745 Lagoon Rd, Vero Beach, FL 32963 Property Records

Indian River County property record for 745 Lagoon Rd, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,066 sqft · built 2008
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on Record
Last Sale	$3,940,000 (Aug 2023)
Tax Bill	$59,898 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jun 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`33-40-05-00027-0000-00038.0`

Property Details

APN / Parcel Number

Primary APN	`33-40-05-00027-0000-00038.0`
Alternative APN	`94094`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	4,066 sqft Living Area
Gross Area	4,973 sqft
1st Floor Area	4,066 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	22,216 sqft (0.51 acres)
Lot Dimensions	251 ft deep x 107 ft wide
View / Lot	Canal/Waterfront
Garage Type	Attached
Garage Area	907 sqft
Driveway	Brick Driveway
Driveway Area	744 sqft

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	1,088 sqft
Deck Area	Deck Area
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	745 LAGOON RD
City	VERO BEACH
State	FL
Zip	32963-2259
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AA
Legal Description	RIOMAR BAY UNIT TWO LOT 38 PBI 11-65
Legal Range	40E
Legal Township	33S
Legal Section	05
Legal Subdivision	RIOMAR BAY UNIT TWO
Legal Lot Number	38
Legal Unit	TW
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1059
Census Tract	50504

Owner

Source: Indian River County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	745 LAGOON RD, VERO BEACH, FL 32963-2259
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2023	Warranty Deed, Transfer · Conventional Mortgage GOLDMAN SACHS BANK USA
Jun 14, 2022	Warranty Deed, Transfer ATTORNEY
Apr 9, 2021	Warranty Deed, Transfer
Jan 7, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2023 · Amount on Record
Deed Sale	Aug 28, 2023 · Amount on Record
Prior Sale	Jun 14, 2022 · Amount on Record
Deed Document Number	202343629
Deed Book / Page	3646 / 434
Prior Transfer Date	Jan 7, 2020
Prior Transfer Doc	0032670984
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Aug 28, 2023
Property Address	745 LAGOON RD, VERO BEACH, FL 32963-2259
Document Number	0036460434
Book / Page	3646 / 434
Map Reference	MB 11 POG 65
Instrument Date	Aug 28, 2023
Instrument	3120230043629
Transaction Type	Transfer
Record Updated	Sep 12, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$27,580.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3900 BARRETT DR STE 101, 101, RALEIGH, NC 27609-6614

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	745 LAGOON RD, VERO BEACH, FL 32963-2259

Mortgage

Document Number	3120230043632
Date	Aug 28, 2023
Instrument	3120230043632

Lender

Name	GOLDMAN SACHS BANK USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.15%
Type Change Date	Sep 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.1%
Margin	3
Max Rate	11.1%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jun 14, 2022
Property Address	745 LAGOON RD, VERO BEACH, FL 32963-2259
Document Number	0035482023
Book / Page	3548 / 2023
Map Reference	MB 11 PG 65
Instrument Date	Jun 14, 2022
Instrument	3120220038054
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$26,950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19395 GLACIER PKWY, 19395, BROOKFIELD, WI 53045-5125

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Apr 9, 2021
Property Address	745 LAGOON RD, VERO BEACH, FL 32963-2259
Document Number	0034081720
Book / Page	3408 / 1720
Map Reference	MB 11 PG 65
Instrument Date	Apr 8, 2021
Instrument	3120210025064
Transaction Type	Transfer
Record Updated	Dec 6, 2021

Transaction

Amount	Amount Recorded
Tax	$17,815.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	745 LAGOON RD, 745, VERO BEACH, FL 32963-2259

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	745 LAGOON RD, VERO BEACH, FL 32963-2259

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jan 7, 2020
Property Address	745 LAGOON RD, VERO BEACH, FL 32963-2259
Document Number	0032670984
Book / Page	003267 / 000984
Instrument Date	Jan 7, 2020
Instrument	988
Transaction Type	Transfer
Record Updated	Jan 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	745 LAGOON RD VERO BEACH FL 329632259, VERO BEACH, FL 32963-2259

Tax Assessment & Valuation

Source: Indian River County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Indian River County
Municipality	Vero Beach City
Unified School District	Indian River County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$59,898.00 (+6.96%) Homeowner's exemption	$3,792,991 (+5.56%)	$3,960,346 (+10.22%) Land $1,360,000 Building $2,600,346
2023	$55,998.00 (+38.88%)	$3,593,251 (+39.33%) Land $1,190,000 Building $2,403,251	$3,593,251 (+39.33%) Land $1,190,000 Building $2,403,251
2022	$40,321.00	$2,578,983 Land $850,000 Building $1,728,983	$2,578,983 Land $850,000 Building $1,728,983

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

Flood

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 433 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	622 units insured incl. 189 condo units
Nearby Flood Claims	129 (1979–2024)
Claims Outside the SFHA	59 of 129
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 6 claims Hurricane Irma, Sep 2017 · 5 claims Hurricane Frances, Sep 2004 · 100 claims

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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