192 N Arbor Lane, Vero Beach FL 32960, VERO BEACH, FL, 32960
Active333 days on marketListed Sep 14, 2025MLS #F10526513
About this home
192 N Arbor Lane, Vero Beach FL 32960
2016 home for the price in Fairlane Harbor a 55+ Community on the Indian River Lagoon. 2/2 furnished with partially enclosed carport, large screened porch, open kitchen. Large master... Fairlane Harbor is pet friendly and has a pool, pickleball court and 2 BBQ areas for socializing and parties. Fitness room, pool table and active clubhouse. only 5 minutes to Downtown Vero or 1.4 miles to the beach... Lot lease community...includes lawn, taxes and living on the river.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,344
Sqft
2016
Year built
1
Levels
$126
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.
$2,587 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$2,743/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$126 vs $251
Days on market
333 vs 58 typical
Where $126/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 Fairlane Harbor
Get to know Vero Beach. See the full Vero Beach guide →
Fairlane Harbor — neighborhood snapshot
Population
335
Median age
37
Median income
$37,664
Median home value
$150,500
Avg household
3
Households w/ children
63%
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)
46 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 8% above the VERO BEACH 32960 median. See the full Vero Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 192 N Arbor Lane
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$150,000
23 S. Harbor, Vero Beach FL 32960 · same community
2 bd · 2 ba · 1,148 sqft · $131/sqft · 145 DOM
Sold · Jun ’26$275,000
1570 6th Avenue, Vero Beach FL 32960
2 bd · 2 ba · 1,305 sqft · $211/sqft · 44 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 192 N Arbor Lane — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 192 N Arbor Lane — 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
192 N Arbor Lane FAQs
What would the monthly payment be for 192 N Arbor Lane, Vero Beach FL 32960?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,587/mo — principal and interest, estimated property taxes, the $1,352/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 192 N Arbor Lane, Vero Beach FL 32960?+
The association fee works out to $1,352 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 192 N Arbor Lane, Vero Beach FL 32960?+
The most recent tax bill on record (2024) was $0. 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 192 N Arbor Lane, Vero Beach FL 32960?+
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 $169,900, this home is listed about 62% below the Vero Beach median of $450,000. The market section on this page shows how the area is trending.
Which schools are assigned to 192 N Arbor Lane, Vero Beach FL 32960?+
Vero Beach High School (high), Beachland Elementary School (elementary), Gifford Middle School (middle) — Indian River County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
02Know the monthly fee
The association fee is $1,352/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
333 days on market against a Vero Beach median of 58 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Vero Beach High School, Beachland Elementary School, Gifford Middle School — Beachland Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $179,900, now $169,900 — a $10K cut. The full history is in the market section below.
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®.
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