ActiveSingle Family Residence
404 21st Street SE, Vero Beach, FL 32962
Vero Beach, FL 32962 · MLS #1087444The residence
About this property
RARE 2.75% ASSUMABLE FHA MORTGAGE! Qualified buyers have an incredible opportunity to assume this low-rate loan with a current monthly mortgage payment of approximately $2,150. Welcome to Vero Shores a peaceful, established community near the Indian River, adjacent to the natural beauty of Harmony Oaks Conservation Area, with NO mandatory HOA and the freedom to bring your BOAT, RV & TOYS! This solid CBS 3BR/2BA home offers 1,640 SF and sits on an EXTRA-LARGE .37-ACRE CORNER LOT over 16,000 SF and approximately 140x115! Two driveway access points, a double rolling gate and improved shell/coquina side parking make maneuvering and storing a boat, RV or trailer a breeze. A BRAND-NEW PAVER DRIVEWAY adds beautiful curb appeal. Inside, you'll find a BRAND-NEW guest bathroom renovation featuring tile flooring, new vanity and fixtures. Major improvements offer peace of mind, including a 2018 METAL ROOF, 2018 HVAC, 2022 WATER HEATER and COMPLETE REPLUMB in 2022. Impact-rated doors and garage door add another valuable upgrade. The laundry room has also been improved with an HVAC duct, bringing the space under air. The Florida lifestyle continues out back with an impressive 30x15 SCREENED & COVERED LANAI approximately 450 SF of additional outdoor living and entertaining space featuring a beautiful wood ceiling and commercial fan. The oversized backyard is fully fenced and includes a utility shed for additional storage. Location is another standout! Vero Shores offers a tucked-away residential feel surrounded by some of Vero Beach's natural beauty, with Harmony Oaks Conservation Area nearby, the Indian River just minutes away and easy access to boating, outdoor recreation, shopping, dining and Vero's beautiful beaches. BIG LOT. NO MANDATORY HOA. ROOM FOR THE TOYS. And a 2.75% assumable FHA mortgage opportunity that's nearly impossible to recreate in today's market. FHA loan assumption subject to lender approval and buyer qualification.
At a glance
Property details
- Property type
- Single Family Residence
- Listing type
- For sale
- Status
- Active
- Bedrooms
- 3
- Bathrooms
- 2
- Living area
- 1,640 sq. ft.
- Year built
- 1973
- Lot size
- 16,117 sq. ft.
- Subdivision
- None
- County
- Indian River
- Original list price
- $419,900
- Listing date
- September 12, 2026
- Annual property tax
- $4,549 (2025)
- Listing agent
- Dahlia Marianna Gotzmann
- Listing office
- Atlantic Key Realty group
- MLS number
- 1087444
Neighborhood & location
Explore None
Review nearby homes, local services, commute routes, schools, flood information, and community rules as part of your due diligence. Neighborhood information can change and should be verified with the appropriate local authority.
Schools
School information
- Elementary school
- Other
- Middle school
- Other
- High school
- Other
Plan your purchase
Mortgage calculator
- Principal & interest
- $2,123
- Property taxes
- $379
- Homeowners insurance
- $210
- Estimated total
- $2,712
Estimate only. Taxes, insurance, association fees, PMI, interest rate, and lender terms vary. Confirm the actual payment and closing costs with a licensed mortgage professional. Review Florida mortgage and pre-approval guidance.
Continue your search
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Listing courtesy of Atlantic Key Realty group, 772-643-7989.
Data provided by Space Coast MLS. Information is deemed reliable but is not guaranteed accurate by the MLS and should be independently verified. Property availability, price, and details are subject to change without notice.