Indian River County property record for 825 Reef Rd, Vero Beach, FL 32963
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 6 ba · 5,024 sqft · built 1994 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,650,000 (Apr 2019) |
| Tax Bill | $31,316 (2025) |
| Deeds & Mortgages | May 2019 Mortgage Apr 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-40-22-00001-0005-00001.0 |
| Primary APN | 33-40-22-00001-0005-00001.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 6 Baths |
| Plumbing Fixtures | 19 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 5,024 sqft Living Area |
| 1st Floor Area | 3,043 sqft |
| 2nd Floor Area | 1,890 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Exterior Material | Aluminum Siding |
| Construction Type | Wood Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 20,909 sqft (0.48 acres) |
| Lot Dimensions | 170 ft deep x 123 ft wide |
| Garage Area | 1,365 sqft |
| Pool Area | 630 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 973 sqft |
| Patio Area | 230 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 99268 |
|---|---|
| Street Address | 825 REEF RD |
| City | VERO BEACH |
| State | FL |
| Zip | 32963-2922 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-3 |
| Legal Description | PLAT NO 1 FLORALTON BEACH PBI 3-20 BLK E LOT 1 |
| Legal Range | 40 |
| Legal Township | 33 |
| Legal Section | 22 |
| Legal Subdivision | FLORALTON BEACH SUB NO 1 |
| Legal Block | E |
| Legal Lot Number | 1 2 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 50509 |
Source: Indian River County records, as of March 5, 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 | 825 REEF RD, VERO BEACH, FL 32963-2922 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 14, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UBS BANK USA |
| Apr 16, 2019 | Warranty Deed, Transfer HARBOR TITLE AND ESCROW, HARBOR TITLE & ESCROW |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 16, 2019 · Amount on Record |
| Deed Sale | Apr 16, 2019 · Amount on Record |
| Prior Sale | Oct 5, 2005 · Amount on Record |
| Deed Document Number | 0031991361 |
| Deed Book / Page | 3199 / 1361 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 825 REEF RD, VERO BEACH, FL 32963-2922 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0032062052 |
|---|---|
| Date | May 14, 2019 |
| Book Page | 3206/2052 |
| Instrument | 3120190028347 |
| Name | UBS BANK USA |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Apr 16, 2019 |
| Property Address | 825 REEF RD, VERO BEACH, FL 32963-2922 |
| Document Number | 0031991361 |
| Book / Page | 003199 / 001361 |
| Instrument Date | Apr 16, 2019 |
| Instrument | 22295 |
| Transaction Type | Transfer |
| Record Updated | Apr 23, 2019 |
| Title Company | HARBOR TITLE AND ESCROW, HARBOR TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Tax | $11,550.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 935 STARBOARD DR VERO BEACH FL 329632912, VERO BEACH, FL 32963-2912 |
Source: Indian River County assessment roll, as of July 1, 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 | $31,316.00 (+15.63%) | $2,591,049 (+8.46%) Land $1,043,520 Building $1,547,529 | $2,591,049 (+8.46%) Land $1,043,520 Building $1,547,529 |
| 2023 | $27,082.00 (+16.5%) | $2,389,023 (+25.36%) Land $956,560 Building $1,432,463 | $2,389,023 (+25.36%) Land $956,560 Building $1,432,463 |
| 2022 | $23,247.00 | $1,905,718 Land $869,600 Building $1,036,118 | $1,905,718 Land $869,600 Building $1,036,118 |
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 VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 166 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 467 units insured incl. 301 condo units |
| Nearby Flood Claims | 2 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| 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 | Not rated no burnable land within ember reach |
|---|
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 | CITY OF VERO BEACH serves 37,308 people · EPA ID FL3310206 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 5 ppb (2024) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2020 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 29 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 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T DSL | 100 / 20 |
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