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

Indian River County property record for 970 Ruby Ave SW, Vero Beach, FL 32968 · Last verified May 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms3 Baths
Year BuiltBuilt 2005
Square Footage2,339 sqft Living Area
Lot Size12,197 sqft (0.28 acres)
OccupancyOwner Occupied
Last Sale$270,000 (2015)
Tax Bill$4,250.00 (2025)

Property Details

APN / Parcel Number

Primary APN33-39-28-00007-0000-00038.0
Alternative APN
  • 89604

Interior

Bedrooms3 Beds
Full Baths3 Baths
Plumbing Fixtures12 Plumbing Fixtures
Total Rooms9 Rooms
Building Area2,339 sqft Living Area
Gross Area2,955 sqft Gross Area
1st Floor2,339 sqft 1st Floor
Stories1 Stories
Primary FlooringCeramic Tile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Architectural StyleCustom Design Style
Exterior MaterialConcrete Block Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionHip Roof Construction
Roof MaterialTile Roof
Lot Area12,197 sqft (0.28 acres)
Depth X Width150 ft x 80 ft Depth x Width
DrivewayDriveway Brick
Driveway Area1,350 sqft Driveway
Garage TypeAttached Garage
Garage Area616 sqft Garage

Exterior Amenities

Pool Area392 sqft Pool
Patio Area910 sqft Patio
PorchOpen Porch
Porch Area260 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating

Location & Zoning

Street Address970 RUBY AVE SW
CityVERO BEACH
StateFL
Zip32968-5859
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionDIAMOND LAKE SUB PHASE ONE LOT 38 PBI 17-95
Legal Range39E
Legal Township33S
Legal Section28
Legal SubdivisionDIAMOND LAKE SUBDIVISION PHASE ONE
Legal Phase1
Legal Lot Number38
JurisdictionINDIAN RIVER FL
Minor Civil DivisionVERO BEACH
Census Blockgroup1
Census Block1037
Census Tract50707

Owner

Source: Indian River County records · APN 33-39-28-00007-0000-00038.0

Assessment roll updated December 8, 2025 · Last verified May 2026

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

Owner of Record2 Individual Names on File
Mailing Address970 RUBY AVE SW, VERO BEACH, FL 32968-5859
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 07, 2026Deed of Trust, Mortgage · Line of Credit
JPMORGAN CHASE BANK N A
Oct 26, 2019Deed of Trust, Mortgage · Conventional Mortgage
CALIBER HM LOANS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 30, 2015 · Amount on Record
Deed SaleDec 30, 2015 · Amount on Record
Prior SaleAug 07, 2009 · Amount on Record
Deed Doc Number201577010
Deed Book / Page2901 / 2252
Record RefreshedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionINDIAN RIVER FL
Recording DateMay 07, 2026
Property Address970 RUBY AVE SW, VERO BEACH, FL 32968-5859
Document Number0000021865
Book / Page3858 / 1220
Instrument DateMay 01, 2026
Instrument202621865
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address970 RUBY AVE SW, VERO BEACH, FL 32968-5859

Mortgage

Document Number0000021865,
DateMay 07, 2026
Book Page3858/1220
Instrument202621865
Lender
NameJPMORGAN CHASE BANK N A
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueMay 08, 2056
Interest
Rate6.46%
Max Rate-1%

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionINDIAN RIVER FL
Property Address970 RUBY AVE SW, VERO BEACH, FL 32968-5859
Document Number0032501612
Instrument DateOct 26, 2019
Transaction TypeMortgage
Record UpdatedNov 12, 2019
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address970 RUBY AVE SW SEBASTIAN FL 32958, SEBASTIAN, FL 32958

Mortgage

Document Number0032501612
DateOct 31, 2019
Book Page003250/001612
Instrument63741
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 30, 2049

Tax Assessment & Valuation

Source: Indian River County records · Assessment roll updated December 8, 2025 · Last verified May 2026

Property Jurisdictions

TypeName
StateFlorida
CountyIndian River County
Unified School DistrictIndian 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.

YearTax BillAssessed ValueAssessed Market Value
2025$4,250.00 (+13.51%) Homeowner's exemption$313,681 (+5.99%)$448,550 (-0.96%) Land $55,250 Building $393,300
2023$3,744.00 (+2.66%)$295,962 (+3%)$452,901 (+14.76%) Land $55,250 Building $397,651
2022$3,647.00$287,342$394,645 Land $55,250 Building $339,395

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 ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

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