$419,900
Vero Beach, FL 32962
MLS# 1087444
Status: Pending
3 beds | 2 baths
1 / 47
Property Description
RARE 2.75% ASSUMABLE FHA MORTGAGE! Qualified buyers have an incredible opportunity to assume this low-rate loan with a current monthly mortgage payment of approximately $2,150. Welcome to Vero Shores a peaceful, established community near the Indian River, adjacent to the natural beauty of Harmony Oaks Conservation Area, with NO mandatory HOA and the freedom to bring your BOAT, RV & TOYS! This solid CBS 3BR/2BA home offers 1,640 SF and sits on an EXTRA-LARGE .37-ACRE CORNER LOT over 16,000 SF and approximately 140x115! Two driveway access points, a double rolling gate and improved shell/coquina side parking make maneuvering and storing a boat, RV or trailer a breeze. A BRAND-NEW PAVER DRIVEWAY adds beautiful curb appeal. Inside, you'll find a BRAND-NEW guest bathroom renovation featuring tile flooring, new vanity and fixtures. Major improvements offer peace of mind, including a 2018 METAL ROOF, 2018 HVAC, 2022 WATER HEATER and COMPLETE REPLUMB in 2022. Impact-rated doors and garage
Details
Maps
Location, Tax, and Legal
Tax Account: 6437989
Parcel Number: 33403100005006000011.0
General County Location: Out of Brevard
Elementary School: Other
Middle School: Other
High School: Other
Tax Annual Amount: 4549.34
Tax Year: 2025
Tax Legal Description: VERO SHORES UNIT 1 BLK 6 LOT 11 PBI 5-52
Zoning Description: Residential
Flood Zone: X
Directions: From US-1 Turn East onto 21st SE into Vero Shores The property is on your left.
General Property Information
Bathrooms Half: 0
Living Area: 1640
Living Area Source: Owner
Lot Size Acres: 0.37
Lot Size Dimensions: 140.0 ft x 115.0 ft
Lot Size Square Feet: 16117
Accessibility Features YN: No
Association YN: No
New Construction YN: No
Garage YN: Yes
Garage Spaces: 2
Carport YN: No
Waterfront YN: No
Senior Community YN: No
CDD Fee YN: No
Community Fee(s) YN: No
Water Body Access YN: No
Furnished: Unfurnished
Stories: 1
Direction Faces: South
Pool Private YN: No
List Price/SqFt: 256.04
Bedrooms Total: 3
Bathrooms Total: 2
Bathrooms Full: 2
Year Built: 1973
Remarks and Miscellaneous
Public Remarks: RARE 2.75% ASSUMABLE FHA MORTGAGE! Qualified buyers have an incredible opportunity to assume this low-rate loan with a current monthly mortgage payment of approximately $2,150. Welcome to Vero Shores a peaceful, established community near the Indian River, adjacent to the natural beauty of Harmony Oaks Conservation Area, with NO mandatory HOA and the freedom to bring your BOAT, RV & TOYS!
This solid CBS 3BR/2BA home offers 1,640 SF and sits on an EXTRA-LARGE .37-ACRE CORNER LOT over 16,000 SF and approximately 140x115! Two driveway access points, a double rolling gate and improved shell/coquina side parking make maneuvering and storing a boat, RV or trailer a breeze. A BRAND-NEW PAVER DRIVEWAY adds beautiful curb appeal.
Inside, you'll find a BRAND-NEW guest bathroom renovation featuring tile flooring, new vanity and fixtures. Major improvements offer peace of mind, including a 2018 METAL ROOF, 2018 HVAC, 2022 WATER HEATER and COMPLETE REPLUMB in 2022. Impact-rated doors and garage
Appliances
Dishwasher: 1
Dryer: 1
Electric Range: 1
Electric Water Heater: 1
Microwave: 1
Refrigerator: 1
Washer: 1
Architectural Style
Ranch: 1
Traditional: 1
Closing Company Details
Closing Company Name: Premier title partners of FL
Closing Company Address: 815 Beachland blvd vero beach
Construction Materials
Block: 1
Brick: 1
Concrete: 1
Cooling
Central Air: 1
Electric: 1
Current Use
Residential: 1
Single Family: 1
DPR Eligible
DPR Eligible: Yes
Exterior Features
Impact Windows: 1
Other: 1
Fencing
Fenced: 1
Flooring
Tile: 1
Green Energy Efficient
Windows: 1
Heating
Central: 1
Electric: 1
Interior Features
Ceiling Fan(s): 1
Eat-in Kitchen: 1
Pantry: 1
Primary Bathroom - Shower No Tub: 1
Walk-In Closet(s): 1
Laundry Features
Electric Dryer Hookup: 1
In Unit: 1
Washer Hookup: 1
Legal Details
Permission Granted to Advertise: No
Levels
One: 1
Listing Terms
Assumable: 1
Cash: 1
Conventional: 1
FHA: 1
VA Loan: 1
Lot Features
Corner Lot: 1
Other Structures
Shed(s): 1
Parking Features
Additional Parking: 1
Attached: 1
Garage: 1
Garage Door Opener: 1
