8265 W 98th Ave, Vero Beach, FL 32967 Property Records

Indian River County property record for 8265 W 98th Ave, Vero Beach, FL 32967

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,376 sqft · built 2005
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Jun 2026)
Tax Bill	$3,448 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Dec 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`31-38-33-00002-0010-00003.0`

Property Details

APN / Parcel Number

Primary APN	`31-38-33-00002-0010-00003.0`
Alternative APN	`28088`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,376 sqft Living Area
Gross Area	1,796 sqft
1st Floor Area	1,376 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	110 ft deep x 75 ft wide
View / Lot	Interior
Garage Type	Attached
Garage Area	420 sqft
Driveway	Concrete Driveway
Driveway Area	560 sqft
Porch	Open Porch
Porch Area	30 sqft
Patio Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8265 W 98TH AVE
City	VERO BEACH
State	FL
Zip	32967-3404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	VERO LAKE ESTATES UNIT K BLK A LOT 3 PBI 5-83
Legal Range	38E
Legal Township	31S
Legal Section	33
Legal Subdivision	VERO LAKE ESTATES UNIT K
Legal Block	A
Legal Lot Number	3
Legal Unit	K
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	FELLSMERE
Census Block Group	1
Census Block	1009
Census Tract	50903

Owner

Source: Indian River County records, as of July 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	8265 W 98TH AVE, VERO BEACH, FL 32967-3404
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Warranty Deed, Transfer · Conventional Mortgage SPACE COAST CREDIT UNION
Dec 7, 2020	Warranty Deed, Transfer · Conventional Mortgage REPUBLIC BANK & TRUST CO
Sep 18, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 31, 2017	Warranty Deed, Transfer · FHA Mortgage GROUP ONE MORTGAGE INC
Feb 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage MICHAEL MATLOCK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2026 · Amount on Record
Deed Sale	Jun 30, 2026 · Amount on Record
Prior Sale	Dec 7, 2020 · Amount on Record
Deed Document Number	202631241
Deed Book / Page	3871 / 818
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jun 30, 2026
Property Address	8265 W 98TH AVE, VERO BEACH, FL 32967-3404
Document Number	0000031241
Book / Page	3871 / 818
Instrument Date	May 29, 2026
Instrument	202631241
Transaction Type	Transfer
Record Updated	Jul 10, 2026
Title Company	INVESTORS TITLE INSURANCE, INVESTORS TITLE INSURANCE AGEN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$169,680.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8265 W 98TH AVE, VERO BEACH, FL 32967-3404

Mortgage

Document Number	0000031242,
Date	Jun 30, 2026
Instrument	202631242

Lender

Name	SPACE COAST CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Dec 7, 2020
Property Address	8265 W 98TH AVE, VERO BEACH, FL 32967-3404
Document Number	0033642133
Book / Page	3364 / 2133
Map Reference	MB 5 PG 83
Instrument Date	Nov 13, 2020
Instrument	3120200073747
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	TREASURE COAST TTL & SETMNT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,351.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10059 GRACE AVE, 10059, FELLSMERE, FL 32948-5211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2535 12TH SQ SW, VERO BEACH, FL 32968-5065

Mortgage

Document Number	33642135
Date	Dec 7, 2020
Instrument	3364/2135

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Sep 18, 2018
Property Address	8265 W 98TH AVE, VERO BEACH, FL 32967-3404
Document Number	0031490180
Book / Page	003149 / 000180
Instrument Date	Aug 3, 2018
Instrument	56982
Transaction Type	Transfer
Record Updated	Oct 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	8255 W 98TH AVE VERO BEACH FL 329673404, VERO BEACH, FL 32967-3404

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Oct 31, 2017
Property Address	8265 W 98TH AVE, VERO BEACH, FL 32967-3404
Document Number	0030661669
Book / Page	3066 / 1669
Map Reference	MB5 PG83
Instrument Date	Oct 26, 2017
Instrument	3120170062460
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	ALLIANCE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,113.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1338 LOWER ENGLISH CREEK RD, 1338, NEWPORT, TN 37821-6905

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	8265 W 98TH AVE, VERO BEACH, FL 32967-3404

Mortgage

Document Number	3120170062462
Date	Oct 31, 2017
Instrument	3120170062462

Lender

Name	GROUP ONE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	8265 W 98TH AVE, VERO BEACH, FL 32967-3404
Document Number	0029981728
Book / Page	002998 / 001728
Instrument Date	Feb 1, 2017
Transaction Type	Mortgage
Record Updated	Mar 21, 2017
Title Company	ACURA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1338 LOWER ENGLISH CREEK RD NEWPORT TN 378216905, NEWPORT, TN 37821-6905

Mortgage

Document Number	0029981728
Date	Feb 2, 2017
Book Page	002998/001728
Instrument	5832

Lender

Name	MICHAEL MATLOCK
Address	1802 N MORGAN ST, TAMPA, FL 33602-2328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

Interest

Rate	13.9%

Tax Assessment & Valuation

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	$3,448.00 (+11.59%)	$213,258 (-5.64%) Land $27,859 Building $185,399	$213,258 (-5.64%) Land $27,859 Building $185,399
2023	$3,090.00 (+10.08%)	$226,007 (+12.94%) Land $22,874 Building $203,133	$226,007 (+12.94%) Land $22,874 Building $203,133
2022	$2,807.00	$200,121 Land $18,768 Building $181,353	$200,121 Land $18,768 Building $181,353

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	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

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

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% 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

8265 W 98th Ave, Vero Beach, FL 32967 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2026: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

December 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2018: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

October 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on W 98th Ave

Nearby Streets

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