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$419,900 Sale Pending

  • For Sale
  • Pending
  • Single Family
  • 3 Beds
  • 2 Full Baths
  • 1,640 Sq. Ft.
  • Updated 6 days ago
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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 commercial 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.

Full Property Details for 404 21st St SE

General

  • Price: $419,900
  • Taxes: $4,549 (2025)
  • Status: Pending
  • Type: Single Family
  • Source: Regional
  • MLS ID: B26075381
  • Updated: 9/22/2026
  • Added to Site: 30 day(s) ago

Interior

  • Number of Rooms: 6
  • Interior Features: Breakfast Area, Eat-in Kitchen, Kitchen/Dining Combo, Other, Pantry, Separate Shower, Walk-In Closet(s)
  • Appliances: Dryer, Dishwasher, Electric Range, Microwave, Refrigerator, Washer
  • Furnishings: Unfurnished
  • Flooring: Tile

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2
  • Main Floor Baths: 2

Bedrooms

  • Total Bedrooms: 3
  • Bedrooms Main: 3

Other Rooms

  • Laundry: Laundry Room, In Unit

Additional Information

  • Security/Safety: Smoke Detector(s)

Exterior

  • Exterior Features: Outdoor Living Area, Storage, Room For Pool
  • Porch/Patio/Deck: Patio, Screened

Parking

  • Garage: Yes
  • Attached garage: Yes
  • Garage Spaces: 2
  • Covered Spaces: 2
  • Total Spaces: 2
  • Parking Features: Attached, Boat, Driveway, Garage, Garage Door Opener, Gravel, Open, RV Access/Parking

Location

  • County: Indian River
  • Subdivision: VERO SHORES UNIT 1
  • Driving Directions: From US-1 Turn East onto 21st SE into Vero Shores The property is on your left.
  • Direction Faces: South

School Information

  • Elementary School: Indian River
  • High School: Vero Beach

Community

  • Community Name: 6341 - County Southeast (IR)
  • Pets Allowed: Yes

Heating & Cooling

  • Central air: Yes
  • Air Conditioning: Yes
  • Cooling Type: Central Air, Ceiling Fan(s), Electric
  • Heating Type: Central, Electric

Utilities

  • Sewer: Public Sewer
  • Water: Public
  • Utility Description: Cable Connected, Electricity Connected, Sewer Connected, Water Connected

Structural Information

  • Architectural Style: Ranch
  • Structure Type: House
  • Construction: Block
  • Roof: Metal
  • Windows: Insulated Windows, Storm Window(s)
  • Stories/Levels: 1
  • Building Size: 1640
  • Square Feet: 1,640
  • Sq. Ft. Source: Owner
  • Living Area: 1,640 Sq. Ft.
  • Year Built: 1973
  • Property Condition: Resale, Updated/Remodeled

Additional Structures

  • Other Structures: Shed(s)

Lot Features

  • Property View: Garden, Other
  • Lot Size (Acres): 0.37
  • Lot Dimensions: 140 x 115
  • Frontage: County Road, Asphalt, Paved
  • Road Maintenance: Public Maintained Road
  • Lot Features: Corner Lot, Landscaped, 1/4 to 1/2 Acre Lot
  • Zoning: RS-6
  • Fencing (Description): Fenced

Water Features

  • Water Front View: None

Financial Considerations

  • Assessment Amount: $344,355
  • Tax Amount: $4,549.34
  • Tax Year: 2025
  • Terms: Assumable, Cash, Conventional, FHA, VA Loan

Disclosures and Reports

  • Special Conditions: Standard, Listed As-Is
  • Legal Description: VERO SHORES UNIT 1 BLK 6 LOT 11 PBI 5-52
  • Property ID: 334031000050060000110

Listed by Atlantic Key Realty Group

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Listing agent

— 404 21st St SE —

  • Atlantic Key Realty Group

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 404 21st St SE

School District:Indian River County School District
NameGradesDistance
Indian River Academy
500 20th Street Southwest, Vero Beach, FL 32962
PK-51 mi
Oslo Middle School
480 20th Avenue Southwest, Vero Beach, FL 32962
6-83.1 mi
Vero Beach High School
1707 16th Street, Vero Beach, FL 32960
9-125 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 404 21st St SE Get Price Alerts and Save Property

Date
Details
Price
Change
Source
9/12/2026
Listed
$419,900
-1.2%
MLS
12/14/2023
Sold
$425,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 404 21st St SE

Year
Property Taxes
Change
Tax Assessment
Change
2025
$4,549
3%
$335,302
-1%
2024
$4,403
25%
$338,494
21%
2023
$3,532
2%
$280,165
23%
2021
$3,461
1%
$227,126
-16%
2022
$3,440
-1%
$272,005
40%
2021
$3,461
42%
$194,365
2%
2019
$2,439
131%
$189,995
93%
2018
$1,056
2%
$98,313
2%
2017
$1,036
2%
$96,291
2%
2016
$1,015
-3%
$94,310
1%
2015
$1,044
4%
$93,660
1%
2014
$1,001
3%
$92,920
1%
2013
$975
—
$91,550
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Estimate the Cost for 404 21st St SE

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*These costs are estimates, and the interest rates assume exceptional credit standing.

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with our affiliated lender
NMLS#: 1598647

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Listed by Atlantic Key Realty Group

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404 21st Street SE, Vero Beach, FL 32962 (MLS# B26075381) is a Single Family property with 3 bedrooms and 2 full bathrooms. 404 21st Street SE is currently listed for $419,900 and was received on September 12, 2026. Want to learn more about 404 21st Street SE? Do you have questions about finding other Single Family real estate for sale in Vero Beach? You can browse all Vero Beach real estate or contact a Coldwell Banker agent to request more information.

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