965 Ruby Ave SW, Vero Beach, FL 32968 Property Records

Indian River County property record for 965 Ruby Ave SW, Vero Beach, FL 32968 · Last verified March 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	50 Beds
Bathrooms	3 Baths
Year Built	Built 2005
Square Footage	3,828 sqft Living Area
Lot Size	12,197 sqft (0.28 acres)
Occupancy	Owner Occupied
Last Sale	$380,000 (2020)
Tax Bill	$6,837.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`33-39-28-00007-0000-00010.0`
Alternative APN	`89576`

Interior

Bedrooms	50 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	10 Rooms
Building Area	3,828 sqft Living Area
1st Floor	2,090 sqft 1st Floor
2nd Floor	1,738 sqft 2nd Floor
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2005
Exterior Material	Stucco Exterior
Construction Type	Concrete Blocks Construction
Foundation Type	Mat/Raft Foundation (Slab) Foundation
Roof Construction	Hip Roof Construction
Lot Area	12,197 sqft (0.28 acres)
Depth X Width	151 ft x 80 ft Depth x Width
Driveway	1 Driveway
Driveway Area	1,224 sqft Driveway
Garage Area	462 sqft Garage
Porch	Open Porch
Porch Area	262 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air Heating

Location & Zoning

Account Number	89576
Street Address	965 RUBY AVE SW
City	VERO BEACH
State	FL
Zip	32968-5860
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	DIAMOND LAKE SUB PHASE ONE LOT 10 PBI 17-95
Legal Range	39
Legal Township	33
Legal Section	28
Legal Subdivision	DIAMOND LAKE SUBDIVISION PHASE ONE
Legal Phase	1
Legal Lot Number	10
Jurisdiction	INDIAN RIVER FL
Minor Civil Division	VERO BEACH
Census Blockgroup	1
Census Block	1038
Census Tract	50707

Owner

Source: Indian River County records · APN 33-39-28-00007-0000-00010.0

Assessment roll updated July 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	965 RUBY AVE SW, VERO BEACH, FL 32968-5860
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 22, 2020 · Amount on Record
Deed Sale	Oct 22, 2020 · Amount on Record
Prior Sale	May 04, 2005 · Amount on Record
Deed Doc Number	3120200063696
Deed Book / Page	3350 / 375
Record Refreshed	Jun 08, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Oct 22, 2020
Property Address	965 RUBY AVE SW, VERO BEACH, FL 32968-5860
Document Number	0033500375
Book / Page	3350 / 375
Map Reference	MB 17 PG 95-98
Instrument Date	Oct 20, 2020
Instrument	3120200063696
Transaction Type	Transfer
Record Updated	Dec 06, 2021
Title Company	OCEANSIDE TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	965 RUBY AVE SW, VERO BEACH, FL 32968-5860

Mortgage

Document Number	3350378
Date	Oct 22, 2020
Instrument	3350/378

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

Tax Assessment & Valuation

Source: Indian River County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Florida
County	Indian River County
Unified School District	Indian River County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,837.00 (+3.2%)	$497,886 (-1%) Land $46,750 Building $451,136	$497,886 (-1%) Land $46,750 Building $451,136
2023	$6,625.00 (+18.37%)	$502,897 (+15.43%) Land $46,750 Building $456,147	$502,897 (+15.43%) Land $46,750 Building $456,147
2022	$5,597.00	$435,666 Land $46,750 Building $388,916	$435,666 Land $46,750 Building $388,916

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Indian River County (12061C), updated May 13, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.