David Ramirez
$469,0003 bd2 ba1,518 sqft$309 /sqft$3,494 /mo all-in ↓

166 23RD AVENUE, VERO BEACH, FL, 32962

Active151 days on marketListed Feb 24, 2026MLS #O6385273

Private poolSingle Family ResidenceINDIAN RIVER HEIGHTS

About this home

166 23RD AVENUE

Imagine life without the "cookie-cutter" compromise Nestled on the Vero mainland, this isn't just a house; it’s a retreat designed for those who value character and room to breathe. While much of Florida feels crowded, this property offers a rare tropical paradise where mornings begin with rustling palms and evenings are spent entertaining under the stars. A Home with Soul & Character Step through the foyer and feel the warmth. Unlike modern builds that can feel cold and repetitive, this living space is anchored by a magnificent wood-burning stone fireplace—the ultimate centerpiece for cozy Florida winters. Look up to find natural wood plank ceilings and custom finishes that lend a rustic elegance you won't find in a standard subdivision. Chef’s Kitchen: A masterclass in detail featuring granite countertops, high-end stainless steel, and custom-lit cabinetry that illuminates the tumbled marble backsplash. The Entertainer’s Lanai: Slide back the doors to the heartbeat of the home. An enormous covered, screened lanai featuring a shimmering Diamond Brite pool—perfect for summer BBQs and year-round relaxation. The Rarest Opportunity: A Double-Lot Estate Perhaps the most incredible feature is the additional full-size buildable lot included with the home. In a market where privacy is the ultimate luxury, this adjacent land offers endless potential: Ultimate Privacy: Maintain your sprawling, one-acre tropical estate. Future Expansion: Perfect for a detached guest house, "mother-in-law" suite, or professional studio. Savvy Investment: Build a second home to sell or hold the land for future appreciation. Functional Luxury & Storage This home is as practical as it is beautiful. The oversized master suite features three closets, while the 2.5-car garage and separate workshop provide ample space for boats, motorcycles, or a high-end hobby shop. Property Quick-Facts: Location: Mainland Vero Beach (10-15 mins to the beach—no high-rises, no rush!) The Build: 3 Bed / 2 Bath | 1,520 Sq. Ft. of pure charm. The Land: Includes a Second Buildable Lot. Garage: 2.5 Car + Separate Workshop. Key Features: Stone Fireplace, Wood Ceilings, Granite Kitchen, Screened Pool. Don't settle for ordinary. Experience the true character of Vero Beach. ---

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,518

Sqft

0.23 ac

Lot size

2

Garage

1982

Year built

One

Levels

$309

Per sqft

Private pool

Inside

FlooringTile · Vinyl
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Refrigerator
InteriorHigh Ceilings · Open Floorplan · Primary Bedroom Main Floor
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionWood Frame
FoundationBlock
FacesSouthwest
ExteriorGarden · Hurricane Shutters · Private Yard · Sidewalk

Community & fees

Taxes (2025)$4,387/yr
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesCable Available · Electricity Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,494 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,761
FHA mortgage insurance (est.)$207
Property tax — 2025 actual bill$366
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,415Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $16,415
Interest rate6.00%
Loan term

Estimated payment

$3,494/mo

Principal & interest$2,761
FHA mortgage insurance (est.)$207
Property taxes (actual bill)$366
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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

$309 vs $245

Days on market

151 vs 30 typical

Where $309/sqft sits among the 400 Vero Beach actives

232
85 · this home
26
11
17
29
$139–263$263–387$387–512$512–636$636–760$760+

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 4th St

Map of 166 23RD AVENUE inside its neighborhood boundary

Get to know Vero Beach. See the full Vero Beach guide →

4th St — neighborhood snapshot

Population

1,342

Median age

44

Median income

$81,344

Median home value

$284,527

Avg household

3

Households w/ children

107

For the school run

Indian River County School District

ElementaryCitrus Elementary School★★★★★
MiddleOslo Middle School★★★★★
HighVero Beach High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Vero Beach market

Seller’s marketLeans seller4.0 months of inventoryBuyer’s market

$330K$412K

Vero Beach median sold, yr/yr

98.0%

Sale-to-list ratio (12 mo)

61 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 171% above the VERO BEACH 32962 median. See the full Vero Beach market guide →

Paper trail

This home's history

Feb 24, 2026Listed at $469,000 · 151 days on market since
1982Built · INDIAN RIVER HEIGHTS

Reality check

What actually sold near 166 23RD AVENUE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1760 TEE DEE LANESold · Aug ’25

$280,000

1760 TEE DEE LANE · same community

4 bd · 2 ba · 1,610 sqft · $174/sqft · 94 DOM

341 11th Avenue, Vero Beach FL 32962Sold · May ’26

$370,000

341 11th Avenue, Vero Beach FL 32962 · same community

3 bd · 2 ba · 1,382 sqft · $268/sqft · 90 DOM

Nearby listingSold · Oct ’25

$350,000

Nearby listing · same community

3 bd · 2 ba · 1,378 sqft · $254/sqft · 104 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 166 23RD AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 166 23RD AVENUE — 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.

Goes straight to David’s phone and CRM.

Straight answers

166 23RD AVENUE FAQs

What would the monthly payment be for 166 23RD AVENUE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,494/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 166 23RD AVENUE?+

The most recent tax bill on record (2025) was $4,387. 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 166 23RD AVENUE?+

The listing reports pets: Cats OK, Dogs OK. 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 $469,000, this home is listed about 40% above the Vero Beach median of $335,000. The market section on this page shows how the area is trending.

Which schools are assigned to 166 23RD AVENUE?+

Citrus Elementary School (elementary), Oslo Middle School (middle), Vero Beach High School (high) — Indian River County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$469,000 runs 171% above the VERO BEACH 32962 median.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Time on market is leverage

151 days on market against a Vero Beach median of 30 — sellers in this position are usually ready to negotiate.

Listing courtesy of TRUDEALS REALTY CORP · Candace Garber. MLS #O6385273.

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 Stellar MLS.

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