Indian River County property record for 985 4th Ln, Vero Beach, FL 32962
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,490 sqft · built 1985 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $229,000 (Dec 2020) |
| Tax Bill | $2,871 (2025) |
| Deeds & Mortgages | Feb 2026 Transfer Mar 2022 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-39-13-00017-0002-00017.0 |
| Primary APN | 33-39-13-00017-0002-00017.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,490 sqft Living Area |
| Gross Area | 2,076 sqft |
| 1st Floor Area | 1,490 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Custom Design |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 142 ft deep x 77.5 ft wide |
| View / Lot | Interior |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 900 sqft |
| Porch | Screened Porch |
| Porch Area | 142 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 985 4TH LN |
|---|---|
| City | VERO BEACH |
| State | FL |
| Zip | 32962-1586 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-6 |
| Legal Description | PINECREST UNIT NO 3 BLK B LOT 17 PBI 11-74 |
| Legal Range | 39E |
| Legal Township | 33S |
| Legal Section | 13 |
| Legal Subdivision | PINECREST SUB UNIT 3 |
| Legal Block | B |
| Legal Lot Number | 17 |
| Legal Unit | NO |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 50602 |
985 4th Ln is owned and occupied by two individuals who acquired it in March 2022.
Source: Indian River County records, as of June 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 985 4TH LN, VERO BEACH, FL 32962-1586 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Feb 12, 2026 | Intrafamily Transfer, Transfer |
| Mar 16, 2022 | Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Dec 4, 2020 | Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC |
| Jan 22, 2020 | Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS |
| Aug 13, 2019 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 4, 2020 · Amount on File |
| Deed Sale | Dec 4, 2020 · Amount on File |
| Prior Sale | Jan 22, 2020 · Amount on File |
| Deed Document Number | 202073161 |
| Deed Book / Page | 3363 / 1040 |
| Last Transfer Date | Mar 16, 2022 |
| Transfer Doc | 0035211696 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Feb 12, 2026 |
| Property Address | 985 4TH LN, VERO BEACH, FL 32962-1586 |
| Document Number | 0038372143 |
| Book / Page | 3837 / 2143 |
| Map Reference | MB 11 PG 74 |
| Instrument Date | Feb 10, 2026 |
| Instrument | 3120260006577 |
| Transaction Type | Transfer |
| Record Updated | Feb 25, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 985 4TH LN, VERO BEACH, FL 32962-1586 |
| Name | Verified Name |
|---|---|
| Address | 755 19TH ST SW, VERO BEACH, FL 32962-7013 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Mar 16, 2022 |
| Property Address | 985 4TH LN, VERO BEACH, FL 32962-1586 |
| Document Number | 0035211696 |
| Book / Page | 3521 / 1696 |
| Map Reference | MB 11 PG 74 |
| Instrument Date | Mar 15, 2022 |
| Instrument | 3120220016973 |
| Transaction Type | Transfer |
| Record Updated | Mar 31, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 985 4TH LN, 985, VERO BEACH, FL 32962-1586 |
| Name | Verified Name |
|---|---|
| Address | 755 19TH ST SW, VERO BEACH, FL 32962-7013 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Dec 4, 2020 |
| Property Address | 985 4TH LN, VERO BEACH, FL 32962-1586 |
| Document Number | 0033631040 |
| Book / Page | 3363 / 1040 |
| Map Reference | MB 11 PG 74 |
| Instrument Date | Nov 30, 2020 |
| Instrument | 3120200073161 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2021 |
| Title Company | MAJESTY TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,603.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1210 40TH AVE, 1210, VERO BEACH, FL 32960-3857 |
| Name | Verified Name |
|---|---|
| Address | 985 4TH LN, VERO BEACH, FL 32962-1586 |
| Document Number | 33631042 |
|---|---|
| Date | Dec 4, 2020 |
| Instrument | 3363/1042 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Jan 22, 2020 |
| Property Address | 985 4TH LN, VERO BEACH, FL 32962-1586 |
| Document Number | 0032702414 |
| Book / Page | 003270 / 002414 |
| Instrument Date | Jan 16, 2020 |
| Instrument | 4047 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,107.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 1210 40TH AVE VERO BEACH FL 329603857, VERO BEACH, FL 32960-3857 |
| Document Number | 32702416 |
|---|---|
| Date | Jan 22, 2020 |
| Book Page | 003270/002416 |
| Instrument | 4048 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 21, 2050 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Aug 13, 2019 |
| Property Address | 985 4TH LN, VERO BEACH, FL 32962-1586 |
| Document Number | 0032300578 |
| Book / Page | 003230 / 000578 |
| Instrument Date | Jul 30, 2019 |
| Instrument | 47752 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 28, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $863.10 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 985 4th Ln was $2,871 with a homeowner's exemption.
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 | $2,871.00 Homeowner's exemption | $220,405 | $298,130 Land $28,707 Building $269,423 |
| 2023 | $2,379.00 (+8.98%) | $211,539 (+11.2%) | $288,457 (+15.49%) Land $28,707 Building $259,750 |
| 2022 | $2,183.00 | $190,230 | $249,760 Land $28,707 Building $221,053 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 985 4th Ln in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1995.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 14 (1995–2017) |
| Claims Outside the SFHA | 13 of 14 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| 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 985 4th Ln is low, with 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 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | 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 343 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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