CENTURY 21 Edge

, VERO BEACH, FL, 32963

Active90 days on marketListed Apr 20, 2026MLS #B26017766

Priced 30% below the VERO BEACH 32963 medianAgricultureSILVER SHORES UNIT NO 1

About this home

Rare beachside development opportunity! Vacant land zoned and approved for 3 single-family townhouses or 2 larger town-homes. Letters from the City are available regarding zoning and approved building requirements. Located across the street from the ocean and directly across from shopping. A highly desirable site offering exceptional flexibility for builders, developers, or investors. Ready for your plans and rarely available in this prime coastal location. Close

Facts & features

The home at a glance

0.239 ac

Lot size

Garden view

Inside

Outside & construction

ViewGarden

Community & fees

Taxes (2025)$2,056/yr
CommunityPaved Road

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sewer Connected · Cable Available · Electricity Available · Sewer Available · Water Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$4,365 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,772
PMI (est., until 20% equity)$262
Property tax — 2025 actual bill$171
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $69,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $69,900
Interest rate6.00%
Loan term

Estimated payment

$4,365/mo

Principal & interest$3,772
PMI (est., until 20% equity)$262
Property taxes (actual bill)$171
Est. insurance$160

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.

Where it sits

Inside Vero Beach

Map of

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

ElementaryBeachland Elementary School★★★★
HighVero Beach High School★★★★★
MiddleGifford Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Vero Beach market

Seller’s marketLeans seller4.0 months of inventoryBuyer’s market

$330K$412K

Vero Beach median sold, yr/yr

98.0%

Sale-to-list ratio (12 mo)

Median sold price, Vero Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 30% below the VERO BEACH 32963 median. See the full Vero Beach market guide →

Paper trail

This home's history

Apr 20, 2026Listed at $699,000 · 90 days on market since

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.

Nearby listingSold · Jun ’26

$600,000

Nearby listing

2 bd · 2 ba · 1,112 sqft · $540/sqft · 119 DOM

3939 Ocean Drive # 205b, Vero Beach FL 32963Sold · Jun ’26

$525,000

3939 Ocean Drive # 205b, Vero Beach FL 32963

2 bd · 2 ba · 1,130 sqft · $465/sqft · 201 DOM

Nearby listingSold · Jun ’26

$280,000

Nearby listing

2 bd · 2 ba · 1,200 sqft · $233/sqft · 123 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.

Kevin Johnson

Your agent

Kevin Johnson

CEO & Managing Broker · CENTURY 21 Edge

Tours, negotiation, and every question about — start here.

Andrew Acosta

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 Kevin'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 $4,365/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on ?+

The most recent tax bill on record (2025) was $2,056. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Vero Beach?+

At $699,000, this home is listed about 109% 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

01Under the VERO BEACH 32963 market on paper

$699,000 is 30% below the VERO BEACH 32963 median of $999,000.

02Garden views

The garden view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

90 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.

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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CENTURY 21 Edge
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