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9903 E Villa Cir, Vero Beach, FL 32966 Property Records

Indian River County property record for 9903 E Villa Cir, Vero Beach, FL 32966

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,641 sqft · built 2018
Lot Size0.09 acres (3,920 sqft)
Owner2 Individual Names on Record
Last Sale$188,500 (Sep 2018)
Tax Bill$2,224 (2025)
Deeds & MortgagesJun 2022 Mortgage
Oct 2020 Mortgage
+ 2 more
Flood ZoneZone A (high risk)
APN33-38-09-00002-0000-00189.0

Property Details

APN / Parcel Number

Primary APN33-38-09-00002-0000-00189.0
Alternative APN
  • 62942

Interior

Bedrooms3 Beds
Full Baths3 Baths
Plumbing Fixtures10 Plumbing Fixtures
Total Rooms6 Rooms
Stories2 Stories
Building Area1,641 sqft Living Area
Gross Area1,920 sqft
1st Floor Area912 sqft
2nd Floor Area729 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Exterior MaterialConcrete Block
Roof TypeHip
Roof MaterialComposition Shingle
Lot Area3,920 sqft (0.09 acres)
Lot Dimensions155 ft deep x 24 ft wide
View / LotInterior
Garage TypeAttached
Garage Area279 sqft
DrivewayBrick Driveway
Driveway Area432 sqft
PorchSlab

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address9903 E VILLA CIR
CityVERO BEACH
StateFL
Zip32966-3141
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRM-6
Legal DescriptionVERONA TRACE & THE VILLAS AT VERONA TRACE LOT 189 PBI 20-69 & PBI 22-16
Legal Range38E
Legal Township33S
Legal Section09
Legal SubdivisionVERONA TRACE SUB & THE VILLAS AT VERONA
Legal Lot Number189
JurisdictionINDIAN RIVER FL
Township / Civil DivisionFELLSMERE
Census Block Group2
Census Block2083
Census Tract50908

Owner

Source: Indian River County records, as of August 12, 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 Record
Mailing Address9903 E VILLA CIR, VERO BEACH, FL 32966-3141
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 10, 2022Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Oct 16, 2020Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Sep 27, 2019Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Sep 27, 2018Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage
EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 27, 2018 · Amount on Record
Deed SaleSep 27, 2018 · Amount on Record
Deed Document Number201859038
Deed Book / Page3151 / 1344
Record UpdatedSep 20, 2026

June 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionINDIAN RIVER FL
Property Address9903 E VILLA CIR, VERO BEACH, FL 32966-3141
Transaction TypeMortgage
Record UpdatedJun 24, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address9903 E VILLA CIR, VERO BEACH, FL 32966-3141

Mortgage

Document Number0035472104
DateJun 10, 2022
Book Page3547/2104
Instrument3120220037164
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term358 Months
DueApr 1, 2052

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionINDIAN RIVER FL
Property Address9903 E VILLA CIR, VERO BEACH, FL 32966-3141
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0033480838
DateOct 16, 2020
Book Page3348/838
Instrument3120200062234
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term350 Months
DueDec 1, 2049

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionINDIAN RIVER FL
Property Address9903 E VILLA CIR, VERO BEACH, FL 32966-3141
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0032411507
DateSep 27, 2019
Book Page3241/1507
Instrument3120190056718
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2049

September 2018: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionINDIAN RIVER FL
Recording DateSep 27, 2018
Property Address9903 E VILLA CIR, VERO BEACH, FL 32966-3141
Document Number0031511344
Book / Page3151 / 1344
Map ReferenceMB22 PG16
Instrument DateSep 26, 2018
Instrument3120180059038
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 6, 2021
Title CompanyNORTH AMERICAN TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,319.50
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8895 N MILITARY TRL # TRL101B, 8895, WEST PALM BEACH, FL 33410-6220

Transferred To (Grantee/Buyer)

NameVerified Name
Address9903 E VILLA CIR, VERO BEACH, FL 32966-3141

Mortgage

Document Number3120180059039
DateSep 27, 2018
Instrument3120180059039
Lender
NameEAGLE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2048

Tax Assessment & Valuation

Source: Indian River County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyIndian River County
Unified School DistrictIndian River County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,224.00 (+20.22%) Homeowner's exemption$169,497 (+5.99%)$239,551 (-11.87%) Land $12,750 Building $226,801
2023$1,850.00 (+3.06%)$159,922 (+3%)$271,813 (+20.29%) Land $12,750 Building $259,063
2022$1,795.00$155,264$225,956 Land $12,750 Building $213,206

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone A
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationNot determined for this zone
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 124 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies124 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 58% of the US · lower than 68% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemINDIAN RIVER COUNTY UTILITIES (2 WTPS)
serves 126,893 people · EPA ID FL3314052
Water SourceGroundwater
Last State InspectionJun 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting14
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 210 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
AT&T
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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