Indian River County property record for 996 E 13th Sq, Vero Beach, FL 32960
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,636 sqft · built 2003 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $320,000 (Apr 2026) |
| Tax Bill | $4,399 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-39-11-00034-0000-00149.0 |
| Primary APN | 33-39-11-00034-0000-00149.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,636 sqft Living Area |
| Gross Area | 2,164 sqft |
| 1st Floor Area | 1,636 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| 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 | Interior |
| Garage Type | Attached |
| Garage Area | 360 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 464 sqft |
| Porch | Screened Porch |
| Porch Area | 188 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 996 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 149 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 | 149 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 50602 |
996 E 13th Sq is owned and occupied by two individuals who bought it in April 2026.
Source: Indian River County records, as of July 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 996 E 13TH SQ, VERO BEACH, FL 32960-2108 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Apr 15, 2026 | Correction Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 15, 2026 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 15, 2026 | Correction Deed · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 5, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2026 · Amount on File |
| Deed Sale | Apr 15, 2026 · Amount on File |
| Prior Sale | Jul 30, 2009 · Amount on File |
| Deed Document Number | 202617654 |
| Deed Book / Page | 3852 / 1642 |
| Prior Transfer Date | Nov 27, 2017 |
| Prior Transfer Doc | 0030750647 |
| Record Updated | Oct 29, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Apr 15, 2026 |
| Property Address | 996 E 13TH SQ, VERO BEACH, FL 32960-2108 |
| Document Number | 0000017654 |
| Book / Page | 3852 / 1642 |
| Instrument Date | Jan 30, 2026 |
| Instrument | 2026.17654 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2026 |
| Title Company | FLORIDA GUARANTY TITLE AND ESCRO, FLORIDA GUARDIAN TITLE & ESCRO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $226,240.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 996 E 13TH SQ, VERO BEACH, FL 32960-2108 |
| Document Number | 0000017654, |
|---|---|
| Date | Apr 15, 2026 |
| Book Page | 3852/1645 |
| Instrument | 2026.17654 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Rate | 6.15% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Apr 15, 2026 |
| Property Address | 996 E 13TH SQ, VERO BEACH, FL 32960-2108 |
| Document Number | 0000017655 |
| Book / Page | 3852 / 1645 |
| Instrument Date | Jan 30, 2026 |
| Instrument | 202617655 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Document Number | 0000017655, |
|---|---|
| Date | Apr 15, 2026 |
| Book Page | 3852/1645 |
| Instrument | 202617655 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Rate | 6.15% |
|---|---|
| Max Rate | -1% |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Apr 15, 2026 |
| Property Address | 996 E 13TH SQ, VERO BEACH, FL 32960-2108 |
| Document Number | 0038521642 |
| Book / Page | 3852 / 1642 |
| Instrument Date | Jan 30, 2026 |
| Instrument | 202617654 |
| Record Updated | Aug 27, 2026 |
| Title Company | FLORIDA GUARANTY TITLE AND ESCRO, FLORIDA GUARDIAN TITLE & ESCRO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $226,240.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 996 E 13TH SQ, VERO BEACH, FL 32960-2108 |
| Document Number | 0000017654, |
|---|---|
| Date | Apr 15, 2026 |
| Book Page | 3852/1645 |
| Instrument | 202617654 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Rate | 5.62% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Dec 5, 2017 |
| Property Address | 996 E 13TH SQ, VERO BEACH, FL 32960-2108 |
| Document Number | 0030750647 |
| Book / Page | 003075 / 000647 |
| Instrument Date | Nov 27, 2017 |
| Instrument | 69585 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1420 HAUSMAN AVE ALLENTOWN PA 181034430, ALLENTOWN, PA 18103-4430 |
The 2025 property tax bill for 996 E 13th Sq was $4,399.
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 | $4,399.00 | $284,098 Land $34,000 Building $250,098 | $284,098 Land $34,000 Building $250,098 |
| 2023 | $4,051.00 (+11.17%) | $286,908 (+15.8%) Land $34,000 Building $252,908 | $286,908 (+15.8%) Land $34,000 Building $252,908 |
| 2022 | $3,644.00 | $247,768 Land $21,250 Building $226,518 | $247,768 Land $21,250 Building $226,518 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 996 E 13th Sq in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2007.
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 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.
Wildfire risk around 996 E 13th Sq is low, with less than 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 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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