Indian River County property record for 7865 97th Ct, Vero Beach, FL 32967
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,620 sqft · built 1999 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $179,500 (Dec 2019) |
| Tax Bill | $3,376 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Dec 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-38-34-00006-0160-00003.0 |
| Primary APN | 31-38-34-00006-0160-00003.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,620 sqft Living Area |
| 1st Floor Area | 1,620 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 9,583 sqft (0.219 acres) |
| Lot Dimensions | 130 ft deep x 75 ft wide |
| Garage Area | 400 sqft |
| Driveway | Driveway |
| Driveway Area | 448 sqft |
| Porch | Open Porch |
| Porch Area | 32 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 30423 |
|---|---|
| Street Address | 7865 97TH CT |
| City | VERO BEACH |
| State | FL |
| Zip | 32967-2804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-3 |
| Legal Description | VERO LAKE ESTATES UNIT G BLK P LOT 3 PBI 5-59 |
| Legal Range | 38 |
| Legal Township | 31 |
| Legal Section | 34 |
| Legal Subdivision | VERO LAKE ESTATES UNIT G |
| Legal Block | P |
| Legal Lot Number | 3 |
| Legal Unit | G |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | FELLSMERE |
| Census Block Group | 1 |
| Census Block | 1069 |
| Census Tract | 50903 |
7865 97th Ct is owned and occupied by an individual who bought it in December 2019.
Source: Indian River County records, as of March 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7865 97TH CT, VERO BEACH, FL 32967-2804 |
| 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 15, 2021 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Dec 31, 2019 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Sep 19, 2018 | Warranty Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 31, 2019 · Amount on File |
| Deed Sale | Dec 31, 2019 · Amount on File |
| Prior Sale | Sep 19, 2018 · Amount on File |
| Deed Document Number | 3120190075698 |
| Deed Book / Page | 3265 / 2368 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 7865 97TH CT, VERO BEACH, FL 32967-2804 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 7865 97TH CT, VERO BEACH, FL 32967-2804 |
| Document Number | 0034640185 |
|---|---|
| Date | Sep 15, 2021 |
| Book Page | 3464/185 |
| Instrument | 3120210065187 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Dec 31, 2019 |
| Property Address | 7865 97TH CT, VERO BEACH, FL 32967-2804 |
| Document Number | 0032652368 |
| Book / Page | 003265 / 002368 |
| Instrument Date | Dec 17, 2019 |
| Instrument | 75698 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,256.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7865 97TH CT VERO BEACH FL 329672804, VERO BEACH, FL 32967-2804 |
| Document Number | 32652370 |
|---|---|
| Date | Dec 31, 2019 |
| Book Page | 003265/002370 |
| Instrument | 75699 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 30, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Sep 19, 2018 |
| Property Address | 7865 97TH CT, VERO BEACH, FL 32967-2804 |
| Document Number | 0031491038 |
| Book / Page | 3149 / 1038 |
| Map Reference | MB5 PG59 |
| Instrument Date | Sep 14, 2018 |
| Instrument | 3120180057278 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2021 |
| Title Company | OCEANSIDE TITLE & ESCROW INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,162.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 781152, SEBASTIAN, FL 32978-1152 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 7865 97TH CT, VERO BEACH, FL 32967-2804 |
| Document Number | 3120180057279 |
|---|---|
| Date | Sep 19, 2018 |
| Instrument | 3120180057279 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2048 |
The 2025 property tax bill for 7865 97th Ct was $3,376.
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 | $3,376.00 | $208,173 Land $30,281 Building $177,892 | $208,173 Land $30,281 Building $177,892 |
| 2023 | $1,708.00 (+3.33%) | $146,893 (+3%) | $219,989 (+19.01%) Land $24,863 Building $195,126 |
| 2022 | $1,653.00 | $142,615 | $184,856 Land $20,400 Building $164,456 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7865 97th Ct in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 285 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 285 in force |
| Nearby Flood Claims | 51 (1996–2023) |
| Claims Outside the SFHA | 2 of 51 |
| Most Recent Claim | Apr 2023 |
| 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 7865 97th Ct is moderate, ranking above 56% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · lower than 71% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 69 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 |
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