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945 Crescent Beach Rd, Vero Beach, FL 32963 Property Records

Indian River County property record for 945 Crescent Beach Rd, Vero Beach, FL 32963

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,488 sqft · built 1987
Lot Size0.4 acres (17,424 sqft)
Owner2 Individual Names on Record
Last Sale$1,155,000 (Oct 2021)
Tax Bill$14,868 (2025)
Deeds & MortgagesDec 2023 Line of Credit
Oct 2021 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN33-40-08-00003-0000-00052.0

Property Details

APN / Parcel Number

Primary APN33-40-08-00003-0000-00052.0
Alternative APN
  • 95033

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures9 Plumbing Fixtures
Total Rooms6 Rooms
Stories2 Stories
Building Area2,488 sqft Living Area
Gross Area3,464 sqft
1st Floor Area1,828 sqft
2nd Floor Area660 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Architectural StyleCustom Design
Exterior MaterialWood
Construction TypeWood
Roof TypeHip
Roof MaterialAsphalt
Lot Area17,424 sqft (0.4 acres)
Lot Dimensions90.7 ft deep x 191 ft wide
View / LotAbove Average
Garage TypeAttached
Garage Area616 sqft
DrivewayConcrete Driveway
Driveway Area2,334 sqft

Exterior Amenities

Pool Area1 sqft
PorchScreened Porch
Porch Area540 sqft
Patio Area96 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address945 CRESCENT BEACH RD
CityVERO BEACH
StateFL
Zip32963-2526
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS-3
Legal DescriptionCASTAWAY COVE LOT 52 PBI 9-85 & 85A
Legal Range40E
Legal Township33S
Legal Section08
Legal SubdivisionCASTAWAY COVE
Legal Lot Number52
JurisdictionINDIAN RIVER FL
Township / Civil DivisionVERO BEACH
Census Block Group2
Census Block2029
Census Tract50508

Owner

Source: Indian River County records, 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 Record2 Individual Names on Record
Mailing Address945 CRESCENT BEACH RD, VERO BEACH, FL 32963-2526
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 27, 2023Deed of Trust, Mortgage · Line of Credit
ITHINK FINANCIAL CU
Oct 22, 2021Warranty Deed, Transfer · Conventional Mortgage
EVERETT FINANCIAL INC
Jul 30, 2018Deed of Trust, Mortgage
ANGEL OAK HM LOANS
Jun 16, 2017Warranty Deed, Transfer
ANGEL OAK HM LOANS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 22, 2021 · Amount on Record
Deed SaleOct 22, 2021 · Amount on Record
Prior SaleJun 16, 2017 · Amount on Record
Deed Document Number202173951
Deed Book / Page3476 / 821
Prior Transfer DateJan 19, 2005
Prior Transfer Doc0018270166
Record UpdatedJun 8, 2026

December 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionINDIAN RIVER FL
Property Address945 CRESCENT BEACH RD, VERO BEACH, FL 32963-2526
Transaction TypeMortgage
Record UpdatedJan 5, 2024
Title CompanyMELLEX TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address945 CRESCENT BEACH RD, VERO BEACH, FL 32963-2526

Mortgage

Document Number0036692173
DateDec 27, 2023
Book Page3669/2173
Instrument20230063568
Lender
NameITHINK FINANCIAL CU
TypeCredit Union
Address2100 NW COURTYARD CIR, PORT ST LUCIE, FL 34986
Agreement
TypeLine of Credit
AmountAmount Recorded
Term241 Months
DueJan 15, 2044
Interest
Change FrequencyMonthly

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionINDIAN RIVER FL
Recording DateOct 22, 2021
Property Address945 CRESCENT BEACH RD, VERO BEACH, FL 32963-2526
Document Number0034760821
Book / Page3476 / 821
Map ReferenceMB 9 PG 85&85A
Instrument DateOct 21, 2021
Instrument3120210073951
Transaction TypeTransfer
Record UpdatedNov 24, 2021
Title CompanyTREASURE COAST TITLE AND ESCROW, TREASURE COAST TTL & STLMT O

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$8,085.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8989 STONE PIER DR, 8989, BOYNTON BEACH, FL 33472-4326

Transferred To (Grantee/Buyer)

NameVerified Name
Address1132 SEA HUNT DR, VERO BEACH, FL 32963-2439

Mortgage

Document Number3476824
DateOct 22, 2021
Instrument3476/824
Lender
NameEVERETT FINANCIAL INC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2051
Interest
Rate TypeAdjustable Rate
Rate2.75%
Type Change DateNov 1, 2031
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change4.75%
Index1-Year CMT
Max Rate8.75%

July 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionINDIAN RIVER FL
Property Address945 CRESCENT BEACH RD, VERO BEACH, FL 32963-2526
Document Number0031380130
Instrument DateJul 30, 2018
Transaction TypeMortgage
Record UpdatedAug 16, 2018
Title CompanyTREASURE COAST TITLE SETTLEMEN

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address11 LIBERTY LN MILLSTONE TOWNSHIP NJ 085358177, MILLSTONE TOWNSHIP, NJ 08535-8177

Mortgage

Document Number0031380130
DateAug 2, 2018
Book Page003138/000130
Instrument47760
Lender
NameANGEL OAK HM LOANS
AddressATLANTA, GA 30305
Agreement
AmountAmount Recorded
Term360 Months
DueAug 1, 2048
Interest
Rate TypeAdjustable Rate
Rate6.37%

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionINDIAN RIVER FL
Recording DateJun 16, 2017
Property Address945 CRESCENT BEACH RD, VERO BEACH, FL 32963-2526
Document Number0030330440
Book / Page003033 / 000440
Instrument DateJun 8, 2017
Instrument34777
Transaction TypeTransfer
Record UpdatedJul 14, 2020
Title CompanyTREASURE COAST TITLE AGENCY/VERO, TREASURE COAST TITLE AGCY/VERO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,200.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address945 CRESCENT BEACH RD VERO BEACH FL 329632526, VERO BEACH, FL 32963-2526

Mortgage

Document Number30330443
DateJun 16, 2017
Book Page003033/000443
Instrument34778
Lender
NameANGEL OAK HM LOANS
AddressATLANTA, GA 30305
Agreement
AmountAmount Recorded
Term360 Months
DueJun 15, 2047
Interest
Rate TypeAdjustable Rate
Rate7.87%

Tax Assessment & Valuation

Source: Indian River County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyIndian River County
Unified School DistrictIndian River County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$14,868.00 (+8.64%) Homeowner's exemption$1,072,244 (+5.99%)$1,632,825 (+4.04%) Land $773,938 Building $858,887
2023$13,686.00 (+2.35%)$1,011,676 (+3%)$1,569,416 (+45.4%) Land $773,938 Building $795,478
2022$13,372.00$982,210$1,079,398 Land $510,202 Building $569,196

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone VE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 190 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies431 units insured
incl. 241 condo units
Nearby Flood Claims2 (2004–2023)
Claims Outside the SFHA2 of 2
Most Recent ClaimAug 2023 · other causes

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 RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemCITY OF VERO BEACH
serves 37,308 people · EPA ID FL3310206
Water SourceGroundwater
Last State InspectionMar 2025
Lead5 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Jul 2020
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting29
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 16 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20

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