a homeowner's exemption.
Source: Indian River County assessment roll, as of December 8, 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 | $16,997.00 Homeowner's exemption | $1,220,178 | $2,340,294 Land $621,324 Building $1,718,970 |
| 2023 | $15,680.00 (+2.32%) | $1,151,252 (+3%) | $2,211,207 (+29.95%) Land $621,324 Building $1,589,883 |
| 2022 | $15,324.00 | $1,117,720 | $1,701,563 Land $552,288 Building $1,149,275 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 685 Reef Rd in Zone X, an area of minimal flood risk, within 500 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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 166 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 467 units insured incl. 301 condo units |
| Nearby Flood Claims | 2 (2017) |
| 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.
The area around 685 Reef Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T DSL | 100 / 20 |
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