Indian River County property record for 965 Reef Ln, Vero Beach, FL 32963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,908 sqft · built 1972 |
| Lot Size | 0.92 acres (40,075 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,575,000 (Jun 2020) |
| Tax Bill | $26,889 (2025) |
| Deeds & Mortgages | May 2022 Transfer Mar 2022 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-40-19-00003-0000-00007.0 |
| Primary APN | 32-40-19-00003-0000-00007.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,908 sqft Living Area |
| Gross Area | 3,636 sqft |
| 1st Floor Area | 2,006 sqft |
| 2nd Floor Area | 902 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Custom Design |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 40,075 sqft (0.92 acres) |
| Lot Dimensions | 289 ft deep x 102 ft wide |
| View / Lot | Ocean |
| Garage Type | Attached |
| Garage Area | 728 sqft |
| Porch | Open Porch |
| Porch Area | 1,260 sqft |
| Deck Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 965 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 7 PBI 7-83 |
| Legal Range | 40E |
| Legal Township | 32S |
| Legal Section | 19 |
| Legal Subdivision | PEBBLE BEACH DEVELOPMENT NO 1 |
| Legal Lot Number | 7 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 50505 |
965 Reef Ln is owned by two individuals who acquired it in May 2022.
Source: Indian River County records, as of March 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4411 INTRACOASTAL DR, HIGHLAND BEACH, FL 33487-4213 |
| Owner Type | Individual |
| Vesting | Life Estate |
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 |
|---|---|
| May 27, 2022 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Mar 23, 2022 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jun 8, 2020 | Deed of Trust, Construction Loan · Construction Mortgage MARINE BK |
| Jun 8, 2020 | Warranty Deed, Transfer · Conventional Mortgage MARINE BANK & TRUST CO |
| Aug 30, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 8, 2020 · Amount on File |
| Deed Sale | Jun 8, 2020 · Amount on File |
| Prior Sale | Jan 15, 2015 · Amount on File |
| Deed Document Number | 202031193 |
| Deed Book / Page | 3306 / 1204 |
| Last Transfer Date | May 26, 2022 |
| Transfer Doc | 0035440547 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | May 27, 2022 |
| Property Address | 965 REEF LN, INDIAN RIVER SHORES, FL 32963-1121 |
| Document Number | 0035440547 |
| Book / Page | 3544 / 547 |
| Map Reference | MB 7 PG 83 |
| Instrument Date | May 26, 2022 |
| Instrument | 3120220034296 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4411 INTRACOASTAL DR, 4411, HIGHLAND BEACH, FL 33487-4213 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 4411 INTRACOASTAL DR, HIGHLAND BEACH, FL 33487-4213 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Mar 23, 2022 |
| Property Address | 965 REEF LN, INDIAN RIVER SHORES, FL 32963-1121 |
| Document Number | 0035232178 |
| Book / Page | 3523 / 2178 |
| Map Reference | MB 7 PG 83 |
| Instrument Date | Mar 10, 2022 |
| Instrument | 3120220018560 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4411 INTRACOASTAL DR, 4411, HIGHLAND BEACH, FL 33487-4213 |
| Name | Verified Name |
|---|---|
| Address | 4411 INTRACOASTAL DR, HIGHLAND BEACH, FL 33487-4213 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Jun 8, 2020 |
| Property Address | 965 REEF LN, INDIAN RIVER SHORES, FL 32963-1121 |
| Document Number | 0033061206 |
| Book / Page | 003306 / 001206 |
| Instrument Date | Jun 8, 2020 |
| Instrument | 31194 |
| Transaction Type | Construction Loan |
| Record Updated | Jun 16, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4411 INTRACOASTAL DR HIGHLAND BEACH FL 334874213, HIGHLAND BEACH, FL 33487-4213 |
| Document Number | 33061206 |
|---|---|
| Date | Jun 8, 2020 |
| Book Page | 003306/001206 |
| Instrument | 31194 |
| Name | MARINE BK |
|---|---|
| Type | Bank |
| Address | VERO BEACH, FL 32963 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 7, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Jun 8, 2020 |
| Property Address | 965 REEF LN, INDIAN RIVER SHORES, FL 32963-1121 |
| Document Number | 0033061204 |
| Book / Page | 3306 / 1204 |
| Map Reference | MB 7 PG 83 |
| Instrument Date | Jun 8, 2020 |
| Instrument | 3120200031193 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2021 |
| Title Company | HARBOR TITLE & ESCROW INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $11,025.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4800 HIGHWAY A1A410, 4800, VERO BEACH, FL 32963 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4411 INTRACOASTAL DR, HIGHLAND BEACH, FL 33487-4213 |
| Document Number | 33061206 |
|---|---|
| Date | Jun 8, 2020 |
| Instrument | 3306/1206 |
| Name | MARINE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 1, 2030 |
| Change Frequency | Monthly |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 6.37% |
| Index | 1-Year LIBOR |
| Max Rate | 6.37% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Aug 30, 2019 |
| Property Address | 965 REEF LN, INDIAN RIVER SHORES, FL 32963-1121 |
| Document Number | 0032350013 |
| Book / Page | 003235 / 000013 |
| Instrument Date | Aug 13, 2019 |
| Instrument | 51535 |
| Transaction Type | Transfer |
| Record Updated | Sep 18, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $322.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5100 N A-I-A #D-34 VERO BEACH FL 32963, D-34, VERO BEACH, FL 32963 |
The 2025 property tax bill for 965 Reef Ln was $26,889.
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 | $26,889.00 | $2,242,655 Land $1,864,900 Building $377,755 | $2,242,655 Land $1,864,900 Building $377,755 |
| 2023 | $26,113.00 (+200.81%) | $2,209,141 (+191.79%) Land $1,864,900 Building $344,241 | $2,209,141 (+4.49%) Land $1,864,900 Building $344,241 |
| 2022 | $8,681.00 | $757,110 | $2,114,125 Land $1,864,900 Building $249,225 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 965 Reef Ln in Zone X, an area of minimal flood risk, within 100 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 100 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 965 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 | 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 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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