Indian River County property record for 902 Tides Rd, Vero Beach, FL 32963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,810 sqft · built 1988 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $490,000 (May 2020) |
| Tax Bill | $5,237 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit Nov 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-40-29-00001-0020-00013.0 |
| Primary APN | 32-40-29-00001-0020-00013.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,810 sqft Living Area |
| Gross Area | 2,660 sqft |
| 1st Floor Area | 1,310 sqft |
| 2nd Floor Area | 500 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Custom Design |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 137 ft deep x 80 ft wide |
| View / Lot | Interior |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 720 sqft |
| Porch | Screened Porch |
| Porch Area | 534 sqft |
| Deck Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 902 TIDES RD |
|---|---|
| City | VERO BEACH |
| State | FL |
| Zip | 32963-1261 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | SILVER SHORES UNIT NO 1 BLK 2 LOT 13 PBI 4-45 |
| Legal Range | 40E |
| Legal Township | 32S |
| Legal Section | 29 |
| Legal Subdivision | SILVER SHORES UNIT NO 1 |
| Legal Block | 2 |
| Legal Lot Number | 13 |
| Legal Unit | NO |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 50505 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 902 TIDES RD, VERO BEACH, FL 32963-1261 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 13, 2022 | Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK |
| Nov 15, 2018 | Deed of Trust, Mortgage · Commercial Mortgage SEACOAST NATIONAL BANK |
| Aug 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP |
| May 20, 2020 | Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 20, 2020 · Amount on Record |
| Deed Sale | May 20, 2020 · Amount on Record |
| Prior Sale | Dec 4, 2015 · Amount on Record |
| Deed Document Number | 202027655 |
| Deed Book / Page | 3301 / 1887 |
| Prior Transfer Date | Dec 1, 2015 |
| Prior Transfer Doc | 0029020816 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 902 TIDES RD, VERO BEACH, FL 32963-1261 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 902 TIDES RD, VERO BEACH, FL 32963-1261 |
| Document Number | 0035401108 |
|---|---|
| Date | May 13, 2022 |
| Book Page | 3540/1108 |
| Instrument | 3120220031263 |
| Name | SEACOAST NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | STUART, FL 34995 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 4, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 902 TIDES RD, VERO BEACH, FL 32963-1261 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0031630895 |
|---|---|
| Date | Nov 15, 2018 |
| Book Page | 3163/0895 |
| Instrument | 3120180069237 |
| Name | SEACOAST NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | STUART, FL 34995 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 2, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 902 TIDES RD, VERO BEACH, FL 32963-1261 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 902 TIDES RD, VERO BEACH, FL 32963-1261 |
| Document Number | 0034542247 |
|---|---|
| Date | Aug 17, 2021 |
| Book Page | 3454/2247 |
| Instrument | 3120210058597 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | DRAPER, UT 84020 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | May 20, 2020 |
| Property Address | 902 TIDES RD, VERO BEACH, FL 32963-1261 |
| Document Number | 0033011887 |
| Book / Page | 3301 / 1887 |
| Map Reference | MB 4 PG 45 |
| Instrument Date | Apr 29, 2020 |
| Instrument | 3120200027655 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,430.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2245 18TH ST, 2245, VERO BEACH, FL 32960-3170 |
| Name | Verified Name |
|---|---|
| Address | 902 TIDES RD, VERO BEACH, FL 32963-1261 |
| Document Number | 33011890 |
|---|---|
| Date | May 20, 2020 |
| Instrument | 3301/1890 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2050 |
Source: Indian River County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Municipality | Vero Beach City |
| Unified School District | Indian River County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,237.00 (+10.77%) Homeowner's exemption | $354,676 (+5.99%) | $841,388 (+4.94%) Land $309,060 Building $532,328 |
| 2023 | $4,728.00 (+3.14%) | $334,642 (+3%) | $801,773 (+33.79%) Land $309,060 Building $492,713 |
| 2022 | $4,584.00 | $324,896 | $599,299 Land $240,380 Building $358,919 |
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 X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 479 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1,484 units insured incl. 1,005 condo units |
| Nearby Flood Claims | 160 (1979–2024) |
| Claims Outside the SFHA | 112 of 160 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 189 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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