403 21st Place SE · Vero Beach, FL 32962

$450,000

For sale by owner
Vero Shores, Vero Beach, FL

403 21st Place SE

A 1958 solid concrete-block pool home, updated for the way Florida lives now: new metal roof, full hurricane protection, a heated saltwater pool, a large fenced yard, and a double-car garage.

3 bed · 2 bath Heated saltwater pool Terrazzo floors Large fenced yard Double-car garage 0.35-acre lot No HOA

$450,000 · $347 / sq ft Schedule a showing

What sets it apart

Six reasons this house is easy to own

Most homes of this era come with a list of things to fix. This one comes with a list of things already done.

New metal roof, 25-year warranty

A recent standing-metal roof that helps lower wind insurance and outlasts shingles for decades.

Full hurricane protection

Impact-rated double-car garage doors plus shutters throughout. Closed up and storm-ready in minutes.

Heated saltwater pool

A 15×30 in-ground pool with a 2020 heat pump, efficient variable-speed pump, and a 2024 saltwater system.

No HOA

No monthly dues and no restrictions in Vero Shores. You decide how the property gets used.

Terrazzo floors throughout

Original poured terrazzo, the durable, cool-underfoot mid-century floor that's back in style.

Renovated kitchen

Gas range, stainless appliances, soft-close custom cabinets, walk-in pantry. Furniture available. Move in and unpack.

Built for the Florida that matters

The boxes insurers and inspectors look for, already checked

The hardest part of owning a Florida home right now is insuring it. This one was updated with exactly that in mind.

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New metal roof with a 25-year warranty, a key factor in wind-mitigation pricing.
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FEMA Flood Zone X: the minimal-risk flood zone, so flood insurance isn't federally required (real savings for Florida buyers).
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Impact garage doors & shutters for full-perimeter storm protection.
✓
Solid CBS construction (concrete block & stucco). Original 1958 bones, built to last.
✓
200-amp electrical service updated in 2020.
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Main water line re-piped in 2018 with a new shut-off valve.
✓
New energy-efficient water heater, recently installed, so it's one less item for a lender or inspector to flag.

Take a look

Inside and out

A few highlights below.

The details

Features & updates

Interior

Terrazzo floors throughout
Renovated kitchen: gas range, new LG smart microwave, stainless appliances, soft-close custom cabinets
R/O water filtration & walk-in pantry
Separate laundry room with washer & dryer
High ceilings, bright and airy living spaces
Furniture available (negotiable)

Outdoor

15×30 heated saltwater pool (2020 heat pump · 2024 salt system)
Screened patio with ceiling fan
Large private fenced backyard
0.35-acre lot (120 × 130 ft)
Attached insulated 2-car garage

Systems & structure

New metal roof (25-year warranty)
Full hurricane protection (impact garage doors & shutters)
Solid CBS (concrete block & stucco)
200-amp electrical (2020)
Main line re-piped 2018, new shut-off valve
Central A/C & heat · public water & sewer
New energy-efficient water heater

At a glance

Type: Single-family residence, one story
Built: 1958
Beds / baths: 3 / 2
Living area: 1,298 sq ft
Neighborhood: Vero Shores
Zoning: RS-6 · No HOA
Flood zone: X (minimal-risk area, so lenders generally don't require flood insurance)

Honest math

What it costs to own

No HOA dues, and a structure already updated where insurers care most.

$450K

List price

HOA dues

~$4,900

Annual property tax (2025)

0.35 ac

Lot with room for the pool & more

Good to know

Common questions

Is it expensive to insure?

This home was updated where Florida insurers look hardest: a new metal roof, impact garage doors and shutters, and solid block construction. A wind-mitigation report is available on request. Just ask and we'll share it.

Does it really have no HOA?

Correct. No HOA dues and no rental restrictions. You have full freedom over how you use the home, whether year-round, seasonal, or as a rental.

What's included in the sale?

Kitchen appliances, washer and dryer, and the pool equipment convey. Furniture is available and negotiable.

What financing do you accept?

Cash and conventional financing welcome. We're happy to share comparable sales and recent updates to help your lender's appraisal.

Can my agent represent me?

Absolutely. Buyers' agents are welcome. Have them reach out to coordinate a showing and terms.

How do I see it?

Call or text to set up a private showing, or tap the email button below and we'll get back to you quickly.

The setting

Vero Shores, a waterfront canal community

An established waterfront canal neighborhood, with the beaches, restaurants, and stores all a short drive away.

Quick access to US-1 and either Fort Pierce or Hutchinson Island
Minutes to grocery, dining, and services
Assigned schools: Indian River Academy (PK–5), Oslo Middle, Vero Beach High

Open in Google Maps

Sold directly by the owner

Come see it in person

Reach out to schedule a private showing or ask anything about the home. Buyers' agents are welcome.

Listed by owner, Holley Bennett · MLS #R11116334 (BeachesMLS)