Indian River County property record for 695 Reef Rd, Vero Beach, FL 32963
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,467 sqft · built 1992 |
| Lot Size | 0.63 acres (27,443 sqft) |
| Owner | Company Name on File |
| Last Sale | $775,000 (Jul 2015) |
| Tax Bill | $28,203 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Oct 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-40-21-00009-0000-00026.0 |
| Primary APN | 33-40-21-00009-0000-00026.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 11 Rooms |
| Stories | 3 Stories |
| Building Area | 4,467 sqft Living Area |
| Gross Area | 5,619 sqft |
| 1st Floor Area | 2,798 sqft |
| 2nd Floor Area | 1,548 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 27,443 sqft (0.63 acres) |
| Lot Dimensions | 185 ft deep x 135 ft wide |
| View / Lot | Above Average |
| Garage Type | Attached |
| Garage Area | 1,002 sqft |
| Driveway | Brick Driveway |
| Driveway Area | 2,995 sqft |
| Pool Area | 512 sqft |
|---|---|
| Porch | Screened Porch |
| Porch Area | 1,704 sqft |
| Patio Area | 1,248 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 695 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 26 PBI 10-20 |
| Legal Range | 40E |
| Legal Township | 33S |
| Legal Section | 21 |
| Legal Subdivision | OCEANSIDE REPLAT SUB |
| Legal Lot Number | 26 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 50509 |
695 Reef Rd is owned by a company that bought it in July 2015.
Source: Indian River County records, as of April 14, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 601 21ST ST, 300, VERO BEACH, FL 32960-0860 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
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 |
|---|---|
| Oct 25, 2023 | Deed of Trust, Mortgage · Commercial Mortgage NATIONAL LOAN FUNDING LLC |
| Oct 2, 2020 | Quit Claim Deed, Transfer · Line of Credit M & M PRIVATE LENDING GROUP LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2015 · Amount on File |
| Deed Sale | Jul 31, 2015 · Amount on File |
| Prior Sale | Jul 10, 1998 · Amount on File |
| Deed Document Number | 201546601 |
| Deed Book / Page | 2866 / 2154 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 695 REEF RD, VERO BEACH, FL 32963-2804 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 601 21ST ST 300, 300, VERO BEACH, FL 32960-0860 |
| Document Number | 0036580240 |
|---|---|
| Date | Oct 25, 2023 |
| Book Page | 3658/240 |
| Instrument | 3120230053713 |
| Name | NATIONAL LOAN FUNDING LLC |
|---|---|
| Address | AUSTIN, TX 78702 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Oct 2, 2020 |
| Property Address | 695 REEF RD, VERO BEACH, FL 32963-2804 |
| Document Number | 0033440370 |
| Book / Page | 3344 / 370 |
| Map Reference | MB 10 PG 20 |
| Instrument Date | Sep 30, 2020 |
| Instrument | 3120200058900 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2021 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 601 21ST ST STE 300, 300, VERO BEACH, FL 32960-0860 |
| Document Number | 3344372 |
|---|---|
| Date | Oct 2, 2020 |
| Instrument | 3344/372 |
| Name | M & M PRIVATE LENDING GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 695 Reef Rd was $28,203.
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 | $28,203.00 | $2,212,013 Land $690,885 Building $1,521,128 | $2,212,013 Land $690,885 Building $1,521,128 |
| 2023 | $24,620.00 (+17.71%) | $2,098,364 (+28.78%) Land $690,885 Building $1,407,479 | $2,098,364 (+28.78%) Land $690,885 Building $1,407,479 |
| 2022 | $20,916.00 | $1,629,474 Land $614,120 Building $1,015,354 | $1,629,474 Land $614,120 Building $1,015,354 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 695 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.
Wildfire risk around 695 Reef 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 | Direct burnable vegetation |
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 142 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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