RV Access/Parking: 1
Patio And Porch Features
Patio: 1
Screened: 1
Pets Allowed
Yes: 1
Possession
Close Of Escrow: 1
Negotiable: 1
Road Frontage Type
County Road: 1
Road Surface Type
Paved: 1
Roof
Metal: 1
Security Features
Smoke Detector(s): 1
Sewer
Public Sewer: 1
Special Listing Conditions
Standard: 1
Utilities
Cable Available: 1
Cable Connected: 1
Electricity Connected: 1
Sewer Connected: 1
Water Connected: 1
View
Other: 1
Water Source
Public: 1
Showing Requirements
Lockbox: 1
Showing Service: 1
Smart Home Features
Smoke Detector: 1
Property Condition
Updated/Remodeled: 1
Rental Restrictions
No Minimum: 1
Room Types
Bedroom 1: 1
Bedroom 1 Level: Main
Bedroom 2: 1
Bedroom 2 Level: Main
Bedroom 3: 1
Bedroom 3 Level: Main
Dining Room: 1
Dining Room Level: Main
Kitchen: 1
Kitchen Level: Main
Living Room: 1
Living Room Level: Main
Contract Information
Current Price: $419,900
Original List Price: 419900
List Price: $419,900
Status: Pending
Listing Contract Date: 2026-09-12
Property Sub Type: Single Family Residence
Location Tax and Legal
Street Number: 404
Street Name: 21st
Street Suffix: Street
Street Direction Suffix: SE
County: Indian River
State: FL
Postal Code: 32962
MLS Area Major: 904 - Indian River
Subdivision Name: None
Status Change Information
Major Change Timestamp: 2026-09-22T23:24:41Z
Major Change Type: Status Change
Status Change Timestamp: 2026-09-22
Purchase Contract Date: 2026-09-21
Property Features
Appliances: Dishwasher; Dryer; Electric Range; Electric Water Heater; Microwave; Refrigerator; Washer
Architectural Style: Ranch; Traditional
Construction Materials: Block; Brick; Concrete
Cooling: Central Air; Electric
Current Use: Residential; Single Family
Exterior Features: Impact Windows; Other
Fencing: Fenced
Flooring: Tile
Green Energy Efficient: Windows
Heating: Central; Electric
Interior Features: Ceiling Fan(s); Eat-in Kitchen; Pantry; Primary Bathroom - Shower No Tub; Walk-In Closet(s)
Laundry Features: Electric Dryer Hookup; In Unit; Washer Hookup
Levels: One
Listing Terms: Assumable; Cash; Conventional; FHA; VA Loan
Lot Features: Corner Lot
Other Structures: Shed(s)
Parking Features: Additional Parking; Attached; Garage; Garage Door Opener; RV Access/Parking
Patio And Porch Features: Patio; Screened
Pets Allowed: Yes
Possession: Close Of Escrow; Negotiable
Property Condition: Updated/Remodeled
Rental Restrictions: No Minimum
Road Frontage Type: County Road
Road Surface Type: Paved
Roof: Metal
Security Features: Smoke Detector(s)
Sewer: Public Sewer
Showing Requirements: Lockbox; Showing Service
Smart Home Features: Smoke Detector
Special Listing Conditions: Standard
Utilities: Cable Available; Cable Connected; Electricity Connected; Sewer Connected; Water Connected
View: Other
Water Source: Public
Room Types: Bedroom 1; Bedroom 2; Bedroom 3; Dining Room; Kitchen; Living Room
Supplements
door add another valuable upgrade. The laundry room has also been improved with an HVAC duct, bringing the space under air.
The Florida lifestyle continues out back with an impressive 30x15 SCREENED & COVERED LANAI approximately 450 SF of additional outdoor living and entertaining space featuring a beautiful wood ceiling and commercial fan. The oversized backyard is fully fenced and includes a utility shed for additional storage.
Location is another standout! Vero Shores offers a tucked-away residential feel surrounded by some of Vero Beach's natural beauty, with Harmony Oaks Conservation Area nearby, the Indian River just minutes away and easy access to boating, outdoor recreation, shopping, dining and Vero's beautiful beaches.
BIG LOT. NO MANDATORY HOA. ROOM FOR THE TOYS. And a 2.75% assumable FHA mortgage opportunity that's nearly impossible to recreate in today's market.
FHA loan assumption subject to lender approval and buyer qualification.
Room Information
| Room Name | Level | Length | Width |
| Living Room | Main | 13.00 | 15.00 |
| Dining Room | Main | 15.00 | 11.00 |
| Kitchen | Main | 8.00 | 21.00 |
| Bedroom 1 | Main | 15.00 | 11.00 |
| Bedroom 2 | Main | 15.00 | 10.00 |
| Bedroom 3 | Main | 14.00 | 10.00 |
Listing Office: Atlantic Key Realty group
Last Updated: September - 22 - 2026
Information is deemed to be reliable, but is not guaranteed.