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About this home

Welcome to one of Indian River Club's rarely available golf cottages—a charming, low maintenance retreat priced to sell and offering nearly 2,200 square feet of comfortable living. A first floor primary suite, brand new roof, fresh paint, tile floors, new LED lighting, and hurricane shutters make the home feel fresh, secure, and move in ready. Relax on the covered front or rear porch, both perfect for morning coffee or evening breezes. With four en suite bedrooms—two on each level provides hosting versatility whilst maintaining privacy. A two-car garage, central vacuum, and a welcoming, golf cart friendly community add everyday convenience. Set beside the 10th tee box of the Audubon Certified Indian River Club, residents enjoy immediate eligibility to apply for one of the limited remaining memberships. The course is celebrated as one of the Treasure Coast's finest, and the community is one of the few private clubs that encourages personal golf cart ownership with unlimited trail fee access. Beyond golf, the gated community offers two heated pools, a 24/7 fitness center, pickleball, and a lively social calendar—from nature tours to poker nights. New landscaping completes the picture of a home designed for easy living and effortless enjoyment.

Facts & features

Interior

  • Split Bedroom
  • Other

Exterior

  • On Golf Course

Appliances

  • Electric Water Heater
  • Dishwasher
  • Dryer
  • Microwave
  • Electric Range
  • Refrigerator
  • Washer

Cooling & heating

  • Ceiling Fan(s)
  • Central Air
  • Central

Flooring

  • Carpet
  • Tile

Parking

  • 2 Or More Spaces
  • Detached
  • Driveway
  • No Boats
  • Parking Garage
  • No Rv/Boats

View

  • Golf Course

Community amenities

  • Club Membership Required
  • Community Pool
  • Exercise Room
  • Guard At Gate
  • Pool
  • Private Pool

Security

  • Gated with Guard

Maintenance includes

  • Maintenance Incl Common Area
  • Pest Control Interior
  • Reserve Fund
  • Security

Pets

  • Yes

Construction & roof

  • CBS Construction
  • Frame
  • Frame With Stucco
  • Slab Construction
  • Composition Roll

Assigned schools

High

Vero Beach

School assignments should be independently verified.

Location

814 Carolina Circle, Vero Beach

Mortgage Estimator

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Home priceUSD
Enter as digits, with commas, or shorthand: 1.9M · 1900K · 1,895,000
ZIP codeOrange
Orange County (approximate from ZIP prefix).
Payment typeFinanced
Conventional or jumbo loan, depending on size.
Down payment20% · $90,000
%
$360,000 financed
Loan termyears
Base rate% (760+ band)
Loading current market rate...
Your rate at 740-759:6.995%(base + 0.12%)
Primary residenceNo
No homestead exemption — full property tax applies.
Credit score banddrives rate
Lenders price LLPA adjustments by credit band. See impact panel for monthly + lifetime deltas.
Your finances optional, for DTI
Gross annual income
$
Other monthly debts
$
Household combined pre-tax income and the sum of your monthly debt-service payments (auto loans, student loans, credit-card minimums). We don't count groceries, utilities, or insurance — those don't factor into lender DTI.
Estimated monthly
$3,573
Per month, all-in
67%P&I SHARE
Monthly breakdown
  • Principal & interest$2,39467%
  • Property taxes$2798%
  • Insurance$1915%
  • HOA$70920%

Tax: From listing — annual tax of record.

Insurance: Inland metro — moderate wind exposure, mature market.

Cash & qualification
Cash at closing
$107,131
Income to qualify
$154,000/yr
Credit-score impact

Improving from 740-759 to 760+ would save $29/mo and $10,417 over the life of this loan.

Over the life of the loan
Total paid
$861,797
Total interest
$501,797
Paid off
2056
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