8435 97th Ct, Vero Beach, FL 32967 Property Records

Indian River County property record for 8435 97th Ct, Vero Beach, FL 32967

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 2006
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$174,900 (Sep 2019)
Tax Bill	$2,469 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Sep 2019 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`31-38-34-00003-0160-00004.0`

Property Details

APN / Parcel Number

Primary APN	`31-38-34-00003-0160-00004.0`
Alternative APN	`29922`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,400 sqft Living Area
1st Floor Area	1,400 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	Metal
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	130 ft deep x 100 ft wide
Garage Area	380 sqft
Driveway	Driveway
Driveway Area	512 sqft
Porch	Open Porch
Porch Area	230 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	29922
Street Address	8435 97TH CT
City	VERO BEACH
State	FL
Zip	32967-2816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	VERO LAKE ESTATES UNIT D BLK P LOT 4 PBI 5-38
Legal Range	38
Legal Township	31
Legal Section	34
Legal Subdivision	VERO LAKE ESTATES UNIT D
Legal Block	P
Legal Lot Number	4
Legal Unit	D
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	FELLSMERE
Census Block Group	2
Census Block	2099
Census Tract	50903

Owner

8435 97th Ct is owned and occupied by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	8435 97TH CT, VERO BEACH, FL 32967-2816
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
Jul 16, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Sep 6, 2019	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Dec 29, 2017	Special Warranty Deed, Transfer · FHA Mortgage GROUP ONE MORTGAGE INC
Sep 29, 2017	Grant Deed, Foreclosure SERVICELINK
Jul 7, 2017	Grant Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2019 · Amount on File
Deed Sale	Sep 6, 2019 · Amount on File
Prior Sale	Dec 29, 2017 · Amount on File
Deed Document Number	3120190052184
Deed Book / Page	3235 / 2229
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	8435 97TH CT, VERO BEACH, FL 32967-2816
Document Number	0033211356
Instrument Date	Jul 16, 2020
Transaction Type	Mortgage
Record Updated	Aug 19, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8435 97TH AVE VERO BEACH FL 329673878, VERO BEACH, FL 32967-3878

Mortgage

Document Number	0033211356
Date	Jul 23, 2020
Book Page	003321/001356
Instrument	41989

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Jul 22, 2047

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Sep 6, 2019
Property Address	8435 97TH CT, VERO BEACH, FL 32967-2816
Document Number	0032352229
Book / Page	3235 / 2229
Map Reference	MB 5 PG 38
Instrument Date	Aug 30, 2019
Instrument	3120190052184
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	PROFESSIONAL TTL OF INDIAN R

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,224.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	234 CASH ST, 234, CROYDON, NH 03773-6418

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8435 97TH CT, VERO BEACH, FL 32967-2816

Mortgage

Document Number	32352230
Date	Sep 6, 2019
Instrument	3235-2230

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

December 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Dec 29, 2017
Property Address	8435 97TH CT, VERO BEACH, FL 32967-2816
Document Number	0030820027
Book / Page	3082 / 0027
Map Reference	MB5 PG38
Instrument Date	Dec 28, 2017
Instrument	3120170075209
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	SUPREME TITLE SOUTIONS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$777.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 MARIELTA ST, 40, ATLANTA, GA 30303

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8435 97TH CT, VERO BEACH, FL 32967-2816

Mortgage

Document Number	3120170075210
Date	Dec 29, 2017
Instrument	3120170075210

Lender

Name	GROUP ONE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

September 2017: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Sep 29, 2017
Property Address	8435 97TH CT, VERO BEACH, FL 32967-2816
Document Number	0030581820
Book / Page	003058 / 001820
Instrument Date	Sep 20, 2017
Instrument	55957
Transaction Type	Foreclosure
Record Updated	Apr 16, 2018
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

July 2017: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jul 7, 2017
Property Address	8435 97TH CT, VERO BEACH, FL 32967-2816
Document Number	0030390238
Book / Page	003039 / 000238
Instrument Date	Jun 23, 2017
Instrument	39484
Transaction Type	Foreclosure
Record Updated	Jul 21, 2017

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8435 97TH CT VERO BEACH FL 329672816, VERO BEACH, FL 32967-2816

Tax Assessment & Valuation

The 2025 property tax bill for 8435 97th Ct was $2,469.

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	$2,469.00	$184,632	$230,323 Land $40,375 Building $189,948
2023	$1,985.00 (+3.17%)	$166,663 (+3%)	$237,013 (+12.2%) Land $33,150 Building $203,863
2022	$1,924.00	$161,809	$211,244 Land $27,200 Building $184,044

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

Flood

FEMA maps place 8435 97th Ct in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 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 8435 97th Ct is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% 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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