920 Reef Rd, Vero Beach, FL 32963 Property Records

Indian River County property record for 920 Reef Rd, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 4,011 sqft · built 1978
Lot Size	0.76 acres (33,106 sqft)
Owner	2 Company Names on File
Last Sale	$1,000,000 (Apr 2002)
Tax Bill	$22,884 (2025)
Deeds & Mortgages	Mar 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`33-40-27-00001-0000-00002.0`

Property Details

APN / Parcel Number

Primary APN	`33-40-27-00001-0000-00002.0`
Alternative APN	`99306`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	4,011 sqft Living Area
Gross Area	4,968 sqft
1st Floor Area	3,291 sqft
2nd Floor Area	720 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1988
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Tile
Lot Area	33,106 sqft (0.76 acres)
Lot Dimensions	290 ft deep x 121 ft wide
View / Lot	Ocean
Garage Type	Attached
Garage Area	957 sqft
Driveway	Concrete Driveway
Driveway Area	2,592 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Porch
Porch Area	931 sqft
Deck Area	352 sqft
Patio Area	1,363 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	920 REEF RD
City	VERO BEACH
State	FL
Zip	32963-2911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	MOORINGS UNIT 1 LOT 2 PBI 8-6 & 6A
Legal Range	40E
Legal Township	33S
Legal Section	27
Legal Subdivision	THE MOORINGS UNIT 1
Legal Lot Number	2
Legal Unit	1
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1001
Census Tract	50509

Owner

Source: Indian River County assessment roll, 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 Company Names on File
Mailing Address	920 REEF RD, VERO BEACH, FL 32963-2911
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 17, 2002 · Amount on Record
Deed Sale	Apr 17, 2002 · Amount on Record
Prior Sale	Jan 12, 2001 · Amount on Record
Deed Book / Page	1482 / 1107
Last Transfer Date	Apr 16, 2025
Transfer Doc	0037710179
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	920 REEF RD, VERO BEACH, FL 32963-2911
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032840436
Date	Mar 10, 2020
Book Page	3284/436
Instrument	3120200014808

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Apr 1, 2030
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8%
Index	1-Year LIBOR
Max Rate	8%

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	$22,884.00 (+8.04%)	$1,642,141 (+5.99%)	$3,397,088 (+5.38%) Land $2,266,742 Building $1,130,346
2023	$21,181.00 (+2.3%)	$1,549,379 (+3%)	$3,223,658 (+12.87%) Land $2,266,742 Building $956,916
2022	$20,704.00	$1,504,251	$2,856,043 Land $2,085,403 Building $770,640

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 40 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