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8646 97th Ct, Vero Beach, FL 32967 Property Records

Indian River County property record for 8646 97th Ct, Vero Beach, FL 32967

Property Summary

Property TypeResidential Vacant Land
Lot Size0.3 acres (13,068 sqft)
OwnerIndividual Name on Record
Last Sale$34,000 (Dec 2022)
Tax Bill$598 (2025)
Deeds & MortgagesDec 2022 Sale
Oct 2020 Sale & Mortgage
+ 2 more
Flood ZoneZone AE (high risk)
APN31-38-27-00002-0130-00010.0

Property Details

APN / Parcel Number

Primary APN31-38-27-00002-0130-00010.0
Alternative APN
  • 25818

Exterior

Lot Area13,068 sqft (0.3 acres)
Lot Dimensions130 ft deep x 100 ft wide

Location & Zoning

Account Number25818
Street Address8646 97TH CT
CityVERO BEACH
StateFL
Zip32967-3474
Property CategoryResidential
Property TypeVacant Land > Residential
Local Zoning CodeRS-3
Legal DescriptionVERO LAKE ESTATES UNIT C BLK M LOT 10 PBI 5-31
Legal Range38
Legal Township31
Legal Section27
Legal SubdivisionVERO LAKE ESTATES UNIT C
Legal BlockM
Legal Lot Number10
Legal UnitC
JurisdictionINDIAN RIVER FL
Township / Civil DivisionFELLSMERE
Census Block Group2
Census Block2080
Census Tract50903

Owner

Source: Indian River County records, as of December 10, 2025

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

Owner of RecordIndividual Name on Record
Mailing Address100 INDUSTRIAL CIR, SEBASTIAN, FL 32958-3000
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 30, 2022Warranty Deed, Transfer
PROFESSIONAL TITLE, PROFESSIONAL TTL OF TREASURE
Oct 7, 2020Warranty Deed, Transfer · Conventional Mortgage
HOMEBRIDGE FINANCIAL SERVICES INC
Mar 27, 2019Correction Deed
FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO
Nov 27, 2017Loan Modification, Mortgage · Line of Credit
STERN JAY & MICHELLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 30, 2022 · Amount on Record
Deed SaleDec 30, 2022 · Amount on Record
Prior SaleOct 7, 2020 · Amount on Record
Deed Document Number3120220074225
Deed Book / Page3592 / 870
Record UpdatedJun 8, 2026

December 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionINDIAN RIVER FL
Recording DateDec 30, 2022
Property Address8646 97TH CT, VERO BEACH, FL 32967-3474
Document Number0035920870
Book / Page3592 / 870
Map ReferenceMB 5 PG 31
Instrument DateDec 9, 2022
Instrument3120220074225
Transaction TypeTransfer
Record UpdatedDec 11, 2025
Title CompanyPROFESSIONAL TITLE, PROFESSIONAL TTL OF TREASURE

Transaction

AmountAmount Recorded
Tax$238.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 650249, VERO BEACH, FL 32965-0249

Transferred To (Grantee/Buyer)

NameVerified Name

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionINDIAN RIVER FL
Recording DateOct 7, 2020
Property Address8646 97TH CT, VERO BEACH, FL 32967-3474
Document Number0033450945
Book / Page3345 / 945
Map ReferenceMB 5 PG 31
Instrument DateSep 29, 2020
Instrument3120200059906
Transaction TypeTransfer
Record UpdatedJul 28, 2022
Title CompanyPROFESSIONAL TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,452.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 650249, VERO BEACH, FL 32965-0249

Transferred To (Grantee/Buyer)

NameVerified Name
Address8385 105TH AVE, VERO BEACH, FL 32967-3632

Mortgage

Document Number0003345946
DateOct 7, 2020
Instrument3345/946
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 1, 2050

March 2019: Correction Deed

Document TypeCorrection Deed
JurisdictionINDIAN RIVER FL
Recording DateMar 27, 2019
Property Address8646 97TH CT, VERO BEACH, FL 32967-3474
Document Number0031940447
Book / Page003194 / 000447
Instrument DateMar 20, 2019
Instrument17853
Record UpdatedApr 3, 2019
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5005 SE WILLIAMS WAY STUART FL 349972590, STUART, FL 34997-2590

November 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionINDIAN RIVER FL
Recording DateNov 27, 2017
Property Address8646 97TH CT, VERO BEACH, FL 32967-3474
Document Number0030721433
Book / Page003072 / 001433
Instrument DateNov 17, 2017
Instrument67443
Transaction TypeMortgage
Record UpdatedJan 3, 2018

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2041 GREY FALCON CIR SW VERO BEACH FL 329628617, VERO BEACH, FL 32962-8617

Mortgage

Document Number30721433
DateNov 27, 2017
Book Page003072/001433
Instrument67443
Lender
NameSTERN JAY & MICHELLE
Address2041 GREY FALCON CIR SW, VERO BEACH, FL 32962-8617
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyIndian River County
Unified School DistrictIndian River County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$598.00 (+16.12%)$40,375 (+21.79%) Land $40,375$40,375 (+21.79%) Land $40,375
2023$515.00 (+45.89%)$33,150 (+21.88%) Land $33,150$33,150 (+21.88%) Land $33,150
2022$353.00$27,200 Land $27,200$27,200 Land $27,200

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation21.1 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 249 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies249 in force
Nearby Flood Claims24 (1994–2017)
Claims Outside the SFHA16 of 24
Most Recent ClaimSep 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 RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.04% annual chance
ExposureNone
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 SystemINDIAN RIVER COUNTY UTILITIES (2 WTPS)
serves 126,893 people · EPA ID FL3314052
Water SourceGroundwater
Last State InspectionJun 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting14
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

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		2,000 / 250

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