Indian River County property record for 8686 104th Ave, Vero Beach, FL 32967
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,532 sqft · built 2006 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $355,000 (Feb 2026) |
| Tax Bill | $3,415 (2025) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage Aug 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-38-28-00005-0040-00032.0 |
| Primary APN | 31-38-28-00005-0040-00032.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,532 sqft Living Area |
| Gross Area | 1,952 sqft |
| 1st Floor Area | 1,532 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 15,682 sqft (0.36 acres) |
| Lot Dimensions | 130 ft deep x 120 ft wide |
| View / Lot | Corner |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 504 sqft |
| Porch | Screened Porch |
| Porch Area | 210 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 8686 104TH AVE |
|---|---|
| City | VERO BEACH |
| State | FL |
| Zip | 32967-4219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-3 |
| Legal Description | VERO LAKE ESTATES UNIT N BLK D LOT 32 PBI 6-19 |
| Legal Range | 38E |
| Legal Township | 31S |
| Legal Section | 28 |
| Legal Subdivision | VERO LAKE ESTATES UNIT N |
| Legal Block | D |
| Legal Lot Number | 32 |
| Legal Unit | N |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | FELLSMERE |
| Census Block Group | 2 |
| Census Block | 2125 |
| Census Tract | 50903 |
8686 104th Ave is owned and occupied by two individuals who bought it in February 2026.
Source: Indian River County records, as of June 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8686 104TH AVE, VERO BEACH, FL 32967-4219 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 9, 2026 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC |
| Aug 29, 2023 | Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP |
| May 19, 2017 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 9, 2026 · Amount on File |
| Deed Sale | Feb 9, 2026 · Amount on File |
| Prior Sale | Aug 29, 2023 · Amount on File |
| Deed Document Number | 20265890 |
| Deed Book / Page | 3836 / 2121 |
| Prior Transfer Date | Sep 14, 2006 |
| Prior Transfer Doc | 0020871685 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Feb 9, 2026 |
| Property Address | 8686 104TH AVE, VERO BEACH, FL 32967-4219 |
| Document Number | 0038362121 |
| Book / Page | 3836 / 2121 |
| Map Reference | MB 6 PG 19 |
| Instrument Date | Feb 6, 2026 |
| Instrument | 3120260005890 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2026 |
| Title Company | STEWART TITLE, STERLING TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,485.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4950 INDRIO RD, FORT PIERCE, FL 34951-3527 |
| Name | Verified Name |
|---|---|
| Address | 8686 104TH AVE, VERO BEACH, FL 32967-4219 |
| Document Number | 0038362123 |
|---|---|
| Date | Feb 9, 2026 |
| Instrument | 3836/2123 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Aug 29, 2023 |
| Property Address | 8686 104TH AVE, VERO BEACH, FL 32967-4219 |
| Document Number | 0036461618 |
| Book / Page | 3646 / 1618 |
| Map Reference | MB 6 PG 19 |
| Instrument Date | Aug 29, 2023 |
| Instrument | 3120230043981 |
| Transaction Type | Transfer |
| Record Updated | Sep 12, 2023 |
| Title Company | ALLIANCE TITLE TREASURE COAST, ALLIANCE TTL OF TREASURE COA |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,380.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8746 105TH CT, VERO BEACH, FL 32967-3274 |
| Name | Verified Name |
|---|---|
| Address | 8686 104TH AVE, VERO BEACH, FL 32967-4219 |
| Document Number | 3120230043982 |
|---|---|
| Date | Aug 29, 2023 |
| Instrument | 3120230043982 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 8686 104TH AVE, VERO BEACH, FL 32967-4219 |
| Document Number | 0030281820 |
| Book / Page | 003028 / 001820 |
| Instrument Date | May 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2017 |
| Title Company | SECURITY CONNECTIONS INC |
| Name | Verified Name |
|---|---|
| Address | 8686 104TH AVE VERO BEACH FL 329674219, VERO BEACH, FL 32967-4219 |
| Document Number | 0030281820 |
|---|---|
| Date | May 30, 2017 |
| Book Page | 003028/001820 |
| Instrument | 30953 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 29, 2047 |
The 2025 property tax bill for 8686 104th Ave was $3,415 with a homeowner's exemption.
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 | $3,415.00 Homeowner's exemption | $251,214 Land $48,668 Building $202,546 | $251,214 Land $48,668 Building $202,546 |
| 2023 | $1,173.00 (+3.71%) | $108,812 (+3%) | $261,463 (+12.38%) Land $39,959 Building $221,504 |
| 2022 | $1,131.00 | $105,642 | $232,669 Land $32,787 Building $199,882 |
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.
FEMA maps place 8686 104th Ave in Zone X, an area of minimal 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 minimal risk |
|---|---|
| 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 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 |
|
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 risk around 8686 104th Ave is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · lower than 65% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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.
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 |
| 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.
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 |
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