Indian River County property record for 89 Cache Cay Dr, Vero Beach, FL 32963 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3.5 Baths |
| Year Built | Built 2024 |
| Square Footage | 2,974 sqft Living Area |
| Lot Size | 16,117 sqft (0.37 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $480,000 (2020) |
| Tax Bill | $27,741.00 (2025) |
| Primary APN | 32-40-29-00014-0000-00045.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Building Area | 2,974 sqft Living Area |
| Gross Area | 3,502 sqft Gross Area |
| 1st Floor Area | 2,974 sqft 1st Floor |
| Stories | 1 Story |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Wood Siding |
| Roof Type | Hip |
| Roof Material | Concrete |
| Lot Area | 16,117 sqft (0.37 acres) |
| Lot Dimensions | 140 ft deep x 112 ft wide |
| Driveway | Brick Driveway |
| Driveway Area | 2,400 sqft Driveway |
| Garage Type | Attached |
| Garage Area | 528 sqft Garage |
| Pool Area | 1 sqft Pool |
|---|---|
| Patio Area | 782 sqft Patio |
| Porch | Open Porch |
| Porch Area | 112 sqft Porch |
| View / Lot | Canal/Waterfront |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 89 CACHE CAY DR |
|---|---|
| City | VERO BEACH |
| State | FL |
| Zip | 32963-1211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CACHE CAY SUBDIVISION LOT 45 PBI 9-62 & 62A |
| Legal Range | 40E |
| Legal Township | 32S |
| Legal Section | 29 |
| Legal Subdivision | CACHE CAY SUBDIVISION |
| Legal Lot Number | 45 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 50505 |
Source: Indian River County records · APN 32-40-29-00014-0000-00045.0
Assessment roll updated December 8, 2025 · Last verified August 2026
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 File |
|---|---|
| Mailing Address | 89 CACHE CAY DR, VERO BEACH, FL 32963-1211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Oct 26, 2022 | Deed of Trust, Mortgage · Conventional Mortgage SOUTH STATE BANK NA |
| Oct 24, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage SOUTH STATE BANK NA |
| Oct 20, 2022 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Jun 15, 2020 | Warranty Deed, Transfer CENTERSTATE BK NA |
| Jul 22, 2019 | Warranty Deed, Transfer LIBERTY TITLE COMPANY/AMERICA INC, LIBERTY TITLE CO/AMERICA INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 15, 2020 · Amount on Record |
| Deed Sale | Jun 15, 2020 · Amount on Record |
| Prior Sale | Jul 22, 2019 · Amount on Record |
| Deed Document Number | 202032919 |
| Deed Book / Page | 3309 / 1671 |
| Last Transfer Date | Oct 13, 2022 |
| Transfer Doc | 0035790232 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 89 CACHE CAY DR, VERO BEACH, FL 32963-1211 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2024 |
| Name | Verified Name |
|---|---|
| Address | 238 TABER RIDGE RD, STOWE, VT 05672 |
| Document Number | 0035791682 |
|---|---|
| Date | Oct 26, 2022 |
| Book Page | 3579/1682 |
| Instrument | 3120220063729 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29406 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Nov 01, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 8% |
| Index | 1-Year CMT |
| Max Rate | 12% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Oct 24, 2022 |
| Property Address | 89 CACHE CAY DR, VERO BEACH, FL 32963-1211 |
| Document Number | 0035790232 |
| Book / Page | 3579 / 232 |
| Map Reference | MB 9 PG 62&62A |
| Instrument Date | Oct 13, 2022 |
| Instrument | 3120220063245 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1545, STOWE, VT 05672-1545 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | PO BOX 1545, STOWE, VT 05672-1545 |
| Document Number | 0035791682 |
|---|---|
| Date | Oct 24, 2022 |
| Instrument | 3579/1682 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Nov 01, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 8% |
| Index | 1-Year CMT |
| Max Rate | 12% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Oct 20, 2022 |
| Property Address | 89 CACHE CAY DR, VERO BEACH, FL 32963-1211 |
| Document Number | 0035781391 |
| Book / Page | 3578 / 1391 |
| Map Reference | MB 9 PG 62-62A |
| Instrument Date | Oct 13, 2022 |
| Instrument | 3120220062785 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1545, STOWE, VT 05672-1545 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1545, STOWE, VT 05672-1545 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Jun 15, 2020 |
| Property Address | 89 CACHE CAY DR, VERO BEACH, FL 32963-1211 |
| Document Number | 0033091617 |
| Book / Page | 003309 / 001617 |
| Instrument Date | Jun 12, 2020 |
| Instrument | 32919 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2020 |
| Title Company | SUPREME TITLE SOLUTIONS LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,360.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PO BOX 1545 STOWE VT 056721545, STOWE, VT 05672-1545 |
| Document Number | 33091674 |
|---|---|
| Date | Jun 15, 2020 |
| Book Page | 003309/001674 |
| Instrument | 32920 |
| Name | CENTERSTATE BK NA |
|---|---|
| Type | Bank |
| Address | VERO BEACH, FL 32963 |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Jul 22, 2019 |
| Property Address | 89 CACHE CAY DR, VERO BEACH, FL 32963-1211 |
| Document Number | 0032241813 |
| Book / Page | 003224 / 001813 |
| Instrument Date | Jul 19, 2019 |
| Instrument | 43048 |
| Transaction Type | Transfer |
| Record Updated | Aug 01, 2019 |
| Title Company | LIBERTY TITLE COMPANY/AMERICA INC, LIBERTY TITLE CO/AMERICA INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,640.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 31755 N 128TH DR PEORIA AZ 853835062, PEORIA, AZ 85383-5062 |
Source: Indian River County records · Assessment roll updated December 8, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Municipality | Vero Beach City |
| Unified School District | Indian River County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $27,741.00 (+152.05%) | $1,829,085 (+106.83%) Land $868,582 Building $960,503 | $1,829,085 (+106.83%) Land $868,582 Building $960,503 |
| 2023 | $11,006.00 (+27.41%) | $884,347 (+49.33%) Land $868,582 Building $15,765 | $884,347 (+49.33%) Land $868,582 Building $15,765 |
| 2022 | $8,638.00 | $592,215 Land $592,215 | $592,215 Land $592,215 |
Source: FEMA National Flood Hazard Layer, Indian River County (12061C), updated May 13, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Special Flood Hazard Area | No |
| Coastal | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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