8860 97th Ave, Vero Beach, FL 32967 Property Records

Indian River County property record for 8860 97th Ave, Vero Beach, FL 32967

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,189 sqft · built 1995
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Jan 2018)
Tax Bill	$3,619 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Jan 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`31-38-27-00006-0180-00010.0`

Property Details

APN / Parcel Number

Primary APN	`31-38-27-00006-0180-00010.0`
Alternative APN	`26139`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,189 sqft Living Area
Gross Area	1,853 sqft
1st Floor Area	1,189 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	130 ft deep x 100 ft wide
View / Lot	Interior
Garage Type	Attached
Garage Area	484 sqft
Driveway	Concrete Driveway
Driveway Area	405 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Screened Porch
Porch Area	232 sqft
Patio Area	630 sqft
Utility Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8860 97TH AVE
City	VERO BEACH
State	FL
Zip	32967-3456
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	VERO LAKE ESTATES UNIT B BLK R LOT 10 PBI 4-93
Legal Range	38E
Legal Township	31S
Legal Section	27
Legal Subdivision	VERO LAKE ESTATES UNIT B
Legal Block	R
Legal Lot Number	10
Legal Unit	B
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	FELLSMERE
Census Block Group	2
Census Block	2014
Census Tract	50903

Owner

Source: Indian River County records, as of December 8, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	8860 97TH AVE, VERO BEACH, FL 32967-3456
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage TIAA FSB
Jan 26, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 26, 2018 · Amount on Record
Deed Sale	Jan 26, 2018 · Amount on Record
Prior Sale	Feb 17, 2004 · Amount on Record
Deed Document Number	20184904
Deed Book / Page	3088 / 31
Prior Transfer Date	Jan 6, 2014
Prior Transfer Doc	0027351643
Record Updated	Jun 8, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	8860 97TH AVE, VERO BEACH, FL 32967-3456
Document Number	0031601016
Instrument Date	Oct 26, 2018
Transaction Type	Mortgage
Record Updated	Nov 14, 2018
Title Company	COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	88601 97TH AVE VERO BEACH FL 32967, VERO BEACH, FL 32967

Mortgage

Document Number	0031601016
Date	Nov 1, 2018
Book Page	003160/001016
Instrument	66481

Lender

Name	TIAA FSB
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2048

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jan 26, 2018
Property Address	8860 97TH AVE, VERO BEACH, FL 32967-3456
Document Number	0030880031
Book / Page	003088 / 000031
Instrument Date	Nov 5, 2016
Instrument	4904
Transaction Type	Transfer
Record Updated	Mar 20, 2018

Transaction

Amount	Amount Recorded
Tax	$525.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	246 S LIME ST FELLSMERE FL 329486124, FELLSMERE, FL 32948-6124

Tax Assessment & Valuation

Source: Indian River County assessment roll, as of December 8, 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	$3,619.00 (+13.56%)	$225,276 (-4.54%) Land $40,375 Building $184,901	$225,276 (-4.54%) Land $40,375 Building $184,901
2023	$3,187.00 (+10.35%)	$235,979 (+13.51%) Land $33,150 Building $202,829	$235,979 (+13.51%) Land $33,150 Building $202,829
2022	$2,888.00	$207,889 Land $27,200 Building $180,689	$207,889 Land $27,200 Building $180,689

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 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 Record 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	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 Risk	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	None 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 140 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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