3500 Ocean Drive # 228, Vero Beach FL 32963, VERO BEACH, FL, 32963
Active43 days on marketListed Jul 1, 2026MLS #B26047629
About this home
3500 Ocean Drive # 228, Vero Beach FL 32963
Income generating Kimpton Condo/Hotel on Ocean Drive, lock-out unit with numerous rental possibilities, 2BR/3BA w/den, family room, full kitchen, dining area, 2 pull-out couches, 3 flat screen TV's, 3 Balconies with ocean views, luxurious master suite, 1575/air, pet friendly, 24/7 fitness center, oceanfront pool & bar/grill, restaurant, White Orchid Day Spa, steps to ocean.
Facts & features
The home at a glance
2
Bedrooms
3
Bathrooms
1,575
Sqft
0 ac
Lot size
2
Garage
2007
Year built
1
Levels
$444
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.
$7,934 /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
$7,934/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
$444 vs $251
Days on market
43 vs 58 typical
Where $444/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 Vero Beach Estates
Get to know Vero Beach. See the full Vero Beach guide →
Vero Beach Estates — neighborhood snapshot
Population
568
Median age
64
Median income
$137,896
Median home value
$987,354
Avg household
2
Households w/ children
17%
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 30% below the VERO BEACH 32963 median. See the full Vero Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 3500 Ocean Drive # 228
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$513,000
3500 Ocean Drive # 310, Vero Beach FL 32963 · same community
2 bd · 2 ba · 1,210 sqft · $424/sqft · 79 DOM
Sold · Feb ’26$1,200,000
4101 OCEAN DRIVE UNIT 5C
2 bd · 2 ba · 1,600 sqft · $750/sqft · 110 DOM
Sold · Jun ’26$458,000
Nearby listing
2 bd · 2 ba · 1,400 sqft · $327/sqft · 7 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 3500 Ocean Drive # 228 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3500 Ocean Drive # 228 — 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
3500 Ocean Drive # 228 FAQs
What would the monthly payment be for 3500 Ocean Drive # 228, Vero Beach FL 32963?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,934/mo — principal and interest, the actual property-tax bill, the $3,126/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 3500 Ocean Drive # 228, Vero Beach FL 32963?+
The association fee works out to $3,126 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3500 Ocean Drive # 228, Vero Beach FL 32963?+
The most recent tax bill on record (2025) was $7,372. 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 3500 Ocean Drive # 228, Vero Beach FL 32963?+
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 Vero Beach?+
At $699,000, this home is listed about 55% 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 3500 Ocean Drive # 228, Vero Beach FL 32963?+
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
01Under the VERO BEACH 32963 market on paper
$699,000 is 30% below the VERO BEACH 32963 median of $999,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $3,126/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong 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.
Keep looking
Similar homes nearby
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®.
Never miss a listing
New Vero Beach homes, in your inbox
Like 3500 Ocean Drive # 228, Vero Beach FL 32963 but not quite? A daily digest of every new listing in Vero Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →