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2105 46th Ave, Vero Beach, FL, 32966

3beds
2baths
1,606sqft
$392,000
$244price/sqft
$2,817/moest. monthly cost
$112,680/yrincome needed

About This Home

Charming home in the heart of Vero! This beautifully maintained 3-bed, 2-bath residence features an open floor plan with a split-bedroom layout and a versatile den, perfect for an office or additional living space. Vaulted ceilings and luxury vinyl flooring throughout create a bright, spacious feel. The updated kitchen showcases stainless appliances, while the newly renovated primary bath offers a light, neutral palette and modern finishes. Relax and enjoy the Florida lifestyle in the private backyard and screened patio. Ideally located close to shopping, dining, and Vero’s famous beaches.

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

6/10
7/10
5/10
Vero Beach High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 2009

Materials

  • Roof: Shingle
  • Construction materials: Block,Concrete

Type & Style

  • Home type: SingleFamily
  • Architectural style: One Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Water Heater,Microwave,Range,Refrigerator,Washer
  • Laundry features: Laundry Room

Bedroom

  • Dimensions: 14X12

Bedroom

  • Dimensions: 13X12

Bedroom

  • Dimensions: 13X12

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Den

  • Dimensions: 11X11

Dining Room

  • Dimensions: 9X9

Features

  • Attic,High Ceilings,Pantry,Pull Down Attic Stairs,Split Bedrooms,Vaulted Ceiling(s)
  • Door features: Sliding Doors
  • Window features: Single Hung
  • Flooring: Laminate
  • Attic: Pull Down Stairs

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Ceiling Fan(s),Electric,1 Unit

Interior Area

  • Total interior livable area: 1,606 sqft

Kitchen

  • Dimensions: 15X12

Laundry

  • Dimensions: 9X6

Living Room

  • Dimensions: 14X12

Property

Details

  • Parcel number: 33390400036000100008.0
  • Zoning: ,
  • Zoning description: Residential

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Patio,Screened
  • Exterior features: Fence,Rain Gutters
  • Has view: Yes
  • View description: Garden
  • Waterfront features: None
  • Living area range: 1601-1800

Lot

  • Lot size: 6,969 sqft
  • Features: Few Trees,< 1/4 Acre
  • Lot size dimensions: 70 x 70

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tsunami

FEMA Declared Disasters in Indian River County and Florida

Flood
Hurricane
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,982$23,784
Home Insurance *$281$3,372
Property Taxes $357$4,284
Electricity $197$2,366
Total$2,817$33,804
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,582/yr
40% on housing$84,510/yr
45% on housing$75,120/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.3%
13.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$244This listing

vs Other Active Listings

Avg $/sqft

ZIP 32966$136
Indian River County$316

vs Homes Sold Last Month

Median $/sqft

ZIP 32966$216
Indian River County$239

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-30Listed for sale$399,000
2023-01-31Sold$340,000
2023-01-06Contingent$360,000
2022-11-20Listed for sale$360,000
2009-09-08Sold$146,500

For Sale by Agent

AgentHolly R Gorman
BrokerageOne Sotheby's Int'l Realty

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