Indian River County property record for 7985 98th Ct, Vero Beach, FL 32967
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,039 sqft · built 2022 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $365,000 (Feb 2024) |
| Tax Bill | $4,000 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Feb 2024 Sale & Mortgage + 4 more |
| Flood Zone | Zone AE (high risk) |
| APN | 31-38-33-00003-0020-00009.0 |
| Primary APN | 31-38-33-00003-0020-00009.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,039 sqft Living Area |
| Gross Area | 2,459 sqft |
| 1st Floor Area | 2,039 sqft |
| Flooring | Tile |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 135 ft deep x 75 ft wide |
| View / Lot | Interior |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Driveway | Driveway |
| Driveway Area | 560 sqft |
| Porch | Open Porch |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 7985 98TH CT |
|---|---|
| City | VERO BEACH |
| State | FL |
| Zip | 32967-2826 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-3 |
| Legal Description | VERO LAKE ESTATES UNIT L BLK B LOT 9 PBI 5-86 |
| Legal Range | 38E |
| Legal Township | 31S |
| Legal Section | 33 |
| Legal Subdivision | VERO LAKE ESTATES UNIT L |
| Legal Block | B |
| Legal Lot Number | 9 |
| Legal Unit | L |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | FELLSMERE |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 50903 |
Source: Indian River County records, as of May 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 7985 98TH CT, VERO BEACH, FL 32967-2826 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 19, 2026 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 7, 2024 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| May 25, 2022 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage RADIUS FINANCIAL GROUP INC |
| Dec 28, 2020 | Loan Modification, Mortgage STEEL CITY TITLE INC, STEEL CTY TITLE INC |
| Oct 27, 2020 | Grant Deed, Transfer STEEL CITY TITLE INC, STEEL CTY TITLE INC |
| Sep 21, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 7, 2024 · Amount on Record |
| Deed Sale | Feb 7, 2024 · Amount on Record |
| Prior Sale | May 25, 2022 · Amount on Record |
| Deed Document Number | 20245746 |
| Deed Book / Page | 3676 / 2335 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | May 19, 2026 |
| Property Address | 7985 98TH CT, VERO BEACH, FL 32967-2826 |
| Document Number | 0000024011 |
| Book / Page | 3861 / 1245 |
| Instrument Date | May 13, 2026 |
| Instrument | 202624011 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 7985 98TH CT, VERO BEACH, FL 32967-2826 |
| Investor | Possibly a Property Investor |
| Document Number | 0000024011, |
|---|---|
| Date | May 19, 2026 |
| Book Page | 3861/1245 |
| Instrument | 202624011 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Jun 1, 2053 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Feb 7, 2024 |
| Property Address | 7985 98TH CT, VERO BEACH, FL 32967-2826 |
| Document Number | 0036762335 |
| Book / Page | 3676 / 2335 |
| Map Reference | MB 5 PG 86 |
| Instrument Date | Feb 6, 2024 |
| Instrument | 3120240005746 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2025 |
| Title Company | ALLIANCE TTL OF THE TREASURE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,555.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10775 134TH CT, FELLSMERE, FL 32948-5842 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 7985 98TH CT, VERO BEACH, FL 32967-2826 |
| Document Number | 0036762336 |
|---|---|
| Date | Feb 7, 2024 |
| Instrument | 3676/2336 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | May 25, 2022 |
| Property Address | 7985 98TH CT, VERO BEACH, FL 32967-2826 |
| Document Number | 0035431700 |
| Book / Page | 3543 / 1700 |
| Map Reference | MB 5 PG 86 |
| Instrument Date | May 5, 2022 |
| Instrument | 3120220033879 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 6, 2024 |
| Title Company | STEEL CITY TITLE INC, STEEL CITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,784.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1686 W HIBISCUS BLVD, MELBOURNE, FL 32901-2631 |
| Name | Verified Name |
|---|---|
| Address | 7985 98TH CT, VERO BEACH, FL 32967-2826 |
| Document Number | 0035431701 |
|---|---|
| Date | May 25, 2022 |
| Instrument | 3543/1701 |
| Name | RADIUS FINANCIAL GROUP INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 7985 98TH CT, VERO BEACH, FL 32967-2826 |
| Document Number | 0033721801 |
| Instrument Date | Dec 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2021 |
| Title Company | STEEL CITY TITLE INC, STEEL CTY TITLE INC |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1383 ROUTE 30 CLINTON PA 150261743, CLINTON, PA 15026-1743 |
| Investor | Possibly a Property Investor |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Oct 27, 2020 |
| Property Address | 7985 98TH CT, VERO BEACH, FL 32967-2826 |
| Document Number | 0033511223 |
| Book / Page | 003351 / 001223 |
| Instrument Date | Oct 9, 2020 |
| Instrument | 64670 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2020 |
| Title Company | STEEL CITY TITLE INC, STEEL CTY TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,061.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1686 W HIBISCUS BLVD MELBOURNE FL 329012631, MELBOURNE, FL 32901-2631 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Sep 21, 2020 |
| Property Address | 7985 98TH CT, VERO BEACH, FL 32967-2826 |
| Document Number | 0033392308 |
| Book / Page | 003339 / 002308 |
| Instrument Date | Aug 31, 2020 |
| Instrument | 55709 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 755 CRANDON BLVD KEY BISCAYNE FL 331492597, KEY BISCAYNE, FL 33149-2597 |
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 | $4,000.00 (-15.31%) Homeowner's exemption | $292,449 (-9.29%) Land $30,887 Building $261,562 | $292,449 (-9.29%) Land $30,887 Building $261,562 |
| 2023 | $4,723.00 (+1,580.78%) | $322,415 (+1,449.48%) Land $25,360 Building $297,055 | $322,415 (+1,449.48%) Land $25,360 Building $297,055 |
| 2022 | $281.00 | $20,808 Land $20,808 | $20,808 Land $20,808 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective May 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 22.4 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 83% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 266 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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