520 Caroline Dr, Vero Beach FL 32968, VERO BEACH, FL, 32968
Active34 days on marketListed Jul 8, 2026MLS #A12050625
About this home
520 Caroline Dr, Vero Beach FL 32968
NEW CONSTRUCTION, Turn Key and ready to move in , perfect for empty nesters or new families – This luxurious 3BR/3BA waterfront estate in Stoney Brook Farms blends "country quiet" with modern elegance. Highlights include a 3-car garage, private pool, and a high-end outdoor kitchen. The interior is finished with Italian tile, tray ceilings, and a chef’s kitchen featuring Calcutta quartz and a wine/coffee bar. Enjoy extra storage in the custom laundry/pantry suite. Located in a premier Vero Beach community (4.6 stars) next to the Polo fields and just 15 minutes from the Atlantic Ocean.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
3,659
Sqft
3
Garage
2026
Year built
$300
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 and the real association fee — not generic estimates.
$6,951 /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
$6,951/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.
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.
$/sqft vs Vero Beach actives
$300 vs $248
Days on market
34 vs 58 typical
Where $300/sqft sits among the 400 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 Stoney Brook Farm
Get to know Vero Beach. See the full Vero Beach guide →
Stoney Brook Farm — neighborhood snapshot
Population
192
Median age
57
Median income
$52,933
Avg household
2
Households w/ children
12%
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 → $385K
Vero Beach median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
47 of 400
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 100% above the VERO BEACH 32968 median. See the full Vero Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 520 Caroline Dr
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$898,800
550 Stoney Brook Farm Court, Vero Beach FL 32968 · same community
4 bd · 3 ba · 3,422 sqft · $263/sqft · 77 DOM
Sold · Sep ’25$675,000
575 Stoney Brook Farm Court, Vero Beach FL 32968 · same community
3 bd · 3.5 ba · 3,141 sqft · $215/sqft · 28 DOM
Sold · Dec ’25$737,000
8300 Meredith Place, Vero Beach FL 32968 · same community
3 bd · 2.5 ba · 2,621 sqft · $281/sqft · 50 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 520 Caroline Dr — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 520 Caroline Dr — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
520 Caroline Dr FAQs
What would the monthly payment be for 520 Caroline Dr, Vero Beach FL 32968?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,951/mo — principal and interest, the actual property-tax bill, the $320/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 520 Caroline Dr, Vero Beach FL 32968?+
The association fee works out to $320 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 520 Caroline Dr, Vero Beach FL 32968?+
The most recent tax bill on record (2025) was $1,543. 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 $1,099,000, this home is listed about 144% above the Vero Beach median of $450,000. The market section on this page shows how the area is trending.
Which schools are assigned to 520 Caroline Dr, Vero Beach FL 32968?+
Citrus 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.
Keep looking
Similar homes nearby
Listing courtesy of Pena Realty, Inc. · Ralph Pena III. MLS #A12050625.
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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