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

Indian River County property record for 990 Ruby Ave SW, Vero Beach, FL 32968 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	3 Baths
Year Built	Built 2005
Square Footage	2,404 sqft Living Area
Lot Size	12,197 sqft (0.28 acres)
Occupancy	Owner Occupied
Last Sale	$369,900 (2021)
Tax Bill	$5,483.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`33-39-28-00007-0000-00036.0`
Alternative APN	`89602`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Building Area	2,404 sqft Living Area
Gross Area	3,020 sqft Gross Area
1st Floor	2,404 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Ceramic Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Custom Design Style
Exterior Material	Concrete Block Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Roof Construction	Hip Roof Construction
Roof Material	Tile Roof
Lot Area	12,197 sqft (0.28 acres)
Depth X Width	150 ft x 80.2 ft Depth x Width
Driveway	Driveway Brick
Driveway Area	1,350 sqft Driveway
Garage Type	Attached Garage
Garage Area	616 sqft Garage
Porch	Open Porch
Porch Area	224 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	990 RUBY AVE SW
City	VERO BEACH
State	FL
Zip	32968-5859
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	DIAMOND LAKE SUB PHASE ONE LOT 36 PBI 17-95
Legal Range	39E
Legal Township	33S
Legal Section	28
Legal Subdivision	DIAMOND LAKE SUBDIVISION PHASE ONE
Legal Phase	1
Legal Lot Number	36
Jurisdiction	INDIAN RIVER FL
Minor Civil Division	VERO BEACH
Census Blockgroup	1
Census Block	1037
Census Tract	50707

Owner

Source: Indian River County records · APN 33-39-28-00007-0000-00036.0

Assessment roll updated December 8, 2025 · Last verified April 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 File
Mailing Address	990 RUBY AVE SW, VERO BEACH, FL 32968-5859
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	Jul 21, 2021 · Amount on Record
Deed Sale	Jul 21, 2021 · Amount on Record
Prior Sale	Mar 09, 2005 · Amount on Record
Deed Doc Number	202152393
Deed Book / Page	3446 / 212
Prior Transfer Date	Sep 25, 2007
Prior Transfer Doc	0022131852
Record Refreshed	Jun 08, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jul 21, 2021
Property Address	990 RUBY AVE SW, VERO BEACH, FL 32968-5859
Document Number	0034460212
Book / Page	3446 / 212
Map Reference	MB 17 PG 95-98
Instrument Date	Jul 13, 2021
Instrument	3120210052393
Transaction Type	Transfer
Record Updated	Aug 04, 2021
Title Company	ATLANTIC COASTAL LAND TITLE COMPANY, ATLANTIC COASTAL LAND TTL CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,589.30
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	571 COVENTRY LN, 571, BUFFALO GROVE, IL 60089-4600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	990 RUBY AVE SW, VERO BEACH, FL 32968-5859

Mortgage

Document Number	3446214
Date	Jul 21, 2021
Instrument	3446/214

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

Tax Assessment & Valuation

Source: Indian River County records · Assessment roll updated December 8, 2025 · Last verified April 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	$5,483.00 (+11.97%) Homeowner's exemption	$401,494 (+5.99%)	$417,203 (-0.95%) Land $55,250 Building $361,953
2023	$4,897.00 (+2.53%)	$378,814 (+3%)	$421,224 (+14.53%) Land $55,250 Building $365,974
2022	$4,776.00	$367,780 Land $55,250 Building $312,530	$367,780 Land $55,250 Building $312,530

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.