Indian River County property record for 925 Reef Ln, Vero Beach, FL 32963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,058 sqft · built 1969 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $530,000 (Jun 2017) |
| Tax Bill | $9,192 (2025) |
| Deeds & Mortgages | Jan 2024 Transfer Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-40-19-00003-0000-00011.0 |
| Primary APN | 32-40-19-00003-0000-00011.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,058 sqft Living Area |
| Gross Area | 2,610 sqft |
| 1st Floor Area | 2,058 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 13,504 sqft (0.31 acres) |
| Lot Dimensions | 135 ft deep x 100 ft wide |
| View / Lot | Interior |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Driveway | Brick Driveway |
| Driveway Area | 2,432 sqft |
| Pool Area | 392 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 502 sqft |
| Patio Area | 146 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 925 REEF LN |
|---|---|
| City | VERO BEACH |
| State | FL |
| Zip | 32963-1121 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A |
| Legal Description | PEBBLE BEACH DEVELOPMENT NO 1 LOT 11 PBI 7-83 |
| Legal Range | 40E |
| Legal Township | 32S |
| Legal Section | 19 |
| Legal Subdivision | PEBBLE BEACH DEVELOPMENT NO 1 |
| Legal Lot Number | 11 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 50505 |
925 Reef Ln is owner-occupied and held in a trust since January 2024.
Source: Indian River County records, as of December 8, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 925 REEF LN, INDIAN RIVER SHORES, FL 32963-1121 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 23, 2024 | Intrafamily Transfer, Transfer HARBOR TITLE AND ESCROW, HARBOR TITLE & ESCROW INC |
| Jan 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Jun 21, 2017 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 21, 2017 · Amount on File |
| Deed Sale | Jun 21, 2017 · Amount on File |
| Prior Sale | Aug 16, 2010 · Amount on File |
| Deed Document Number | 201735782 |
| Deed Book / Page | 3034 / 931 |
| Last Transfer Date | Jan 23, 2024 |
| Transfer Doc | 0036740215 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Jan 23, 2024 |
| Property Address | 925 REEF LN, INDIAN RIVER SHORES, FL 32963-1121 |
| Document Number | 0036740215 |
| Book / Page | 3674 / 215 |
| Map Reference | MB 7 PG 83 |
| Instrument Date | Jan 23, 2024 |
| Instrument | 3120240003194 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2024 |
| Title Company | HARBOR TITLE AND ESCROW, HARBOR TITLE & ESCROW INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 925 REEF LN, VERO BEACH, FL 32963-1121 |
| Name | Verified Name |
|---|---|
| Address | 925 REEF LN, VERO BEACH, FL 32963-1121 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 925 REEF LN, INDIAN RIVER SHORES, FL 32963-1121 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2021 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 925 REEF LN, VERO BEACH, FL 32963-1121 |
| Document Number | 0033802338 |
|---|---|
| Date | Jan 25, 2021 |
| Book Page | 3380/2338 |
| Instrument | 3120210005092 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Jun 21, 2017 |
| Property Address | 925 REEF LN, INDIAN RIVER SHORES, FL 32963-1121 |
| Document Number | 0030340931 |
| Book / Page | 003034 / 000931 |
| Instrument Date | Jun 14, 2017 |
| Instrument | 35782 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2018 |
| Title Company | ELITE TITLE COMPANY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,710.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 925 REEF LN VERO BEACH FL 329631121, VERO BEACH, FL 32963-1121 |
| Document Number | 30340932 |
|---|---|
| Date | Jun 21, 2017 |
| Book Page | 003034/000932 |
| Instrument | 35783 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 20, 2047 |
The 2025 property tax bill for 925 Reef Ln was $9,192 with exemptions applied.
Source: Indian River County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Municipality | Indian River Shores Town |
| Unified School District | Indian River County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,192.00 Homeowner's exemption Widower's exemption | $789,497 | $824,036 Land $403,750 Building $420,286 |
| 2023 | $8,492.00 (+31.01%) | $752,195 (+33.43%) Land $363,375 Building $388,820 | $752,195 (+33.43%) Land $363,375 Building $388,820 |
| 2022 | $6,482.00 | $563,726 Land $282,625 Building $281,101 | $563,726 Land $282,625 Building $281,101 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 925 Reef Ln in Zone X, an area of minimal flood risk, though there have been 160 flood claims nearby since 1979.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 925 Reef Ln is low, with less than 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 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 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.
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 140 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 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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