Indian River County property record for 945 Reef Ln, Vero Beach, FL 32963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,961 sqft · built 1969 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $173,000 (Jan 1998) |
| Tax Bill | $3,767 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-40-19-00003-0000-00009.0 |
| Primary APN | 32-40-19-00003-0000-00009.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,961 sqft Living Area |
| 1st Floor Area | 1,961 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1969 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Retaining Wall |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 13,504 sqft (0.31 acres) |
| Lot Dimensions | 135 ft deep x 100 ft wide |
| Garage Area | 576 sqft |
| Porch | Open Porch |
| Porch Area | 441 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 56130 |
|---|---|
| Street Address | 945 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 9 PBI 7-83 |
| Legal Range | 40 |
| Legal Township | 32 |
| Legal Section | 19 |
| Legal Subdivision | PEBBLE BEACH DEVELOPMENT NO 1 |
| Legal Lot Number | 9 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 50505 |
945 Reef Ln is owned and occupied by two individuals who bought it in January 1998.
Source: Indian River County records, as of March 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 945 REEF LN, INDIAN RIVER SHORES, FL 32963-1121 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 1, 1998 · Amount on File |
| Deed Sale | Jan 1, 1998 · Amount on File |
| Deed Document Number | 0011882902 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 945 Reef Ln was $3,767.
Source: Indian River County assessment roll, as of July 1, 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 | $3,767.00 | $325,753 | $759,622 Land $456,521 Building $303,101 |
| 2023 | $3,323.00 (+2.5%) | $307,352 (+3%) | $688,017 (+32.77%) Land $410,868 Building $277,149 |
| 2022 | $3,242.00 | $298,400 | $518,216 Land $319,564 Building $198,652 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 945 Reef Ln in Zone X, an area of minimal flood risk, within 500 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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| 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 945 Reef Ln is low, with a 0.03% 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 | 0.03% 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 | 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 86 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 DSL · Fiber in parts of the area | 100 / 20 |
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