, VERO BEACH, FL, 32963
Active83 days on marketListed Apr 20, 2026MLS #B26017666
About this home
Brand new custom deepwater estate in The Moorings, set on over half an acre w/ 2018 seawall. Trex dock with 12,000-lb boat lift and easy river access. 4 beds/4.5 baths plus den/office & 4-car garage. Built on pilings w/ impact windows/doors, & aluminum roof. Finishes include 48X48 porcelain floors, quartz countertops, custom cabinetry, oversized island with waterfall-edge, & Wolf/SubZero appliances. Spa-inspired baths with LED mirrors. Infinity edge saltwater pool/spa, plus expansive loggia ideal for waterfront entertaining. Voluntary HOA with beach access.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
4,585
Sqft
0.51 ac
Lot size
4
Garage
2025
Year built
1
Levels
$1,210
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$34,080 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$34,080/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Vero Beach actives
$1,210 vs $244
Days on market
83 vs 30 typical
Where $1,210/sqft sits among the 400 Vero Beach actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Vero Beach
Get to know Vero Beach. See the full Vero Beach guide →
VERO BEACH 32963 — neighborhood snapshot
Population
14,980
Median age
69.1
Median income
$142,985
Median home value
$894,900
Avg household
1.91
Households w/ children
326
For the school run
Indian River County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Vero Beach market
$330K → $412K
Vero Beach median sold, yr/yr
98.0%
Sale-to-list ratio (12 mo)
34 of 400
Vero Beach actives have cut their price
Median sold price, Vero Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 699% above the VERO BEACH 32963 median. See the full Vero Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$4,400,000
166 Ocean Way, Vero Beach FL 32963
4 bd · 5.5 ba · 4,259 sqft · $1,033/sqft · 182 DOM
Sold · Jun ’26$1,850,000
Nearby listing
5 bd · 4 ba · 5,066 sqft · $365/sqft · 95 DOM
Sold · Dec ’25$1,200,000
1015 Treasure Ln, Vero Beach FL 32963
4 bd · 3 ba · 2,794 sqft · $429/sqft · 51 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
FAQs
What would the monthly payment be for ?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $34,080/mo — principal and interest, the actual property-tax bill, the $40/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at ?+
The association fee works out to $40 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on ?+
The most recent tax bill on record (2025) was $22,212. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at ?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Vero Beach?+
At $5,550,000, this home is listed about 1557% above the Vero Beach median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to ?+
Beachland Elementary School (elementary), Vero Beach High School (high), Gifford Middle School (middle) — Indian River County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$5,550,000 runs 699% above the VERO BEACH 32963 median — but at 4,585 sqft it's also nearly 3 times the size of the typical Vero Beach listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
83 days on market against a Vero Beach median of 30 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Beachland Elementary School, Vero Beach High School, Gifford Middle School — Beachland Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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