Indian River County property record for 846 Iris Ln, Vero Beach, FL 32963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,280 sqft · built 1998 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $919,000 (Apr 2019) |
| Tax Bill | $12,970 (2025) |
| Deeds & Mortgages | Apr 2019 Sale & Mortgage Dec 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-40-32-00000-0090-00009.0 |
| Primary APN | 32-40-32-00000-0090-00009.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,280 sqft Living Area |
| 1st Floor Area | 2,280 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Clay Tile |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 135 ft deep x 80 ft wide |
| Garage Area | 440 sqft |
| Driveway | Driveway |
| Driveway Area | 1,044 sqft |
| Pool Area | 1 sqft |
|---|---|
| Porch | Finished/Screened Porch |
| Porch Area | 304 sqft |
| Patio Area | 504 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 58423 |
|---|---|
| Street Address | 846 IRIS LN |
| City | VERO BEACH |
| State | FL |
| Zip | 32963-2081 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A |
| Legal Description | A PARCEL OF LAND BEING A PART OF SW 1/4 OF SW 1/4 & BEING MORE PARTLY BOUNDED & DESC AS FOLL: BEG AT SE COR OF BLK 3, TOWN & |
| Legal Range | 40 |
| Legal Township | 32 |
| Legal Section | 32 |
| Legal Subdivision | TOWN & BEACH ESTATES SUB |
| Legal Block | 3,5 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 1 |
| Census Block | 1047 |
| Census Tract | 50504 |
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 | 2 Trust Names on Record |
|---|---|
| Co-owner | 2 Co-owners on Record |
| Mailing Address | 846 IRIS LN, VERO BEACH, FL 32963-2081 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Apr 4, 2019 | Warranty Deed, Transfer · ARM MARINE BANK & TRUST CO |
| Dec 28, 2017 | Deed of Trust, Mortgage · Conventional Mortgage SCHMIDT MARY N |
| Oct 6, 2017 | Warranty Deed, Transfer ELITE TITLE/THE TREASURE |
| Deed Names | 4 Names on Deed |
|---|---|
| Last Sale | Apr 4, 2019 · Amount on Record |
| Deed Sale | Apr 4, 2019 · Amount on Record |
| Prior Sale | Mar 21, 2000 · Amount on Record |
| Deed Document Number | 3120190019969 |
| Deed Book / Page | 3196 / 1778 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Apr 4, 2019 |
| Property Address | 846 IRIS LN, VERO BEACH, FL 32963-2081 |
| Document Number | 0031961778 |
| Book / Page | 3196 / 1778 |
| Instrument Date | Apr 1, 2019 |
| Instrument | 3120190019969 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2021 |
| Title Company | ELITE TTL OF TREASURE COAST |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,433.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 846 IRIS LN, 846, VERO BEACH, FL 32963-2081 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 846 IRIS LN, VERO BEACH, FL 32963-2081 |
| Document Number | 3120190019972 |
|---|---|
| Date | Apr 4, 2019 |
| Instrument | 3120190019972 |
| Name | MARINE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Type Change Date | May 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 6.62% |
| Index | 1-Year LIBOR |
| Margin | 3 |
| Max Rate | 9.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 846 IRIS LN, VERO BEACH, FL 32963-2081 |
| Document Number | 0030812196 |
| Book / Page | 003081 / 002196 |
| Instrument Date | Dec 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2018 |
| Title Company | ATLANTIC COASTAL LAND TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 846 IRIS LN VERO BEACH FL 329632081, VERO BEACH, FL 32963-2081 |
| Document Number | 0030812196 |
|---|---|
| Date | Dec 28, 2017 |
| Book Page | 003081/002196 |
| Instrument | 75083 |
| Name | SCHMIDT MARY N |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 27, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Oct 6, 2017 |
| Property Address | 846 IRIS LN, VERO BEACH, FL 32963-2081 |
| Document Number | 0030610633 |
| Book / Page | 003061 / 000633 |
| Instrument Date | Oct 2, 2017 |
| Instrument | 57654 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2017 |
| Title Company | ELITE TITLE/THE TREASURE |
| Amount | Amount Recorded |
|---|---|
| Tax | $5,705.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 846 IRIS LN VERO BEACH FL 329632081, VERO BEACH, FL 32963-2081 |
Source: Indian River County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Municipality | Vero Beach City |
| Unified School District | Indian River County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,970.00 (+9.29%) | $841,612 (+5.99%) | $1,446,606 (+20.04%) Land $544,000 Building $902,606 |
| 2023 | $11,867.00 (+2.92%) | $794,072 (+3%) | $1,205,146 (+31.14%) Land $544,000 Building $661,146 |
| 2022 | $11,530.00 | $770,943 | $918,969 Land $374,000 Building $544,969 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 433 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 622 units insured incl. 189 condo units |
| Nearby Flood Claims | 129 (1979–2024) |
| Claims Outside the SFHA | 59 of 129 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF VERO BEACH serves 37,308 people · EPA ID FL3310206 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 5 ppb (2024) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2020 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 29 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.
Source: FCC Broadband Data Collection, based on 255 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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