Just Listed
Address
404 21st Street Se, Vero Beach, FL
Price
$ 419,900
Property Attributes
- MLS#B26075381
- TypeSingle Family
- Listing Status Active
- CountyIndian River
- CityVero Beach
- Area6341 - County Southeast (IR)
- NeighborhoodVERO SHORES UNIT 1
- Zip32962
- Style
- Year Built1973
- Taxes$ 4549
- Price$ 419,900
- Bedrooms3
- Full Bathrooms2
- Half Bathrooms0
- Sqr Footage1640
- Lot Size0.37 Acres
Data Source:
Beaches MLS (FL)
Property Description
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 commercial 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.
| Elementary School | High School |
|---|---|
| Indian River Elementary School | Vero Beach High School |
| Price History | |
|---|---|
| 9/12/2026 | Listed $419,900 |
General Features
| Membership Required | false |
|---|---|
| Membership Description | No Membership Available |
| Sewer | Public Sewer |
| Heating | Central,Electric |
| Cooling | Central Air,Ceiling Fan(s),Electric |
| Utilities | Cable Connected,Electricity Connected,Sewer Connected,Water Connected |
| Possession | Close Of Escrow,Negotiable |
| Roof | Metal |
| Appliances | Dryer,Dishwasher,Electric Range,Microwave,Refrigerator,Washer |
| Garage Spaces | 2 |
| Patio/Porch Features | Patio,Screened |
| Architectural Style | Ranch |
| Security Features | Smoke Detector(s) |
| Construction Materials | Block |
| Pets Allowed | No Pet Restrictions,Yes |
| Year Built | 1973 |
| View | Garden,Other |
| Stories Count | 1 |
| Levels | One |
| Property Subtype | Single Family Residence |
| Tax Year | 2025 |
| Waterfront Features | None |
| Accessibility | None |
| County | Indian River |
| New Construction | false |
| Property Type | Residential |
| Attached Garage | true |
| Subdivision Name | VERO SHORES UNIT 1 |
| Facing Direction | South |
| Garage Y/N | true |
| Other Structures | Shed(s) |
| Total Rooms | 6 |
| Full Baths | 2 |
| Status | Active |
| Directions | From US-1 Turn East onto 21st SE into Vero Shores The property is on your left. |
| High School | Vero Beach |
| City | Vero Beach |
| Senior Community Y/N | false |
| MLS Area | 6341 - County Southeast (IR) |
| Carport Y/N | false |
| Elementary School | Indian River |
| Tax Annual Amount | 4549.34 |
| Property Condition | Resale,Updated/Remodeled |
| MLS Area Minor | INRV - Indian River |
| Virtual Tour | https://www.zillow.com/view-imx/5bebf72e-8780-47be-a193-3f39d984898d?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard |
| Standard Status | Active |
| Occupancy Type | Vacant |
| Property Sub Type Additional | Single Family Residence |
| PostalCity | Vero Beach |
| Legal Description | VERO SHORES UNIT 1 BLK 6 LOT 11 PBI 5-52 |
Interior Features
| Interior Amenities | Breakfast Area,Eat-in Kitchen,Kitchen/Dining Combo,Other,Pantry,Separate Shower,Walk-In Closet(s) |
|---|---|
| Flooring | Tile |
| Furnished Y/N | Unfurnished |
| Total Stories | 1 |
| Air Conditioning Y/N | true |
| Heating Y/N | true |
| Window Features | Insulated Windows,Storm Window(s) |
| Fireplace Y/N | false |
| Laundry Features | Laundry Room,In Unit |
| Total Bedrooms | 3 |
| Main Level Bedrooms | 3 |
| Main Level Bathrooms | 2 |
| Total Baths | 2 |
Exterior Features
| Exterior Amenities | Outdoor Living Area,Storage,Room For Pool |
|---|---|
| Fencing | Fenced |
| Parking Features | Attached,Boat,Driveway,Garage,Garage Door Opener,Gravel,Open,RV Access/Parking |
| Lot Features | Corner Lot,Landscaped,1/4 to 1/2 Acre Lot |
| Water Source | Public |
| Total Parking | 2 |
| Lot Size Area | 16117.2 |
| Foundation Details | Slab |
| Building Area Total | 1640 |
| Lot Dimensions | 140x115 |
| Lot Size Acres | 0.37 |
| Road Surface Type | Asphalt,Paved |
| Waterfront Y/N | false |
| Covered Spaces | 2 |
| Road Frontage Type | County Road |
| Road Responsibility | Public Maintained Road |
Amenities
- Foreclosure
- Views
- Short Sale
- New Construction
- Adult 55+
- Lease To Own
- No HOA Fees
- Furnished
- Primary On Main
- Air Conditioning
- Seller Finance
- Green
- Fixer Upper
- Horse
- Golf
- Fireplace
- Deck
- Garage
- Basement
- Pool
Property vs Single Family Average in 32962
Price
Taxes
Year Built
Copyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law.
Data Last Updated: September 13, 2026 3:14 PM UTC
Palm Beach Board of Realtors MLS® (PBBORMLS) All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating
