966 E 13th Square, Vero Beach FL 32960, VERO BEACH, FL, 32960
Active47 days on marketListed Jun 16, 2026MLS #B26041672
About this home
966 E 13th Square, Vero Beach FL 32960
Location, location, location! This 3- Bed, 2-Bath, 2-Car Garage concrete block home is situated in the beautiful community of Waterford Lakes. Offering a low HOA, community pool & playground, this home is in a prime location overlooking the lake and just 10 minutes from the beach. You can also enjoy being minutes from shopping, dining, gyms and schools. This home features a 2022 roof, 2019 AC, brand-new range & dishwasher, plantation shutters, new flooring/carpet and so much more. Don't miss your window of opportunity on this one. It is move in ready!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,628
Sqft
0.08 ac
Lot size
2
Garage
2002
Year built
1
Levels
$200
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.
$2,724 /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
$2,724/mo
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.
vs edgeAI estimate
−26.9%
$/sqft vs Vero Beach actives
$200 vs $248
Days on market
47 vs 30 typical
Where $200/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 Waterford Lakes
Get to know Vero Beach. See the full Vero Beach guide →
Waterford Lakes — neighborhood snapshot
Population
1,404
Median age
47
Median income
$84,615
Median home value
$274,900
Avg household
3
Households w/ children
125
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
$330K → $412K
Vero Beach median sold, yr/yr
98.0%
Sale-to-list ratio (12 mo)
60 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 106% 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 966 E 13th Square
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$755,000
2066 SE 5th Ct Court SE, Vero Beach FL 32962
2 bd · 2 ba · 1,655 sqft · $456/sqft · 8 DOM
Sold · Jun ’26$375,000
768 22nd Place, Vero Beach FL 32960
4 bd · 3 ba · 1,677 sqft · $224/sqft · 2 DOM
Sold · May ’26$485,000
Nearby listing
3 bd · 2.5 ba · 1,679 sqft · $289/sqft · 82 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 966 E 13th Square — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 966 E 13th Square — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
966 E 13th Square FAQs
What would the monthly payment be for 966 E 13th Square, Vero Beach FL 32960?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,724/mo — principal and interest, the actual property-tax bill, the $157/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 966 E 13th Square, Vero Beach FL 32960?+
The association fee works out to $157 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 966 E 13th Square, Vero Beach FL 32960?+
The most recent tax bill on record (2025) was $4,205. 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 966 E 13th Square, 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 $324,900, this home is listed about 3% below the Vero Beach median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 966 E 13th Square, Vero Beach FL 32960?+
Vero Beach Elementary School (elementary), Vero Beach High School (high), Gifford Middle School (middle) — 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
$324,900 runs 106% above the VERO BEACH 32960 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $340,000, now $324,900 — a $15K 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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