Indian River County property record for 945 4th Ln, Vero Beach, FL 32962
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,200 sqft · built 1988 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $416,000 (Dec 2022) |
| Tax Bill | $4,409 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Aug 2017 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-39-13-00017-0002-00013.0 |
| Primary APN | 33-39-13-00017-0002-00013.0 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,200 sqft Living Area |
| 1st Floor Area | 2,200 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Wood Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 143 ft deep x 77 ft wide |
| Garage Area | 506 sqft |
| Driveway | Driveway |
| Driveway Area | 704 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 496 sqft |
| Patio Area | 130 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 77194 |
|---|---|
| Street Address | 945 4TH LN |
| City | VERO BEACH |
| State | FL |
| Zip | 32962-1586 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-6 |
| Legal Description | PINECREST UNIT NO 3 BLK B LOT 13 PBI 11-74 |
| Legal Range | 39 |
| Legal Township | 33 |
| Legal Section | 13 |
| Legal Subdivision | PINECREST SUB UNIT 3 |
| Legal Block | B |
| Legal Lot Number | 13 |
| Legal Unit | 3 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 50602 |
Source: Indian River County records, as of March 5, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 945 4TH LN, VERO BEACH, FL 32962-1586 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 2, 2022 | Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Aug 23, 2017 | Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA |
| Nov 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Dec 12, 2019 | Warranty Deed, Transfer PATCH REEF TITLE COMPANY INC, PATCH REEF TITLE CO INC |
| Nov 18, 2019 | Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Sep 19, 2019 | Warranty Deed, Transfer SOUTH FLORIDA TITLE, SOUTH FLORIDA TITLE SVCS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 2022 · Amount on Record |
| Deed Sale | Dec 2, 2022 · Amount on Record |
| Prior Sale | Nov 18, 2019 · Amount on Record |
| Deed Document Number | 3120220069696 |
| Deed Book / Page | 3587 / 87 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Dec 2, 2022 |
| Property Address | 945 4TH LN, VERO BEACH, FL 32962-1586 |
| Document Number | 0035870087 |
| Book / Page | 3587 / 87 |
| Map Reference | MB 11 PG 74 |
| Instrument Date | Nov 28, 2022 |
| Instrument | 3120220069696 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2022 |
| Title Company | MAJESTY TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,912.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1041 SPRUCE CREEK DR, JAMESTOWN, TN 38556-2934 |
| Name | Verified Name |
|---|---|
| Address | 945 4TH LN, VERO BEACH, FL 32962-1586 |
| Document Number | 0000358789 |
|---|---|
| Date | Dec 2, 2022 |
| Instrument | 3587/89 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 945 4TH LN, VERO BEACH, FL 32962-1586 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030502073 |
|---|---|
| Date | Aug 23, 2017 |
| Book Page | 3050/2073 |
| Instrument | 3120170049571 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 15, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 945 4TH LN, VERO BEACH, FL 32962-1586 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0033562390 |
|---|---|
| Date | Nov 16, 2020 |
| Book Page | 3356/2390 |
| Instrument | 3120200068822 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Dec 12, 2019 |
| Property Address | 945 4TH LN, VERO BEACH, FL 32962-1586 |
| Document Number | 0032611153 |
| Book / Page | 003261 / 001153 |
| Instrument Date | Dec 11, 2019 |
| Instrument | 72360 |
| Transaction Type | Transfer |
| Record Updated | Jan 2, 2020 |
| Title Company | PATCH REEF TITLE COMPANY INC, PATCH REEF TITLE CO INC |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 945 4TH LN VERO BEACH FL 329621586, VERO BEACH, FL 32962-1586 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Nov 18, 2019 |
| Property Address | 945 4TH LN, VERO BEACH, FL 32962-1586 |
| Document Number | 0032550710 |
| Book / Page | 003255 / 000710 |
| Instrument Date | Nov 14, 2019 |
| Instrument | 67550 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2019 |
| Title Company | SOUTH FLORIDA TITLE, SOUTH FLORIDA TITLE SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,470.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1605 16TH CT SW VERO BEACH FL 329626242, VERO BEACH, FL 32962-6242 |
| Document Number | 32550711 |
|---|---|
| Date | Nov 18, 2019 |
| Book Page | 003255/000711 |
| Instrument | 67551 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 17, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Sep 19, 2019 |
| Property Address | 945 4TH LN, VERO BEACH, FL 32962-1586 |
| Document Number | 0032390506 |
| Book / Page | 003239 / 000506 |
| Instrument Date | Sep 16, 2019 |
| Instrument | 54787 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2019 |
| Title Company | SOUTH FLORIDA TITLE, SOUTH FLORIDA TITLE SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,106.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5644 CORPORATE WAY WEST PALM BEACH FL 334072002, WEST PALM BEACH, FL 33407-2002 |
| Investor | Possibly a Property Investor |
Source: Indian River County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Unified School District | Indian River County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,409.00 (+13.37%) | $329,992 (+5.99%) | $342,669 (+3.48%) Land $28,707 Building $313,962 |
| 2023 | $3,889.00 (+43.98%) | $311,351 (+41.6%) | $331,131 (+14.63%) Land $28,707 Building $302,424 |
| 2022 | $2,701.00 | $219,878 | $288,876 Land $28,707 Building $260,169 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 14 (1995–2017) |
| Claims Outside the SFHA | 13 of 14 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| 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 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | 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 | INDIAN RIVER COUNTY UTILITIES (2 WTPS) serves 126,893 people · EPA ID FL3314052 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 14 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 343 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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