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404 21st Street

Vero Beach, FL 32962
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Bed 3

Bed

Bath 2

Bath

SqFt1,640

Sqft

SqFt16,117.20

Sqft(Lot)

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 commerc 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 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.

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Detail Ic Property Details

Property Type : Residential

Price : $419,900

AD Id : 91204086

MLS Id : B26075381

Beds : 3

Lot Size : 16,117.20 Sqft

Living Area Size : 1,640

Tax Amount : 4549.34

Year Built : 1973

Garage : 2

County : Indian River

Subdivision: Vero Shores Unit 1

  • Map Map

Map

Map What's Nearby

Map Nearby Areas

Feature Features

  • Bedroom Information

    Total beds: 3

    Bathroom Information

    Total Baths: 2 Full Baths: 2

    Room Information

    Rooms Total: 6

    Roofing Information

    Metal

    Flooring Information

    Tile
  • Interior Features

    BreakfastArea, EatInKitchen, KitchenDiningCombo, Other, Pantry, SeparateShower, WalkInClosets
    Roof: Metal
    Appliances: Dryer, Dishwasher, ElectricRange, Microwave, Refrigerator, Washer
    Laundry Features: LaundryRoom, InUnit
    Window Features: InsulatedWindows, StormWindows
  • Heating & Cooling

    Has Heating: Yes Heating: Central, Electric Has Cooling: Yes Cooling: CentralAir, CeilingFans, Electric

  • Building Information

    Year Built: 1973
    Building Area Total: 1640
    Construction Materials: Block
    Stories: 1
    Patio And Porch Features: Patio, Screened
    Private Pool: No
    Water front Features: None
    View: Garden, Other
  • Exterior Features

    Exterior Features: OutdoorLivingArea, Storage, RoomForPool

  • Lot Information

    Lot Dimensions: 140x115 Main Square Feet: 16117.2 Lot Size Acres: 0.37 Lot Description: CornerLot,Landscaped,QuarterToHalfAcreLot

    Property Information

    Subdivision: VERO SHORES UNIT 1 Source Property Type: Residential MLS Area Minor: INRV - Indian River Postal Code Plus 4: 7319 Property SubType: Single Family Residence Direction Faces: South Levels: One Property Age: 53

  • Listing Price Information

    Listing Price: $419900
    Assumable, Cash, Conventional, FHA, VaLoan

  • Tax Information

    Parcel Number: 334031000050060000110 Tax Year: 2025 Annual Tax: $4549.34 Tax Legal Desc: VERO SHORES UNIT 1 BLK 6 LOT 11 PBI 5-52

  • Parking Information

    Parking Total: 2 Attached, Boat, Driveway, Garage, GarageDoorOpener, Gravel, Open, RvAccessParking

    Garage Information

    Has Garage: Yes Has Attached Garage: Yes Garage Space: 2 Pets Allowed: NoPetRestrictions, Yes

  • School Information

    Elementary School: Indian River Junior High School: Senior High School: Vero Beach
  • Utility Information

    CableConnected, ElectricityConnected, SewerConnected, WaterConnected
  • Location Information

    Direction: From US-1 Turn East onto 21st SE into Vero Shores The property is on your left. WaterSource: Public Security Features: SmokeDetectors
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The information being provided by Miami Association of REALTORS® is for the consumer's personal, non-commercial use. Any information relating to real estate for sale referenced on this web site comes from the Internet Data Exchange (IDX) program of the Miami Association of REALTORS®. The accuracy of all information is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals. The data contained herein is copyrighted by Miami Association of REALTORS® and is protected by all applicable copyright laws. Any unauthorized dissemination of this information is in violation of copyright laws and is strictly prohibited. Copyright 2026 Miami Association of REALTORS®. All rights reserved.

ByOwner last updated this listing 09/12/2026 @ 15:49

MLS: B26075381 LISTED BY: Dahlia Gotzmann, Atlantic Key Realty Group 772-643-7989 SOURCE: Beaches MLS

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