John Carpenter
$544,0003 bd3 ba2,551 sqft$213 /sqft$4,466 /mo all-in ↓

3468 DIAMOND LEAF DRIVE, VERO BEACH, FL, 32966

Active1 days on marketListed Jul 24, 2026MLS #V4949770

Single Family ResidenceHARMONY RESERVE PD PH 1B

Come see it

Upcoming open house

Sat, Jul 25

1:30 PM – 3:30 PM

About this home

3468 DIAMOND LEAF DRIVE

Welcome to Harmony Reserve, one of Vero Beach's premier 55+ communities, offering resort-style amenities including a heated pool, pickleball courts, clubhouse, and an active social calendar. Lawn care is included in the HOA fee. This beautifully maintained 3-bedroom, 3-bath home features over 2,500 square feet of living space and an open floor plan designed for comfortable living and entertaining. The spacious lanai overlooks a peaceful preserve, providing the perfect setting to relax and enjoy nature. Additional features include impact-rated windows and doors, electric roll-down storm screens on the lanai, and a whole-home generator for added peace of mind. Whether you're enjoying quiet mornings on the back porch or connecting with neighbors from the welcoming front porch, this home offers the ideal blend of comfort, security, and lifestyle.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,551

Sqft

0.19 ac

Lot size

2

Garage

2018

Year built

One

Levels

$213

Per sqft

Garden & Trees/Woods view55+ communityPets allowed

Inside

FlooringTile
AppliancesDishwasher · Gas Water Heater · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Walk-In Closet(s)
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionStucco
FoundationSlab
ViewGarden · Trees/Woods
FacesWest
ExteriorSidewalk

Community & fees

HOA fee$321/mo
Taxes (2025)$6,508/yr
PetsYes
CommunityClubhouse · Community Mailbox · Fitness Center · Gated Community - No Guard · Pool

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Natural Gas Connected · Sewer Connected
WaterPublic

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.

$4,466 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,202
FHA mortgage insurance (est.)$241
Property tax — 2025 actual bill$542
HOA fee — from the listing$321
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $19,040Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $19,040
Interest rate6.00%
Loan term

Estimated payment

$4,466/mo

Principal & interest$3,202
FHA mortgage insurance (est.)$241
Property taxes (actual bill)$542
HOA / condo fee$321
Est. insurance$160

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.

Where it sits

Inside Harmony Reserve Pd

Map of 3468 DIAMOND LEAF DRIVE inside its neighborhood boundary

Get to know Vero Beach. See the full Vero Beach guide →

Harmony Reserve Pd — neighborhood snapshot

Population

730

Median age

67

Median income

$71,417

Median home value

$365,500

Avg household

2

Households w/ children

14%

For the school run

Indian River County School District

ElementaryDodgertown Elementary School★★★★★
MiddleStorm Grove Middle School★★★★★
HighVero Beach High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Vero Beach market

Seller’s marketLeans seller4.0 months of inventoryBuyer’s market

$330K$412K

Vero Beach median sold, yr/yr

98.0%

Sale-to-list ratio (12 mo)

Median sold price, Vero Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 73% above the VERO BEACH 32966 median. See the full Vero Beach market guide →

Paper trail

This home's history

Jul 24, 2026Listed at $544,000 · 1 days on market since
2018Built · HARMONY RESERVE PD PH 1B

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.

John Carpenter

Your agent

John Carpenter

CFO/Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 3468 DIAMOND LEAF DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3468 DIAMOND LEAF DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

3468 DIAMOND LEAF DRIVE FAQs

What would the monthly payment be for 3468 DIAMOND LEAF DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,466/mo — principal and interest, the actual property-tax bill, the $321/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 3468 DIAMOND LEAF DRIVE?+

The association fee works out to $321 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3468 DIAMOND LEAF DRIVE?+

The most recent tax bill on record (2025) was $6,508. 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 3468 DIAMOND LEAF DRIVE?+

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 $544,000, this home is listed about 62% 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 3468 DIAMOND LEAF DRIVE?+

Dodgertown Elementary School (elementary), Storm Grove Middle School (middle), Vero Beach High School (high) — 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

$544,000 runs 73% above the VERO BEACH 32966 median — but at 2,551 sqft it's also 65% larger than the typical Vero Beach listing.

02Garden & Trees/Woods views

The garden and trees/woods view is part of what you're buying — views hold value independently of the structure.

03Fresh on the market

Only 1 day on market in a Vero Beach market that averages 30 — if it fits, move quickly.

Listing courtesy of RE/MAX AEROSPACE REALTY · Ellie Chan. MLS #V4949770.

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 Stellar MLS.

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