915 Reef Rd, Vero Beach, FL 32963 Property Records

Indian River County property record for 915 Reef Rd, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 4,150 sqft · built 1976
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$800,000 (Aug 2013)
Tax Bill	$10,036 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit May 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`33-40-27-00001-0000-00012.0`

Property Details

APN / Parcel Number

Primary APN	`33-40-27-00001-0000-00012.0`
Alternative APN	`99315`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	4,150 sqft Living Area
Gross Area	4,894 sqft
1st Floor Area	3,990 sqft
2nd Floor Area	160 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2003
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Tile
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	140 ft deep x 112 ft wide
View / Lot	Above Average
Garage Type	Attached
Garage Area	744 sqft
Driveway	Brick Driveway
Driveway Area	1,608 sqft

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	302 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	915 REEF RD
City	VERO BEACH
State	FL
Zip	32963-3024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	MOORINGS UNIT 1 LOT 12 PBI 8-6 & 6A
Legal Range	40E
Legal Township	33S
Legal Section	27
Legal Subdivision	THE MOORINGS UNIT 1
Legal Lot Number	12
Legal Unit	1
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1012
Census Tract	50509

Owner

915 Reef Rd is owned and occupied by two individuals who bought it in August 2013.

Source: Indian River County records, as of January 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	915 REEF RD, VERO BEACH, FL 32963-3024
Occupancy	Owner Occupied
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

Date	Document
Feb 12, 2021	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK
May 11, 2021	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK
Jan 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage BLUE HARBOR LENDING LLC
Dec 29, 2025	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2013 · Amount on File
Deed Sale	Aug 1, 2013 · Amount on File
Prior Sale	Sep 13, 2004 · Amount on File
Deed Document Number	20133120130049735
Deed Book / Page	2691 / 2496
Prior Transfer Date	Apr 11, 2006
Prior Transfer Doc	0020200513
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	915 REEF RD, VERO BEACH, FL 32963-3024
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 REEF RD, VERO BEACH, FL 32963-3024

Mortgage

Document Number	0033871996
Date	Feb 12, 2021
Book Page	3387/1996
Instrument	3120210010026

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount on Record

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	915 REEF RD, VERO BEACH, FL 32963-3024
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 REEF RD, VERO BEACH, FL 32963-3024

Mortgage

Document Number	0034201453
Date	May 11, 2021
Book Page	3420/1453
Instrument	3120210033811

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	May 3, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	915 REEF RD, VERO BEACH, FL 32963-3024
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 REEF RD, VERO BEACH, FL 32963-3024

Mortgage

Document Number	0034990825
Date	Jan 4, 2022
Book Page	3499/825
Instrument	3120220000522

Lender

Name	BLUE HARBOR LENDING LLC
Type	Non-Lending Institution
Address	MIAMI, FL 33156

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2037

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	915 REEF RD, VERO BEACH, FL 32963-3024
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 REEF RD, VERO BEACH, FL 32963-3024

Mortgage

Document Number	0038271306
Date	Dec 29, 2025
Book Page	3827/1306
Instrument	3120250062905

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 915 Reef Rd was $10,036 with a homeowner's exemption.

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	$10,036.00 Homeowner's exemption	$727,668	$1,520,442 Land $672,231 Building $848,211
2023	$9,169.00 (+2.4%)	$686,563 (+3%)	$1,278,076 (+25.13%) Land $560,193 Building $717,883
2022	$8,954.00	$666,566	$1,021,407 Land $448,154 Building $573,253

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

Flood

FEMA maps place 915 Reef Rd in Zone X, an area of minimal flood risk, within 100 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 100 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 915 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 186 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

May also be available: Verizon.

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