Indian River County property record for 978 E 13th Sq, Vero Beach, FL 32960
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,018 sqft · built 2002 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $27,000 (May 2002) |
| Tax Bill | $1,712 (2025) |
| Deeds & Mortgages | Apr 2026 Sale Dec 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-39-11-00034-0000-00117.0 |
| Primary APN | 33-39-11-00034-0000-00117.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,018 sqft Living Area |
| Gross Area | 2,646 sqft |
| 1st Floor Area | 2,018 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 3,485 sqft (0.08 acres) |
| Lot Dimensions | 85 ft deep x 40 ft wide |
| View / Lot | Canal/Waterfront |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 512 sqft |
| Porch | Screened Porch |
| Porch Area | 245 sqft |
| Patio Area | 82 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 978 E 13TH SQ |
|---|---|
| City | VERO BEACH |
| State | FL |
| Zip | 32960-2108 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM-6 |
| Legal Description | WATERFORD LAKES PHASE I SUB LOT 117 PBI 16-48 |
| Legal Range | 39E |
| Legal Township | 33S |
| Legal Section | 11 |
| Legal Subdivision | WATERFORD LAKES PHASE I SUBDIVISION |
| Legal Phase | 1 |
| Legal Lot Number | 117 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 50602 |
Source: Indian River County records, as of May 8, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 978 E 13TH SQ, VERO BEACH, FL 32960-2108 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Apr 27, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Dec 14, 2017 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 29, 2002 · Amount on Record |
| Deed Sale | May 29, 2002 · Amount on Record |
| Prior Sale | May 29, 2002 · Amount on Record |
| Deed Book / Page | 1492 / 2304 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Apr 27, 2026 |
| Property Address | 978 E 13TH SQ, VERO BEACH, FL 32960-2108 |
| Document Number | 0038551144 |
| Book / Page | 3855 / 1144 |
| Instrument Date | Apr 9, 2026 |
| Instrument | 202619726 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 978 E 13TH SQ, VERO BEACH, FL 32960-2108 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 978 E 13TH SQ, VERO BEACH, FL 32960-2108 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030771727 |
|---|---|
| Date | Dec 14, 2017 |
| Book Page | 3077/1727 |
| Instrument | 3120170071724 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | PORTLAND, ME 04101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 5, 2047 |
Source: Indian River County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Unified School District | Indian River County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,712.00 (+24.87%) Homeowner's exemption | $133,031 (+5.99%) | $328,810 (-1.01%) Land $34,000 Building $294,810 |
| 2023 | $1,371.00 (+3.39%) | $125,517 (+3%) | $332,160 (+14.04%) Land $34,000 Building $298,160 |
| 2022 | $1,326.00 | $121,861 | $291,254 Land $21,250 Building $270,004 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 46 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 46 in force |
| Nearby Flood Claims | 3 (2007–2024) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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 | 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 | INDIAN RIVER COUNTY UTILITIES (2 WTPS) serves 126,893 people · EPA ID FL3314052 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 14 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 382 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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