, VERO BEACH, FL, 32967
Active21 days on marketListed Jun 29, 2026MLS #A12044798
About this home
Fabulous waterfront home in coveted Harbor Island GH. Soaring ceilings, light open floor plan, private dock for 40 boat and new lift All new Impact windows and doors, .3 Brand New AC’s, wonderful guest suite above garage and outdoor space for entertaining and so much more! Sizes are approx/subj to error.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
2,972
Sqft
2
Garage
2000
Year built
$589
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.
$12,022 /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
$12,022/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.
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
$589 vs $245
Days on market
21 vs 30 typical
Where $589/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 Grand Harbor
Get to know Vero Beach. See the full Vero Beach guide →
Grand Harbor — neighborhood snapshot
Population
2,530
Median age
70
Median income
$120,023
Median home value
$480,804
Avg household
2
Households w/ children
62%
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 319% above the VERO BEACH 32967 median. See the full Vero Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$1,730,000
2356 GRAND HARBOR RESERVE SQUARE
3 bd · 3.5 ba · 2,965 sqft · $583/sqft · 187 DOM
Sold · Jun ’26$715,000
Nearby listing
4 bd · 3 ba · 2,624 sqft · $272/sqft · 99 DOM
Sold · Jun ’26$465,000
Nearby listing
3 bd · 2.5 ba · 2,536 sqft · $183/sqft · 35 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
Kat Bonelli
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 Kat'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 $12,022/mo — principal and interest, the actual property-tax bill, the $1,000/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 $1,000 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 $9,156. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Vero Beach?+
At $1,750,000, this home is listed about 422% 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 ?+
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
Four things that matter here
01Positioned at the premium end
$1,750,000 runs 319% above the VERO BEACH 32967 median — but at 2,972 sqft it's also nearly twice the size of the typical Vero Beach listing.
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 $1,000/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.
Keep looking
Similar homes nearby
Listing courtesy of Dale Sorensen Real Estate Inc. · Stacey Morabito. MLS #A12044798.
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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