Indian River County property record for 8115 103rd Ave, Vero Beach, FL 32967
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,876 sqft · built 2023 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $291,857 (Feb 2024) |
| Tax Bill | $3,922 (2025) |
| Deeds & Mortgages | Feb 2024 Second Mortgage Feb 2024 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 31-38-33-00006-0030-00016.0 |
| Primary APN | 31-38-33-00006-0030-00016.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,876 sqft Living Area |
| Gross Area | 2,276 sqft |
| 1st Floor Area | 1,876 sqft |
| Flooring | Tile |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Concrete Block |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 130 ft deep x 75 ft wide |
| View / Lot | Corner |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Driveway | Driveway |
| Driveway Area | 425 sqft |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 8115 103RD AVE |
|---|---|
| City | VERO BEACH |
| State | FL |
| Zip | 32967-3694 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-3 |
| Legal Description | VERO LAKE ESTATES UNIT P BLK C LOT 16 PBI 6-30 |
| Legal Range | 38E |
| Legal Township | 31S |
| Legal Section | 33 |
| Legal Subdivision | VERO LAKE ESTATES UNIT P |
| Legal Block | C |
| Legal Lot Number | 16 |
| Legal Unit | P |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | FELLSMERE |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 50903 |
8115 103rd Ave is owned and occupied by two individuals who acquired it in June 2024.
Source: Indian River County records, as of August 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8115 103RD AVE, VERO BEACH, FL 32967-3694 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
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 |
|---|---|
| Feb 22, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PLAINS COMMERCE BANK |
| Feb 22, 2024 | Deed of Trust, Mortgage · FHA Mortgage PLAINS COMMERCE BANK |
| Mar 21, 2024 | Deed of Trust, Mortgage · FHA Mortgage PLAINS COMMERCE BANK |
| Nov 27, 2017 | Loan Modification, Mortgage · Line of Credit JAY STERN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 22, 2024 · Amount on File |
| Deed Sale | Feb 22, 2024 · Amount on File |
| Deed Document Number | 20248489 |
| Deed Book / Page | 3680 / 74 |
| Last Transfer Date | Jun 6, 2024 |
| Transfer Doc | 0037032177 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 8115 103RD AVE, VERO BEACH, FL 32967-3694 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 454 CHARLOTTA AVE SE, PALM BAY, FL 32909-4137 |
| Document Number | 0036800089 |
|---|---|
| Date | Feb 22, 2024 |
| Book Page | 3680/89 |
| Instrument | 3120240008491 |
| Name | PLAINS COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | 3905 W 49TH ST # 2, SIOUX FALLS, SD 57106 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 8115 103RD AVE, VERO BEACH, FL 32967-3694 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 454 CHARLOTTA AVE SE, PALM BAY, FL 32909-4137 |
| Document Number | 0036800075 |
|---|---|
| Date | Feb 22, 2024 |
| Book Page | 3680/75 |
| Instrument | 3120240008490 |
| Name | PLAINS COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | 3905 W 49TH ST # 2, SIOUX FALLS, SD 57106 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 8115 103RD AVE, VERO BEACH, FL 32967-3694 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2024 |
| Name | Verified Name |
|---|---|
| Address | 454 CHARLOTTA AVE SE, PALM BAY, FL 32909-4137 |
| Document Number | 0036851623 |
|---|---|
| Date | Mar 21, 2024 |
| Book Page | 3685/1623 |
| Instrument | 3120240013431 |
| Name | PLAINS COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | 3905 W 49TH ST # 2, SIOUX FALLS, SD 57106 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2054 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Nov 27, 2017 |
| Property Address | 8115 103RD AVE, VERO BEACH, FL 32967-3694 |
| Document Number | 0030721433 |
| Book / Page | 003072 / 001433 |
| Instrument Date | Nov 17, 2017 |
| Instrument | 67443 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2041 GREY FALCON CIR SW VERO BEACH FL 329628617, VERO BEACH, FL 32962-8617 |
| Document Number | 30721433 |
|---|---|
| Date | Nov 27, 2017 |
| Book Page | 003072/001433 |
| Instrument | 67443 |
| Name | JAY STERN |
|---|---|
| Address | 2041 GREY FALCON CIR SW, VERO BEACH, FL 32962-8617 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 8115 103rd Ave was $3,922 with a homeowner's exemption.
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 | $3,922.00 Homeowner's exemption | $286,944 Land $30,281 Building $256,663 | $286,944 Land $30,281 Building $256,663 |
| 2023 | $282.00 (+12.8%) | $24,863 (+21.88%) Land $24,863 | $24,863 (+21.88%) Land $24,863 |
| 2022 | $250.00 | $20,400 Land $20,400 | $20,400 Land $20,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 8115 103rd Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 | 24.5 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 8115 103rd Ave is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · lower than 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 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 |
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