, VERO BEACH, FL, 32963
Active270 days on marketListed Oct 27, 2025MLS #R11135667
About this home
Exceptional riverfront land opportunity in the private, gated community of Orchid Isle Estates! This .43-acre home-site offers a generous space and comes prepared with $50K of fill—ready for your custom home. Mangroves thoughtfully trimmed allowing for river views even from the first floor. Enjoy serene river views from your private lookout deck. Conveniently located just minutes from Vero Beach's barrier island, beaches, and Publix. This is a rare chance to build in one of the area's most desirable riverfront enclaves.
Facts & features
The home at a glance
0.43 ac
Lot size
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.
$6,435 /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
$6,435/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.
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)
Median sold price, Vero Beach, trailing 36 months (3-month rolling) · live MLS data.
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 · Mar ’26$1,275,000
Nearby listing · same community
4 bd · 4.5 ba · 4,469 sqft · $285/sqft · 8 DOM
Sold · Feb ’26$825,000
Nearby listing
3 bd · 2 ba · 1,020 sqft · $809/sqft · 283 DOM
Sold · Aug ’25$2,650,000
Nearby listing
3 bd · 3.5 ba · 1,584 sqft · $1,673/sqft · 185 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
Donna Layton
Real Estate Agent · 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 Donna'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 $6,435/mo — principal and interest, the actual property-tax bill, the $166/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 $166 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 $4,397. 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 $995,000, this home is listed about 197% 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
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Time on market is leverage
270 days on market against a Vero Beach median of 30 — sellers in this position are usually ready to negotiate.
03Strong 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.
04The price has already moved
Listed at $1,050,000, now $995,000 — a $55K cut. The full history is in the market section below.
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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