7975 103rd Ave, Vero Beach, FL 32967 Property Records

Indian River County property record for 7975 103rd Ave, Vero Beach, FL 32967

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,827 sqft · built 2005
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Aug 2024)
Tax Bill	$4,089 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jan 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-38-33-00007-0030-00010.0`

Property Details

APN / Parcel Number

Primary APN	`31-38-33-00007-0030-00010.0`
Alternative APN	`29254`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,827 sqft Living Area
Gross Area	2,226 sqft
1st Floor Area	1,827 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	130 ft deep x 75 ft wide
View / Lot	Interior
Garage Type	Attached
Garage Area	399 sqft
Driveway	Concrete Driveway
Driveway Area	576 sqft
Porch	Open Porch
Porch Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7975 103RD AVE
City	VERO BEACH
State	FL
Zip	32967-3604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	VERO LAKE ESTATES UNIT Q BLK C LOT 10 PBI 6-40
Legal Range	38E
Legal Township	31S
Legal Section	33
Legal Subdivision	VERO LAKE ESTATES UNIT Q
Legal Block	C
Legal Lot Number	10
Legal Unit	Q
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	FELLSMERE
Census Block Group	1
Census Block	1036
Census Tract	50903

Owner

Source: Indian River County records, as of March 11, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	101 EARLS CT, SEBRING, FL 33870-6879
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2026	Deed of Trust, Mortgage · VA Mortgage TRUSTED MORTGAGE CAPITAL INC
Jan 9, 2023	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Jan 10, 2018	Warranty Deed, Transfer · Conventional Mortgage FRANKLIN FIRST FINANCIAL LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2024 · Amount on Record
Deed Sale	Aug 9, 2024 · Amount on Record
Prior Sale	Jan 9, 2023 · Amount on Record
Deed Document Number	202438939
Deed Book / Page	3717 / 638
Prior Transfer Date	Dec 19, 2014
Prior Transfer Doc	0028131380
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	7975 103RD AVE, VERO BEACH, FL 32967-3604
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7975 103RD AVE, VERO BEACH, FL 32967-3604

Mortgage

Document Number	0038411036
Date	Feb 27, 2026
Book Page	3841/1036
Instrument	3120260009318

Lender

Name	TRUSTED MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jan 9, 2023
Property Address	7975 103RD AVE, VERO BEACH, FL 32967-3604
Document Number	0035930906
Book / Page	3593 / 906
Map Reference	MB 6 PG 40
Instrument Date	Dec 28, 2022
Instrument	3120230000785
Transaction Type	Transfer
Record Updated	Jan 23, 2023
Title Company	TREASURE COAST TITLE AND ESCROW, TREASURE COAST TTL & STLMT O

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,366.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2014 5TH CT SE, VERO BEACH, FL 32962-7321

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7975 103RD AVE, VERO BEACH, FL 32967-3604

Mortgage

Document Number	0003593908
Date	Jan 9, 2023
Instrument	3593/908

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jan 10, 2018
Property Address	7975 103RD AVE, VERO BEACH, FL 32967-3604
Document Number	0030841987
Book / Page	3084 / 1987
Map Reference	MB6 PG40
Instrument Date	Jan 5, 2018
Instrument	3120180001728
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	PROFESSIONAL TITLE OF INDIAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,399.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	398 DEL MONTE RDB, 398, SEBASTIAN, FL 32958

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Et Al (and Others)
Address	7975 103RD AVE, VERO BEACH, FL 32967-3604

Mortgage

Document Number	3120180001729
Date	Jan 10, 2018
Instrument	3120180001729

Lender

Name	FRANKLIN FIRST FINANCIAL LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Indian River County
Unified School District	Indian River County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,089.00 (+16.8%)	$258,390 (-5.95%) Land $30,281 Building $228,109	$258,390 (-5.95%) Land $30,281 Building $228,109
2023	$3,501.00 (+50.45%)	$274,732 (+44.28%) Land $24,863 Building $249,869	$274,732 (+12.74%) Land $24,863 Building $249,869
2022	$2,327.00	$190,418	$243,679 Land $20,400 Building $223,279

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 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	Hurricane Irma, Sep 2017 · 6 claims Hurricane Wilma, Oct 2005 · 3 claims Hurricane Frances, Sep 2004 · 28 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	Moderate above 62% of the US · lower than 62% of Florida
Wildfire Likelihood	0.2% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 312 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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