8356 97th Ct, Vero Beach, FL 32967 Property Records

Indian River County property record for 8356 97th Ct, Vero Beach, FL 32967

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,543 sqft · built 2006
Lot Size	0.9 acres (39,204 sqft)
Owner	Individual Name on File
Last Sale	$620,000 (Mar 2025)
Tax Bill	$419 (2025)
Deeds & Mortgages	Mar 2025 Sale & Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`31-38-34-00003-0140-00011.0`

Property Details

APN / Parcel Number

Primary APN	`31-38-34-00003-0140-00011.0`
Alternative APN	`29907`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,543 sqft Living Area
1st Floor Area	2,543 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Shingle
Lot Area	39,204 sqft (0.9 acres)
Lot Dimensions	130 ft deep x 100 ft wide
Garage Area	460 sqft
Driveway	Driveway
Driveway Area	384 sqft

Exterior Amenities

Pool Area	200 sqft
Porch	Open Porch
Porch Area	291 sqft
Patio Area	746 sqft
Fence	Fence
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	29907
Street Address	8356 97TH CT
City	VERO BEACH
State	FL
Zip	32967-2813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	VERO LAKE ESTATES UNIT D PBI 5 - 38 BLK N LOTS 11, 1 AND 2
Legal Range	38
Legal Township	31
Legal Section	34
Legal Subdivision	VERO LAKE ESTATES UNIT D
Legal Block	N
Legal Lot Number	1,11
Legal Unit	D
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	FELLSMERE
Census Block Group	2
Census Block	2102
Census Tract	50903

Owner

8356 97th Ct is owned and occupied by an individual who bought it in March 2025.

Source: Indian River County records, as of March 5, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	8356 97TH CT, VERO BEACH, FL 32967-2813
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 31, 2025	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Jan 20, 2021	Deed of Trust, Mortgage · VA Mortgage AMERISAVE MORTGAGE CORP
May 30, 2018	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2025 · Amount on File
Deed Sale	Mar 31, 2025 · Amount on File
Prior Sale	May 30, 2018 · Amount on File
Deed Document Number	3120250015745
Deed Book / Page	3764 / 2410
Record Updated	Jun 8, 2026

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Mar 31, 2025
Property Address	8356 97TH CT, VERO BEACH, FL 32967-2813
Document Number	0037642410
Book / Page	3764 / 2410
Map Reference	MB 5 PG 38
Instrument Date	Mar 20, 2025
Instrument	3120250015745
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	ALLIANCE TITLE TREASURE COAST, ALLIANCE TTL OF TREASURE COA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,340.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14655 119TH ST, FELLSMERE, FL 32948-7400

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8356 97TH CT, VERO BEACH, FL 32967-2813
Investor	Possibly a Property Investor

Mortgage

Document Number	0037642411
Date	Mar 31, 2025
Instrument	3764/2411

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2055

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	8356 97TH CT, VERO BEACH, FL 32967-2813
Transaction Type	Mortgage
Record Updated	Feb 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8356 97TH CT, VERO BEACH, FL 32967-2813

Mortgage

Document Number	0033790265
Date	Jan 20, 2021
Book Page	3379/265
Instrument	3120210003738

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	May 30, 2018
Property Address	8356 97TH CT, VERO BEACH, FL 32967-2813
Document Number	0031202013
Book / Page	003120 / 002013
Instrument Date	May 29, 2018
Instrument	33091
Transaction Type	Transfer
Record Updated	Jun 20, 2018
Title Company	ALLIANCE TITLE TREASURE COAST

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8356 97TH CT VERO BEACH FL 329672813, VERO BEACH, FL 32967-2813

Mortgage

Document Number	31202014
Date	May 30, 2018
Book Page	003120/002014
Instrument	33092

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 29, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 8356 97th Ct was $419.

Source: Indian River County assessment roll, as of July 1, 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	$419.00	$389,517	$466,897 Land $121,125 Building $345,772
2023	$201.00 (+2.03%)	$291,325 (+3%)	$411,993 (+11.66%) Land $33,150 Building $378,843
2022	$197.00	$282,839	$368,981 Land $27,200 Building $341,781

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 8356 97th Ct 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	20.9 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 249 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	249 in force
Nearby Flood Claims	24 (1994–2017)
Claims Outside the SFHA	16 of 24
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Tropical Storm Fay, Aug 2008 · 3 claims Hurricane Frances, Sep 2004 · 15 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 8356 97th Ct is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% 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 207 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

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