Indian River County property record for 965 Beachcomber Ln, Vero Beach, FL 32963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,152 sqft · built 1963 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Trust Name on Record |
| Tax Bill | $3,807 (2025) |
| Deeds & Mortgages | Nov 2018 Mortgage Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-40-18-00004-0000-00012.0 |
| Primary APN | 32-40-18-00004-0000-00012.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 3,152 sqft Living Area |
| Gross Area | 3,376 sqft |
| 1st Floor Area | 2,328 sqft |
| 2nd Floor Area | 824 sqft |
| Utility Room | Utility Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 115 ft deep x 90 ft wide |
| View / Lot | Interior |
| Garage Type | Carport |
| Garage Area | 990 sqft |
| Carport | Carport |
| Carport Area | 990 sqft |
| Porch | Screened Porch |
| Porch Area | 616 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 965 BEACHCOMBER LN |
|---|---|
| City | VERO BEACH |
| State | FL |
| Zip | 32963-3401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A |
| Legal Description | SUNNY SANDS SUB LOT 12 PBI 3-99 |
| Legal Range | 40E |
| Legal Township | 32S |
| Legal Section | 18 |
| Legal Subdivision | SUNNY SANDS SUB |
| Legal Lot Number | 12 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 50505 |
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 Record | Trust Name on Record |
|---|---|
| Mailing Address | 965 BEACHCOMBER LN, VERO BEACH, FL 32963-3401 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Nov 13, 2018 | Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK |
| Oct 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SOUTH STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 19, 2012 |
| Transfer Doc | 0025510394 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 965 BEACHCOMBER LN, INDIAN RIVER SHORES, FL 32963-3401 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0031621887 |
|---|---|
| Date | Nov 13, 2018 |
| Book Page | 3162/1887 |
| Instrument | 3120180068640 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 965 BEACHCOMBER LN, INDIAN RIVER SHORES, FL 32963-3401 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Title Company | OCEANSIDE TITLE & ESCROW INC |
| Name | Verified Name |
|---|---|
| Address | 965 BEACHCOMBER LN, VERO BEACH, FL 32963-3401 |
| Document Number | 0033471892 |
|---|---|
| Date | Oct 14, 2020 |
| Book Page | 3347/1892 |
| Instrument | 3120200061791 |
| Name | SOUTH STATE BANK |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33880 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2035 |
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 | $3,807.00 (+13.3%) Homeowner's exemption | $329,124 (+5.99%) | $663,936 (+12.01%) Land $299,498 Building $364,438 |
| 2023 | $3,360.00 (+2.47%) | $310,533 (+3%) | $592,743 (+18.84%) Land $259,565 Building $333,178 |
| 2022 | $3,279.00 | $301,488 | $498,783 Land $259,565 Building $239,218 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 175 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 · Fiber, DSL in parts of the area | 100 / 20 |
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