8445 97th Ct, Vero Beach, FL 32967 Property Records

Indian River County property record for 8445 97th Ct, Vero Beach, FL 32967

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,304 sqft · built 2006
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Aug 2017)
Tax Bill	$419 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-38-34-00003-0160-00003.0`

Property Details

APN / Parcel Number

Primary APN	`31-38-34-00003-0160-00003.0`
Alternative APN	`29921`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,304 sqft Living Area
Gross Area	2,704 sqft
1st Floor Area	2,304 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	130 ft deep x 100 ft wide
View / Lot	Interior
Garage Type	Attached
Garage Area	400 sqft
Driveway	Concrete Driveway
Driveway Area	576 sqft
Porch	Open Porch
Porch Area	258 sqft
Patio Area	671 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8445 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 3 PBI 5-38
Legal Range	38E
Legal Township	31S
Legal Section	34
Legal Subdivision	VERO LAKE ESTATES UNIT D
Legal Block	P
Legal Lot Number	3
Legal Unit	D
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	FELLSMERE
Census Block Group	2
Census Block	2099
Census Tract	50903

Owner

Source: Indian River County records, as of May 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	8445 97TH CT, VERO BEACH, FL 32967-2816
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Oct 15, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Aug 11, 2017	Warranty Deed, Transfer · FHA Mortgage PARKSIDE LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2017 · Amount on Record
Deed Sale	Aug 11, 2017 · Amount on Record
Prior Sale	Nov 10, 2006 · Amount on Record
Deed Document Number	201746967
Deed Book / Page	3048 / 36
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	8445 97TH CT, VERO BEACH, FL 32967-2816
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8445 97TH CT, VERO BEACH, FL 32967-2816

Mortgage

Document Number	0038010048
Date	Aug 29, 2025
Book Page	3801/48
Instrument	3120250043140

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2045

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	8445 97TH CT, VERO BEACH, FL 32967-2816
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8445 97TH CT, VERO BEACH, FL 32967-2816

Mortgage

Document Number	0034740131
Date	Oct 15, 2021
Book Page	3474/131
Instrument	3120210072201

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Aug 11, 2017
Property Address	8445 97TH CT, VERO BEACH, FL 32967-2816
Document Number	0030480036
Book / Page	003048 / 000036
Instrument Date	Jul 20, 2017
Instrument	46967
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	PROFESSIONAL TITLE, PROFESSIONAL TITLE OF I.R.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8445 97TH CT VERO BEACH FL 329672816, VERO BEACH, FL 32967-2816

Mortgage

Document Number	30480037
Date	Aug 11, 2017
Book Page	003048/000037
Instrument	46968

Lender

Name	PARKSIDE LNDG
Address	SAN FRANCISCO, CA 94103

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 10, 2047

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	$419.00 (+108.46%) Homeowner's exemption Veteran's exemption	$258,526 (+5.99%)	$327,717 (-5.77%) Land $40,375 Building $287,342
2023	$201.00 (+2.03%)	$243,922 (+11.75%)	$347,788 (+18.1%) Land $33,150 Building $314,638
2022	$197.00	$218,276	$294,476 Land $27,200 Building $267,276

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 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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