8225 97th Ave, Vero Beach, FL 32967 Property Records

Indian River County property record for 8225 97th Ave, Vero Beach, FL 32967

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (Apr 2026)
Tax Bill	$355 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`31-38-34-00004-0130-00006.0`

Property Details

APN / Parcel Number

Primary APN	`31-38-34-00004-0130-00006.0`
Alternative APN	`30053`

Exterior

Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	130 ft deep x 75 ft wide
View / Lot	Interior

Location & Zoning

Street Address	8225 97TH AVE
City	VERO BEACH
State	FL
Zip	32967-3874
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	RS-3
Legal Description	VERO LAKE ESTATES UNIT E PBI 5-51 BLK M LOT 6
Legal Range	38E
Legal Township	31S
Legal Section	34
Legal Subdivision	VERO LAKE ESTATES UNIT E
Legal Block	M
Legal Lot Number	6
Legal Unit	E
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	FELLSMERE
Census Block Group	1
Census Block	1006
Census Tract	50903

Owner

8225 97th Ave, residential vacant land, is owned and occupied by an individual who bought it in April 2026.

Source: Indian River County records, as of July 9, 2026

Owner of Record	Individual Name on File
Mailing Address	8225 97TH AVE, VERO BEACH, FL 32967-3874
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · VA Mortgage INSPIRE HOME LOANS INC
Apr 24, 2026	Warranty Deed, Transfer · FHA Mortgage INSPIRE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2026 · Amount on File
Deed Sale	Apr 24, 2026 · Amount on File
Prior Sale	Feb 27, 2025 · Amount on File
Deed Document Number	202619331
Deed Book / Page	3854 / 2426
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Recording Date	Jun 29, 2026
Property Address	8225 97TH AVE, VERO BEACH, FL 32967-3874
Document Number	0000030945
Book / Page	3870 / 2234
Instrument Date	Jun 26, 2026
Instrument	202630945
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7860 96TH CT, VERO BEACH, FL 32967-2713

Mortgage

Document Number	0000030945,
Date	Jun 29, 2026
Book Page	3870/2234
Instrument	202630945

Lender

Name	INSPIRE HOME LOANS INC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Apr 24, 2026
Property Address	8225 97TH AVE, VERO BEACH, FL 32967-3874
Document Number	0038542426
Book / Page	3854 / 2426
Instrument Date	Apr 22, 2026
Instrument	202619331
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	CP TITLE, CMP TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$226,240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8225 97TH AVE, VERO BEACH, FL 32967-3874

Mortgage

Document Number	0000019332,
Date	Apr 24, 2026
Instrument	202619332

Lender

Name	INSPIRE HOME LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 8225 97th Ave was $355.

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	$355.00	$30,281 Land $30,281	$30,281 Land $30,281
2023	$541.00 (+14.62%)	$54,366 (+21.88%) Land $54,366	$54,366 (+21.88%) Land $54,366
2022	$472.00	$44,608 Land $44,608	$44,608 Land $44,608

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 8225 97th 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	21.1 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	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

Wildfire risk around 8225 97th Ave is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 97th Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures