860 River Trl, Vero Beach, FL 32963 Property Records

Indian River County property record for 860 River Trl, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,639 sqft · built 2000
Lot Size	0.289 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$760,000 (Mar 2014)
Tax Bill	$9,410 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Mar 2020 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`31-39-35-00004-0000-00092.0`

Property Details

APN / Parcel Number

Primary APN	`31-39-35-00004-0000-00092.0`
Alternative APN	`40304`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,639 sqft Living Area
1st Floor Area	3,639 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Metal
Lot Area	12,632 sqft (0.289 acres)
Lot Dimensions	142 ft deep x 90 ft wide
Garage Area	756 sqft
Driveway	Driveway
Driveway Area	1,664 sqft

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	308 sqft
Patio Area	914 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	40304
Street Address	860 RIVER TRL
City	VERO BEACH
State	FL
Zip	32963-3934
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	INDIAN TRAILS UNIT TWO SUB LOT 92 PBI 13-12
Legal Range	39
Legal Township	31
Legal Section	35
Legal Subdivision	INDIAN TRAILS SUB UNIT 2
Legal Lot Number	92
Legal Unit	2
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	2
Census Block	2006
Census Tract	50506

Owner

860 River Trl is owned and occupied by an individual who bought it in March 2014.

Source: Indian River County records, as of March 5, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	860 RIVER TRL, INDIAN RIVER SHORES, FL 32963-3934
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2026	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK
Mar 27, 2020	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2014 · Amount on File
Deed Sale	Mar 11, 2014 · Amount on File
Prior Sale	Jun 17, 2011 · Amount on File
Deed Document Number	3120140013505
Deed Book / Page	2743 / 0516
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	860 RIVER TRL, VERO BEACH, FL 32963-3934
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 RIVER TRL, INDIAN RIVER SHORES, FL 32963-3934

Mortgage

Document Number	0038360576
Date	Feb 5, 2026
Book Page	3836/576
Instrument	3120260005465

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	860 RIVER TRL, INDIAN RIVER SHORES, FL 32963-3934
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032890112
Date	Mar 27, 2020
Book Page	3289/112
Instrument	3120200018430

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	192 Months
Due	Mar 19, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 860 River Trl was $9,410.

Source: Indian River County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Indian River County
Municipality	Indian River Shores Town
Unified School District	Indian River County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,410.00	$793,113	$1,192,614 Land $327,872 Building $864,742
2023	$8,580.00 (+2.5%)	$748,311 (+3%)	$1,089,167 (+22.74%) Land $273,227 Building $815,940
2022	$8,371.00	$726,515	$887,372 Land $273,227 Building $614,145

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 860 River Trl in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 580 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	949 units insured incl. 369 condo units

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

Wildfire risk around 860 River Trl is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.01% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 317 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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