, INDIAN RIVER SHORES, FL, 32963
Active99 days on marketListed Apr 14, 2026MLS #B26015289
About this home
Coastal living just a stone's throw from the ocean. This light-filled 3br/3ba home features an open layout with spacious living areas and seamless indoor-outdoor flow. The kitchen offers ample storage, ideal for everyday living or entertaining. Generous bedrooms provide comfortable retreats, including a private primary suite. Enjoy outdoor space perfect for relaxing or hosting. Conveniently located near beaches, dining, and shopping, this property is ideal as a primary residence, seasonal getaway, or investment opportunity. Sizes are approx/subj to error.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,847
Sqft
0.55 ac
Lot size
2
Garage
1994
Year built
1
Levels
$755
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.
$9,196 /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
$9,196/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.
vs edgeAI estimate
+88.6%
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 INDIAN RIVER SHORES 32963
INDIAN RIVER SHORES 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 INDIAN RIVER SHORES 32963 market
This home is listed 40% above the INDIAN RIVER SHORES 32963 median.
Paper trail
This home's history
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 — 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
Pick a day that works — this goes straight to David's phone and CRM.
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 $9,196/mo — principal and interest, the actual property-tax bill, the $172/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 $172 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 $9,764. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at ?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in INDIAN RIVER SHORES 32963?+
At $1,395,000, this home is listed about 40% above the INDIAN RIVER SHORES 32963 median of $999,000. 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
01Positioned at the premium end
$1,395,000 runs 40% above the INDIAN RIVER SHORES 32963 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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 $1,495,000, now $1,395,000 — a $100K cut. The full history is in the market section below.
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®.