Indian River County property record for 8045 98th Ct, Vero Beach, FL 32967
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,044 sqft · built 1995 |
| Lot Size | 0.69 acres (30,056 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $130,000 (Oct 2017) |
| Tax Bill | $1,621 (2025) |
| Deeds & Mortgages | Dec 2023 Transfer Jul 2022 Line of Credit + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-38-33-00003-0020-00005.0 |
| Primary APN | 31-38-33-00003-0020-00005.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,044 sqft Living Area |
| 1st Floor Area | 1,044 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Custom Design |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 30,056 sqft (0.69 acres) |
| Lot Dimensions | 135 ft deep x 75 ft wide |
| View / Lot | Interior |
| Garage Type | Detached |
| Garage Area | 960 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 865 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 75 sqft |
| Deck Area | 240 sqft |
| Utility Building | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 8045 98TH CT |
|---|---|
| City | VERO BEACH |
| State | FL |
| Zip | 32967-2828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-3 |
| Legal Description | VERO LAKE ESTATES UNIT L PBI 5 - 86 BLK B LOTS 4 THROUGH 6 |
| Legal Range | 38E |
| Legal Township | 31S |
| Legal Section | 33 |
| Legal Subdivision | VERO LAKE ESTATES UNIT L |
| Legal Block | B |
| Legal Lot Number | 4-6 |
| 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 December 8, 2025
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 Company Names on Record |
|---|---|
| Mailing Address | 8045 98TH CT, VERO BEACH, FL 32967-2828 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Dec 20, 2023 | Intrafamily Transfer, Transfer |
| Jul 29, 2022 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Dec 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 24, 2018 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ADMIRALS BANK |
| Mar 15, 2019 | Deed of Trust, Mortgage · Conventional with PMI CHAMPION CU |
| Mar 6, 2018 | Warranty Deed, Transfer ATLANTIC COASTAL LAND TITLE COMPANY |
| Jul 27, 2017 | Deed of Trust, Mortgage · Conventional with PMI CHAMPION CU |
| Oct 19, 2017 | Warranty Deed, Transfer STEWART TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 19, 2017 · Amount on Record |
| Deed Sale | Oct 19, 2017 · Amount on Record |
| Prior Sale | May 18, 2013 · Amount on Record |
| Deed Document Number | 201760115 |
| Deed Book / Page | 3064 / 7 |
| Prior Transfer Date | Apr 17, 1996 |
| Prior Transfer Doc | 1102001814 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Dec 20, 2023 |
| Property Address | 8045 98TH CT, VERO BEACH, FL 32967-2828 |
| Document Number | 0036681730 |
| Book / Page | 3668 / 1730 |
| Map Reference | MB 5 PG 86 |
| Instrument Date | Dec 20, 2023 |
| Instrument | 3120230062720 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8045 98TH CT, VERO BEACH, FL 32967-2828 |
| Name | Verified Name |
|---|---|
| Address | 8045 98TH CT, VERO BEACH, FL 32967-2828 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 8045 98TH CT, VERO BEACH, FL 32967-2828 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|---|
| Address | 8045 98TH CT, VERO BEACH, FL 32967-2828 |
| Document Number | 0035591835 |
|---|---|
| Date | Jul 29, 2022 |
| Book Page | 3559/1835 |
| Instrument | 3120220047132 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 8045 98TH CT, VERO BEACH, FL 32967-2828 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 8045 98TH CT, VERO BEACH, FL 32967-2828 |
| Document Number | 0034902026 |
|---|---|
| Date | Dec 8, 2021 |
| Book Page | 3490/2026 |
| Instrument | 3120210084231 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 8045 98TH CT, VERO BEACH, FL 32967-2828 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | RES TITLE |
| Name | Verified Name |
|---|
| Document Number | 0031351289 |
|---|---|
| Date | Jul 24, 2018 |
| Book Page | 3135/1289 |
| Instrument | 3120180045510 |
| Name | ADMIRALS BANK |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Jun 20, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 8045 98TH CT, VERO BEACH, FL 32967-2828 |
| Document Number | 0031922067 |
| Instrument Date | Mar 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 8045 98TH CT VERO BEACH FL 329672828, VERO BEACH, FL 32967-2828 |
| Document Number | 0031922067 |
|---|---|
| Date | Mar 21, 2019 |
| Book Page | 003192/002067 |
| Instrument | 16662 |
| Name | CHAMPION CU |
|---|---|
| Type | Credit Union |
| Address | CANTON, NC 28716 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 20, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Mar 6, 2018 |
| Property Address | 8045 98TH CT, VERO BEACH, FL 32967-2828 |
| Document Number | 0030971521 |
| Book / Page | 003097 / 001521 |
| Instrument Date | Feb 28, 2018 |
| Instrument | 13253 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2018 |
| Title Company | ATLANTIC COASTAL LAND TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8075 98TH CT VERO BEACH FL 329672828, VERO BEACH, FL 32967-2828 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 8045 98TH CT, VERO BEACH, FL 32967-2828 |
| Document Number | 0030450990 |
| Book / Page | 003045 / 000990 |
| Instrument Date | Jul 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2017 |
| Name | Verified Name |
|---|---|
| Address | 9 INDIAN TRAIL LOOP WAYNESVILLE NC 287865467, WAYNESVILLE, NC 28786-5467 |
| Document Number | 0030450990 |
|---|---|
| Date | Aug 1, 2017 |
| Book Page | 003045/000990 |
| Instrument | 44754 |
| Name | CHAMPION CU |
|---|---|
| Type | Credit Union |
| Address | CANTON, NC 28716 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 31, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Oct 19, 2017 |
| Property Address | 8045 98TH CT, VERO BEACH, FL 32967-2828 |
| Document Number | 0030640007 |
| Book / Page | 003064 / 000007 |
| Instrument Date | Jul 24, 2017 |
| Instrument | 60115 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2017 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $910.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9 INDIAN TRAIL LOOP WAYNESVILLE NC 287865467, WAYNESVILLE, NC 28786-5467 |
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 | $1,621.00 (+24.6%) | $124,939 (+5.99%) | $253,868 (+11.05%) Land $92,661 Building $161,207 |
| 2023 | $1,301.00 (+3.58%) | $117,881 (+3%) | $228,616 (+13.9%) Land $76,080 Building $152,536 |
| 2022 | $1,256.00 | $114,447 | $200,708 Land $62,424 Building $138,284 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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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