, INDIAN RIVER SHORES, FL, 32963
Active414 days on marketListed Jun 4, 2025MLS #R11096700
About this home
Experience luxury coastal living in this beautifully remodeled direct oceanfront residence. A private elevator opens to breathtaking ocean views that grace the living, dining, kitchen & primary suite. Enjoy a gas fireplace, family rm & chef's island kitchen w/top-of-the-line appliances. The primary suite w/his & her baths & custom closets. 1,400 sq. ft. of covered balconies w/private walking access to the beach, impact glass, 2 car air-conditioned garage. Resort-style amenities including 24-hour security, clubhouse, fitness rm, pool, tennis & private beach access. Sizes approx./subj. to error.
Facts & features
The home at a glance
4
Bedrooms
5.5
Bathrooms
4,372
Sqft
0 ac
Lot size
2
Garage
2001
Year built
4
Levels
$777
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.
$28,050 /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
$28,050/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.
Where it sits
Inside Carlton Vero Beach
Carlton Vero Beach — neighborhood snapshot
Population
134
Median age
73
Median income
$131,719
Median home value
$964,700
Avg household
2
Households w/ children
6%
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 INDIAN RIVER SHORES 32963 market
This home is listed 240% above the INDIAN RIVER SHORES 32963 median.
Paper trail
This home's history
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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
FAQs
What would the monthly payment be for ?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $28,050/mo — principal and interest, the actual property-tax bill, the $6,466/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 ?+
The association fee works out to $6,466 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on ?+
The most recent tax bill on record (2025) was $21,981. 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 ?+
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 INDIAN RIVER SHORES 32963?+
At $3,395,000, this home is listed about 240% above the INDIAN RIVER SHORES 32963 median of $999,000. The market section on this page shows how the area is trending.
Which schools are assigned to ?+
Gifford Middle School (middle), Beachland Elementary School (elementary), Vero Beach High School (high) — Indian River County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$3,395,000 runs 240% above the INDIAN RIVER SHORES 32963 median.
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 $6,466/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong assigned schools
Gifford Middle School, Beachland Elementary School, Vero Beach High School — Beachland Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $3,500,000, now $3,395,000 — a $105K cut. The full history is in the market section below.
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®.