875 Reef Rd, Vero Beach, FL 32963 Property Records

Indian River County property record for 875 Reef Rd, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,552 sqft · built 1980
Lot Size	0.439 acres (19,166 sqft)
Owner	2 Individual Names on File
Last Sale	$895,000 (Jun 2016)
Tax Bill	$20,705 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`33-40-22-00001-0005-00004.0`

Property Details

APN / Parcel Number

Primary APN	`33-40-22-00001-0005-00004.0`
Alternative APN	`99271`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,552 sqft Living Area
1st Floor Area	3,432 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2000
Exterior Material	Fiber Cement Siding
Construction Type	Wood Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Metal
Lot Area	19,166 sqft (0.439 acres)
Lot Dimensions	170 ft deep x 113 ft wide
Garage Area	556 sqft
Driveway	Driveway
Driveway Area	1,764 sqft

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	450 sqft
Porch	Enclosed Porch
Porch Area	457 sqft
Deck Area	2,665 sqft
Patio Area	659 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	99271
Street Address	875 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 4
Legal Range	40
Legal Township	33
Legal Section	22
Legal Subdivision	FLORALTON BEACH SUB NO 1
Legal Block	E
Legal Lot Number	4
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1005
Census Tract	50509

Owner

875 Reef Rd is owned by two individuals who acquired it in June 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	1621 SPRING LAKE DR, ORLANDO, FL 32804-7100
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2016 · Amount on File
Deed Sale	Jun 17, 2016 · Amount on File
Prior Sale	Nov 23, 1998 · Amount on File
Deed Document Number	0002944279
Deed Book / Page	2944 / 279
Last Transfer Date	Jun 21, 2016
Transfer Doc	0029440279
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	875 REEF RD, VERO BEACH, FL 32963-2922
Transaction Type	Mortgage
Record Updated	Jan 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1621 SPRING LAKE DR, ORLANDO, FL 32804-7100

Mortgage

Document Number	0034952457
Date	Dec 27, 2021
Book Page	3495/2457
Instrument	3120210087864

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Dec 1, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 875 Reef Rd was $20,705.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$20,705.00	$1,705,052 Land $956,568 Building $748,484	$1,705,052 Land $956,568 Building $748,484
2023	$17,836.00 (+14.37%)	$1,569,261 (+20.89%) Land $876,853 Building $692,408	$1,569,261 (+20.89%) Land $876,853 Building $692,408
2022	$15,595.00	$1,298,075 Land $797,139 Building $500,936	$1,298,075 Land $797,139 Building $500,936

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

Flood

FEMA maps place 875 Reef Rd in Zone X, an area of minimal flood risk, within 500 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 AO, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	Hurricane Irma, Sep 2017 · 2 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

The area around 875 Reef Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 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