8445 103rd Ave, Vero Beach, FL 32967 Property Records

Indian River County property record for 8445 103rd Ave, Vero Beach, FL 32967

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,764 sqft · built 2006
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Nov 2022)
Tax Bill	$3,138 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-38-33-00005-0030-00005.0`

Property Details

APN / Parcel Number

Primary APN	`31-38-33-00005-0030-00005.0`
Alternative APN	`28785`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,764 sqft Living Area
1st Floor Area	1,764 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	9,583 sqft (0.219 acres)
Lot Dimensions	130 ft deep x 75 ft wide
Garage Area	380 sqft
Driveway	Driveway
Driveway Area	800 sqft
Porch	Open Porch
Porch Area	222 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	28785
Street Address	8445 103RD AVE
City	VERO BEACH
State	FL
Zip	32967-3608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	VERO LAKE ESTATES UNIT O BLK C LOT 5 PBI 6-22
Legal Range	38
Legal Township	31
Legal Section	33
Legal Subdivision	VERO LAKE ESTATES UNIT O
Legal Block	C
Legal Lot Number	5
Legal Unit	O
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	FELLSMERE
Census Block Group	2
Census Block	2116
Census Tract	50903

Owner

Source: Indian River County records, as of March 5, 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	8445 103RD AVE, VERO BEACH, FL 32967-3608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2022 · Amount on Record
Deed Sale	Nov 4, 2022 · Amount on Record
Prior Sale	Mar 24, 2011 · Amount on Record
Deed Document Number	3120220065522
Deed Book / Page	3581 / 2376
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Nov 4, 2022
Property Address	8445 103RD AVE, VERO BEACH, FL 32967-3608
Document Number	0035812376
Book / Page	3581 / 2376
Map Reference	MB 6 PG 22
Instrument Date	Oct 28, 2022
Instrument	3120220065522
Transaction Type	Transfer
Record Updated	Nov 21, 2022
Title Company	PROFESSIONAL TITLE, PROFESSIONAL TTL OF TREASURE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650249, VERO BEACH, FL 32965-0249

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8445 103RD AVE, VERO BEACH, FL 32967-3608

Mortgage

Document Number	3120220065523
Date	Nov 4, 2022
Instrument	3120220065523

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$3,138.00 (+1.42%)	$231,710 (-5.72%) Land $30,281 Building $201,429	$231,710 (-5.72%) Land $30,281 Building $201,429
2023	$3,094.00 (+5.92%)	$245,757 (+11.82%) Land $24,863 Building $220,894	$245,757 (+11.82%) Land $24,863 Building $220,894
2022	$2,921.00	$219,780 Land $20,400 Building $199,380	$219,780 Land $20,400 Building $199,380

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 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

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	Direct burnable vegetation

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 220 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
Verizon Fixed Wireless	300 / 20