991 Oyster Shell Ln, Vero Beach, FL 32963 Property Records

Indian River County property record for 991 Oyster Shell Ln, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,767 sqft · built 1995
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Trust Names on File
Tax Bill	$8,796 (2025)
Deeds & Mortgages	Mar 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`33-40-08-00009-0000-00013.0`

Property Details

APN / Parcel Number

Primary APN	`33-40-08-00009-0000-00013.0`
Alternative APN	`95377`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,767 sqft Living Area
Gross Area	3,331 sqft
1st Floor Area	2,767 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Concrete
Lot Area	19,602 sqft (0.45 acres)
Lot Dimensions	137 ft deep x 134 ft wide
View / Lot	Interior
Garage Type	Attached
Garage Area	564 sqft
Driveway	Concrete Driveway
Driveway Area	1,389 sqft

Exterior Amenities

Pool Area	448 sqft
Porch	Open Porch
Porch Area	367 sqft
Patio Area	852 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	991 OYSTER SHELL LN
City	VERO BEACH
State	FL
Zip	32963-2370
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	CASTAWAY COVE WAVE V LOT 13 PBI 11-67
Legal Range	40E
Legal Township	33S
Legal Section	08
Legal Subdivision	CASTAWAY COVE WAVE V
Legal Lot Number	13
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	3
Census Block	3001
Census Tract	50508

Owner

991 Oyster Shell Ln is owner-occupied and held in a trust since September 2016.

Source: Indian River County records, as of March 16, 2026

Owner of Record	2 Trust Names on File
Mailing Address	991 OYSTER SHELL LN, VERO BEACH, FL 32963-2370
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2016
Deed Sale	Sep 13, 2016
Prior Sale	Nov 26, 2012 · Amount on File
Deed Document Number	201652857
Deed Book / Page	2965 / 962
Prior Transfer Date	Aug 15, 2005
Prior Transfer Doc	0019320121
Record Updated	Jun 8, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	INDIAN RIVER FL
Recording Date	Mar 4, 2026
Property Address	991 OYSTER SHELL LN, VERO BEACH, FL 32963-2370
Document Number	0038420883
Book / Page	3842 / 883
Map Reference	MB 11 PG 67
Instrument Date	Mar 3, 2026
Instrument	3120260009983
Transaction Type	Transfer
Record Updated	Mar 18, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	991 OYSTER SHELL LN, VERO BEACH, FL 32963-2370

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	991 OYSTER SHELL LN, VERO BEACH, FL 32963-2370

Tax Assessment & Valuation

The 2025 property tax bill for 991 Oyster Shell Ln was $8,796 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Indian River County
Municipality	Vero Beach City
Unified School District	Indian River County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,796.00 Homeowner's exemption	$578,814	$1,026,405 Land $415,438 Building $610,967
2023	$8,014.00 (+2.98%)	$546,118 (+3%)	$980,405 (+33.29%) Land $415,438 Building $564,967
2022	$7,782.00	$530,212	$735,538 Land $332,351 Building $403,187

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

Flood

FEMA maps place 991 Oyster Shell Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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 File median of 136 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	1 (2004)
Most Recent Claim	Sep 2004 · Hurricane Frances

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

The area around 991 Oyster Shell Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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 System	CITY OF VERO BEACH serves 37,308 people · EPA ID FL3310206
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	5 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	29 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 294 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL	100 / 20