Indian River County property record for 855 Reef Rd, Vero Beach, FL 32963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,789 sqft · built 1960 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $2,044,900 (Jun 2023) |
| Tax Bill | $25,444 (2025) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Jul 2021 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-40-22-00001-0005-00003.0 |
| Primary APN | 33-40-22-00001-0005-00003.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,789 sqft Living Area |
| Gross Area | 3,341 sqft |
| 1st Floor Area | 2,281 sqft |
| 2nd Floor Area | 508 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 19,166 sqft (0.44 acres) |
| Lot Dimensions | 170 ft deep x 112 ft wide |
| View / Lot | Above Average |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Pool Area | 720 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 300 sqft |
| Patio Area | 271 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 855 REEF RD |
|---|---|
| City | VERO BEACH |
| State | FL |
| Zip | 32963-2922 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-3 |
| Legal Description | PLAT NO 1 FLORALTON BEACH PBI 3-20 BLK E LOT 3 |
| Legal Range | 40E |
| Legal Township | 33S |
| Legal Section | 22 |
| Legal Subdivision | FLORALTON BEACH SUB NO 1 |
| Legal Block | E |
| Legal Lot Number | 3 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 50509 |
Source: Indian River County records, as of February 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 855 REEF RD, VERO BEACH, FL 32963-2922 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jun 8, 2023 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jul 8, 2021 | Deed of Trust, Mortgage · Line of Credit SPACE COAST CU |
| Jul 8, 2022 | Warranty Deed, Transfer · Conventional Mortgage FIRST REPUBLIC BANK |
| May 9, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Mar 3, 2017 | Deed of Trust, Mortgage · Conventional Mortgage PROMINENCE TITLE AND ESCROW LLC, PROMINENCE TITLE & ESCROW LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 8, 2023 · Amount on Record |
| Deed Sale | Jun 8, 2023 · Amount on Record |
| Prior Sale | Jul 8, 2022 · Amount on Record |
| Deed Document Number | 202329168 |
| Deed Book / Page | 3627 / 1241 |
| Prior Transfer Date | Oct 7, 1997 |
| Prior Transfer Doc | 1176002312 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Jun 8, 2023 |
| Property Address | 855 REEF RD, VERO BEACH, FL 32963-2922 |
| Document Number | 0036271241 |
| Book / Page | 3627 / 1241 |
| Map Reference | MB 3 PG 20 |
| Instrument Date | May 31, 2023 |
| Instrument | 3120230029168 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2023 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $14,314.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 375 SAWYER BRIDGE TRL, PONTE VEDRA, FL 32081-1220 |
| Name | Verified Name |
|---|---|
| Address | 121 HUNTERS LN, DEVON, PA 19333-1216 |
| Document Number | 0036271243 |
|---|---|
| Date | Jun 8, 2023 |
| Book Page | 3627/1243 |
| Instrument | 3120230029169 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 855 REEF RD, VERO BEACH, FL 32963-2922 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 855 REED RD, VERO BEACH, FL 32963-2922 |
| Document Number | 0034420041 |
|---|---|
| Date | Jul 8, 2021 |
| Book Page | 3442/41 |
| Instrument | 3120210049378 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | MELBOURNE, FL 32940 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 168 Months |
| Due | Jul 25, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Jul 8, 2022 |
| Property Address | 855 REEF RD, VERO BEACH, FL 32963-2922 |
| Document Number | 0035550665 |
| Book / Page | 3555 / 665 |
| Map Reference | MB 3 PG 20 |
| Instrument Date | Jun 30, 2022 |
| Instrument | 3120220043239 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2022 |
| Title Company | OCEANSIDE TITLE AND ESCROW, OCEANSIDE TITLE & ESCROW INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $14,350.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 628 BANYAN RD, 628, VERO BEACH, FL 32963-1729 |
| Name | Verified Name |
|---|---|
| Address | 855 REEF RD, VERO BEACH, FL 32963-2922 |
| Document Number | 0003555667 |
|---|---|
| Date | Jul 8, 2022 |
| Instrument | 3555/667 |
| Name | FIRST REPUBLIC BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.6% |
| Type Change Date | Jul 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.95% |
| Index | 1-Year CMT |
| Max Rate | 10.9% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 855 REEF RD, VERO BEACH, FL 32963-2922 |
| Document Number | 0031181464 |
| Instrument Date | May 9, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2018 |
| Title Company | PROMINENCE TITLE AND ESCROW LLC |
| Name | Verified Name |
|---|---|
| Address | 3001 LESLIE DR ORLANDO FL 328066540, ORLANDO, FL 32806-6540 |
| Document Number | 0031181464 |
|---|---|
| Date | May 22, 2018 |
| Book Page | 003118/001464 |
| Instrument | 31415 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 21, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 855 REEF RD, VERO BEACH, FL 32963-2922 |
| Document Number | 0030100126 |
| Instrument Date | Mar 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Title Company | PROMINENCE TITLE AND ESCROW LLC, PROMINENCE TITLE & ESCROW LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 635 TERRACE BIVD ORLANDO FL 32803, ORLANDO, FL 32803 |
| Document Number | 0030100126 |
|---|---|
| Date | Mar 24, 2017 |
| Book Page | 003010/000126 |
| Instrument | 15271 |
| Address | 1455 SELBYDON WAY, WINTER GARDEN, FL 34787-4654 |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Indian River County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Unified School District | Indian River County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $25,444.00 (+45.07%) | $1,821,837 (+41.75%) Land $956,568 Building $865,269 | $1,821,837 (+41.75%) Land $956,568 Building $865,269 |
| 2023 | $17,539.00 (+78.5%) | $1,285,239 (+76.98%) Land $876,853 Building $408,386 | $1,285,239 (+17.56%) Land $876,853 Building $408,386 |
| 2022 | $9,826.00 | $726,200 | $1,093,301 Land $797,139 Building $296,162 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 AO, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 166 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 467 units insured incl. 301 condo units |
| Nearby Flood Claims | 2 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| 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 | Not rated no burnable land within 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 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T DSL | 100 / 20 |
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