8446 103rd Ct, Vero Beach, FL 32967 Property Records

Indian River County property record for 8446 103rd Ct, Vero Beach, FL 32967

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,302 sqft · built 2016
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$159,000 (Sep 2016)
Tax Bill	$3,285 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`31-38-33-00005-0030-00028.0`

Property Details

APN / Parcel Number

Primary APN	`31-38-33-00005-0030-00028.0`
Alternative APN	`28807`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Building Area	1,302 sqft Living Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.219 acres)
Lot Dimensions	130 ft deep x 75 ft wide
Garage Area	420 sqft
Driveway	Driveway
Driveway Area	400 sqft
Porch	Open Porch
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	28807
Street Address	8446 103RD CT
City	VERO BEACH
State	FL
Zip	32967-6606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	VERO LAKE ESTATES UNIT O BLK C LOT 28 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	28
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
Co-owner	Co-owner on Record
Mailing Address	220 WINDOM AVE, ORCHARD PARK, NY 14127-1518
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2016 · Amount on Record
Deed Sale	Sep 12, 2016 · Amount on Record
Prior Sale	Jun 11, 2015 · Amount on Record
Deed Document Number	3120160052424
Deed Book / Page	2964 / 2246
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	8446 103RD CT, VERO BEACH, FL 32967-6606
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 PAYNE AVE, BUFFALO, NY 14220-1421

Mortgage

Document Number	0033651211
Date	Dec 8, 2020
Book Page	3365/1211
Instrument	3120200074264

Lender

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

Agreement

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

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	$3,285.00 (+12.73%)	$201,788 (-5.08%) Land $30,281 Building $171,507	$201,788 (-5.08%) Land $30,281 Building $171,507
2023	$2,914.00 (+9.59%)	$212,597 (+11.9%) Land $24,863 Building $187,734	$212,597 (+11.9%) Land $24,863 Building $187,734
2022	$2,659.00	$189,981 Land $20,400 Building $169,581	$189,981 Land $20,400 Building $169,581

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	23.3 ft
Flood Insurance Requirement	Required federally backed loans
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	Moderate above 57% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 246 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