920 River Trl, Vero Beach, FL 32963 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,882 sqft · built 1992
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Company Names on File
Last Sale	$1,127,000 (Jul 2026)
Tax Bill	$10,385 (2025)
Deeds & Mortgages	Jul 2026 Sale Aug 2023 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`31-39-35-00004-0000-00108.0`

Property Details

APN / Parcel Number

Primary APN	`31-39-35-00004-0000-00108.0`
Alternative APN	`40320`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,882 sqft Living Area
Gross Area	3,901 sqft
1st Floor Area	2,144 sqft
2nd Floor Area	738 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Custom Design
Exterior Material	Wood
Construction Type	Wood
Roof Type	Hip
Roof Material	Metal
Lot Area	18,731 sqft (0.43 acres)
Lot Dimensions	164 ft deep x 125 ft wide
View / Lot	Canal/Waterfront
Garage Type	Attached
Garage Area	780 sqft
Driveway	Brick Driveway
Driveway Area	2,550 sqft

Exterior Amenities

Pool Area	1 sqft
Porch	Screened Porch
Porch Area	342 sqft
Deck Area	339 sqft
Patio Area	1,537 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	920 RIVER TRL
City	VERO BEACH
State	FL
Zip	32963-3936
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	INDIAN TRAILS UNIT TWO SUB LOT 108 PBI 13-12
Legal Range	39E
Legal Township	31S
Legal Section	35
Legal Subdivision	INDIAN TRAILS SUB UNIT 2
Legal Lot Number	108
Legal Unit	TW
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	2
Census Block	2006
Census Tract	50506

Owner

920 River Trl is owned by a company that bought it in July 2026 and is owner-occupied.

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

Owner of Record	2 Company Names on File
Mailing Address	920 RIVER TRL, VERO BEACH, FL 32963-3936
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

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
Jul 31, 2026	Warranty Deed, Transfer SUPREME TITLE SOLUTIONS LLC, SUPREME TITLE SOLUTIONS
Aug 15, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Mar 10, 2021	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Mar 10, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026 · Amount on File
Deed Sale	Jul 31, 2026 · Amount on File
Prior Sale	Mar 10, 2021 · Amount on File
Deed Document Number	202636678
Deed Book / Page	3879 / 50
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jul 31, 2026
Property Address	920 RIVER TRL, VERO BEACH, FL 32963-3936
Document Number	0000036678
Book / Page	3879 / 50
Instrument Date	Jul 31, 2026
Instrument	202636678
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	SUPREME TITLE SOLUTIONS LLC, SUPREME TITLE SOLUTIONS

Transaction

Amount	Amount on Record
Tax	$796,789.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	920 RIVER TRL, VERO BEACH, FL 32963-3936

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	920 RIVER TRL, INDIAN RIVER SHORES, FL 32963-3936
Transaction Type	Mortgage
Record Updated	Sep 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 RIVER TRL, VERO BEACH, FL 32963-3936

Mortgage

Document Number	0036430902
Date	Aug 15, 2023
Book Page	3643/902
Instrument	3120230041337

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 25, 2053

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	920 RIVER TRL, INDIAN RIVER SHORES, FL 32963-3936
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033970532
Date	Mar 10, 2021
Book Page	3397/532
Instrument	3120210016633

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Feb 23, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Mar 10, 2021
Property Address	920 RIVER TRL, INDIAN RIVER SHORES, FL 32963-3936
Document Number	0033970511
Book / Page	3397 / 511
Map Reference	MB 13 PG 12
Instrument Date	Feb 19, 2021
Instrument	3120210016631
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	SUPREME TITLE SOLUTIONS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,384.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8255 MEREDITH PL, 8255, VERO BEACH, FL 32968-8513

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 RIVER TRL, VERO BEACH, FL 32963-3936

Mortgage

Document Number	3397513
Date	Mar 10, 2021
Instrument	3397/513

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	920 RIVER TRL, INDIAN RIVER SHORES, FL 32963-3936
Document Number	0030431310
Book / Page	003043 / 001310
Instrument Date	Jul 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 10, 2017
Title Company	FIRST SERVICE TITLE, FIRST SERVICE TITLE/FL LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	920 RIVER TRL #TRJ VERO BEACH FL 329633936, VERO BEACH, FL 32963-3936

Mortgage

Document Number	0030431310
Date	Jul 25, 2017
Book Page	003043/001310
Instrument	43176

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 24, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.79%

Tax Assessment & Valuation

The 2025 property tax bill for 920 River Trl was $10,385 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
Municipality	Indian River Shores Town
Unified School District	Indian River County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,385.00 Homeowner's exemption	$874,469	$1,079,583 Land $407,818 Building $671,765
2023	$9,475.00 (+2.49%)	$823,772 (+3%)	$973,559 (+18.13%) Land $339,848 Building $633,711
2022	$9,245.00	$799,779	$824,132 Land $339,848 Building $484,284

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

Flood

FEMA maps place 920 River Trl in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 580 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	949 units insured incl. 369 condo units

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

Wildfire risk around 920 River Trl is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 317 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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