Indian River County property record for 8976 103rd Ave, Vero Beach, FL 32967
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,874 sqft · built 2021 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $359,000 (Dec 2025) |
| Tax Bill | $3,662 (2025) |
| Deeds & Mortgages | Dec 2025 Sale Nov 2023 Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 31-38-28-00003-0230-00014.0 |
| Primary APN | 31-38-28-00003-0230-00014.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Building Area | 1,874 sqft Living Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.219 acres) |
| Lot Dimensions | 130 ft deep x 75 ft wide |
| Garage Area | 418 sqft |
| Driveway | Driveway |
| Driveway Area | 454 sqft |
| Porch | Open Porch |
| Patio Area | 200 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 26927 |
|---|---|
| Street Address | 8976 103RD AVE |
| City | VERO BEACH |
| State | FL |
| Zip | 32967-3073 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-3 |
| Legal Description | VERO LAKE ESTATES UNIT H-2 BLK W LOT 14 PBI 6-4 |
| Legal Range | 38 |
| Legal Township | 31 |
| Legal Section | 28 |
| Legal Subdivision | VERO LAKE ESTATES UNIT H-2 |
| Legal Block | W |
| Legal Lot Number | 14 |
| Legal Unit | H-2 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | FELLSMERE |
| Census Block Group | 3 |
| Census Block | 3088 |
| Census Tract | 50903 |
Source: Indian River County records, as of March 5, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 8976 103RD CT, VERO BEACH, FL 32967-3085 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 16, 2025 | Warranty Deed, Subdivision Related Transfer ALLIANCE TITLE/THE TREASURE COMPANY, ALLIANCE TTL OF TREASURER CO |
| Nov 9, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| May 14, 2021 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MORTGAGE LLC |
| Nov 8, 2019 | Grant Deed, Transfer STEEL CITY TITLE INC, STEEL CTY TITLE INC |
| Oct 1, 2019 | Warranty Deed, Transfer SUPREME TITLE CLOSINGS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 16, 2025 · Amount on Record |
| Deed Sale | Dec 16, 2025 · Amount on Record |
| Prior Sale | May 14, 2021 · Amount on Record |
| Deed Document Number | 3120250061546 |
| Deed Book / Page | 3825 / 1537 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Dec 16, 2025 |
| Property Address | 8976 103RD AVE, VERO BEACH, FL 32967-3073 |
| Document Number | 0038251537 |
| Book / Page | 3825 / 1537 |
| Map Reference | MB 6 PG 4 |
| Instrument Date | Dec 3, 2025 |
| Instrument | 3120250061546 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 29, 2025 |
| Title Company | ALLIANCE TITLE/THE TREASURE COMPANY, ALLIANCE TTL OF TREASURER CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,513.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14950 95TH ST, FELLSMERE, FL 32948-7613 |
| Name | Verified Name |
|---|---|
| Address | 8976 103RD CT, VERO BEACH, FL 32967-3085 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 8976 103RD AVE, VERO BEACH, FL 32967-3073 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2023 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 8976 103RD AVE, VERO BEACH, FL 32967-3073 |
| Document Number | 0036610293 |
|---|---|
| Date | Nov 9, 2023 |
| Book Page | 3661/293 |
| Instrument | 3120230056408 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 327 Months |
| Due | Feb 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | May 14, 2021 |
| Property Address | 8976 103RD AVE, VERO BEACH, FL 32967-3073 |
| Document Number | 0034212064 |
| Book / Page | 3421 / 2064 |
| Map Reference | MB 6 PG 4 |
| Instrument Date | Jan 29, 2021 |
| Instrument | 3120210034845 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 17, 2023 |
| Title Company | STEEL CITY TITLE INC, STEEL CITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,619.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1686 W HIBISCUS BLVD, MELBOURNE, FL 32901-2631 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 8976 103RD AVE, VERO BEACH, FL 32967-3073 |
| Document Number | 0034212065 |
|---|---|
| Date | May 14, 2021 |
| Instrument | 3421/2065 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Feb 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Nov 8, 2019 |
| Property Address | 8976 103RD AVE, VERO BEACH, FL 32967-3073 |
| Document Number | 0032522394 |
| Book / Page | 003252 / 002394 |
| Instrument Date | Oct 16, 2019 |
| Instrument | 65674 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2019 |
| Title Company | STEEL CITY TITLE INC, STEEL CTY TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $209.30 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1686 W HIBISCUS BLVD MELBOURNE FL 329012631, MELBOURNE, FL 32901-2631 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Oct 1, 2019 |
| Property Address | 8976 103RD AVE, VERO BEACH, FL 32967-3073 |
| Document Number | 0032421080 |
| Book / Page | 003242 / 001080 |
| Instrument Date | Sep 25, 2019 |
| Instrument | 57338 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2019 |
| Title Company | SUPREME TITLE CLOSINGS LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $63.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 755 CRANDON BLVD #8 KEY BISCAYNE FL 331492597, 8, KEY BISCAYNE, FL 33149-2597 |
Source: Indian River County assessment roll, as of July 1, 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 | $3,662.00 (+14.37%) | $268,638 (+5.99%) | $283,286 (+2.06%) Land $30,281 Building $253,005 |
| 2023 | $3,202.00 (+2.89%) | $253,464 (+3%) | $277,580 (+12.8%) Land $24,863 Building $252,717 |
| 2022 | $3,112.00 | $246,082 Land $20,400 Building $225,682 | $246,082 Land $20,400 Building $225,682 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 23.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 180 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 180 in force |
| Nearby Flood Claims | 4 (1999–2023) |
| Most Recent Claim | Nov 2023 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | None beyond ember reach |
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 238 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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