1240 12TH AVENUE SW, VERO BEACH, FL, 32962
Active6 days on marketListed Sep 14, 2026MLS #O6439544
About this home
1240 12TH AVENUE SW
Welcome to 1240 12th Avenue SW in Vero Beach! This inviting three-bedroom, twi-bathroom home with 1,146 square feet of living space and a one-car garage offers a comfortable and functional layout in a desirable Vero Beach location. Step inside to a bright living area featuring tile flooring, vaulted ceilings, and an open, airy feel that makes the home feel spacious and welcoming. The kitchen provides plenty of cabinet storage and counter space, with a practical layout designed for everyday living and entertaining. Open to the living room with high ceilings makes a wonderful space for family time or entertaining. The home offers three comfortable bedrooms, providing flexibility for a growing family, home office, guest room, or investment use. The primary bedroom features an en suite private bath for added convenience. Outside, enjoy a private fenced backyard with a grassy area offering room for pets, outdoor activities, gardening, or creating your own backyard retreat. The attached one-car garage and driveway provide convenient parking and additional storage. Located in Vero Beach with convenient access to shopping, dining, schools, parks, beaches, and everyday amenities, this home presents an excellent opportunity for a buyer seeking value and Florida living. Whether you’re looking for a primary residence, first home, seasonal getaway, or investment property, this 3-bedroom home offers an appealing combination of space, functionality, privacy, and location. Don’t miss the opportunity to make this Vero Beach property your own! Schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,146
Sqft
0.11 ac
Lot size
1
Garage
2005
Year built
One
Levels
$218
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 — not generic estimates.
$1,942 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$1,942/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
vs edgeAI estimate
−11.8%
$/sqft vs Vero Beach actives
$218 vs $241
Days on market
6 vs 32 typical
Where $218/sqft sits among the 22 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 Pine Tree
Get to know Vero Beach. See the full Vero Beach guide →
Pine Tree — neighborhood snapshot
Population
2,798
Median age
30
Median income
$60,193
Median home value
$236,891
Avg household
4
Households w/ children
401
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
$441K → $315K
Vero Beach median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
10 of 22
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 43% above the VERO BEACH 32962 median. See the full Vero Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 1240 12TH AVENUE SW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$170,000
523 7TH LANE SW
2 bd · 1 ba · 1,148 sqft · $148/sqft · 228 DOM
Sold · Apr ’26$229,000
426 15TH LANE SW
3 bd · 2 ba · 1,140 sqft · $201/sqft · 0 DOM
Sold · May ’26$265,000
204 14TH STREET SW
3 bd · 2 ba · 1,132 sqft · $234/sqft · 0 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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1240 12TH AVENUE SW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1240 12TH AVENUE SW — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1240 12TH AVENUE SW FAQs
What would the monthly payment be for 1240 12TH AVENUE SW?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,942/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 1240 12TH AVENUE SW?+
The most recent tax bill on record (2025) was $2,392. 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 1240 12TH AVENUE SW?+
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 $250,000, this home is listed about 43% below the Vero Beach median of $439,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1240 12TH AVENUE SW?+
Oslo Middle School (middle), Indian River Academy (elementary), Vero Beach High School (high) — Indian River County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Robert Christiano. MLS #O6439544.
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 Stellar MLS.
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