Vero Beach, Florida, offers a captivating blend of seaside splendor and a vibrant community spirit. Located along the Atlantic shore, this charming town invites residents and visitors alike to indulge in its natural beauty and warm
climate year-round. From sun-dappled beaches to picturesque parks, Vero Beach provides an enticing escape from the hustle and bustle of city life.
Strolling through Vero Beach, you'll find an array of delightful boutiques and cozy cafés, showcasing the town's unique character and charm. The local culture is rich and diverse, with a thriving arts scene, including galleries and theatres that resonate with creativity and inspiration.
Vero Beach
Hello Vero Beach, Florida • Fall Issue |5
Vero Beach is more than just a destination; it's a community that warmly welcomes outsiders to become insiders.
Life here is characterized by a laid-back atmosphere infused with opportunities for adventure. Explore the Indian River Lagoon, where kayaking and paddleboarding offer a chance to see wildlife up close. For golf enthusiasts, the lush, green courses provide a perfect backdrop for a round with friends or family.
With its friendly neighbors, scenic views, and a never-ending calendar of festivals and events, Vero Beach is a delightful place to call home. Discover the harmonious blend of relaxation and excitement that makes this Floridian gem shine bright.
Vero Beach
Vero Beach: Your Sunshine Sojourn Awaits
Vero Beach, Florida, offers a captivating blend of seaside splendor and a vibrant community spirit. Located along the Atlantic shore, this charming town invites residents and visitors alike to indulge in its natural beauty and warm climate year-round. From sun-dappled beaches to picturesque parks, Vero Beach provides an enticing escape from the hustle and bustle of city life.
Strolling through Vero Beach, you'll find an array of delightful boutiques and cozy cafés, showcasing the town's unique character and charm. The local culture is rich and diverse, with a thriving arts scene, including galleries and theatres that resonate with creativity and inspiration. Vero Beach is more than just a destination; it's a community that warmly welcomes outsiders to become insiders.
Life here is characterized by a laid-back atmosphere infused with opportunities for adventure. Explore the Indian River Lagoon, where kayaking and paddleboarding offer a chance to see wildlife up close. For golf enthusiasts, the lush, green courses provide a perfect backdrop for a round with friends or family.
With its friendly neighbors, scenic views, and a never-ending calendar of festivals and events, Vero Beach is a delightful place to call home. Discover the harmonious blend of relaxation and excitement that makes this Floridian gem shine bright.
Florida’s Homestead Exemption Protects Homeowners & Saves Them Money
Florida’s homestead exemption is a key component of property ownership in the state, offering significant financial and legal protection for qualifying homeowners. For residents of Indian River County, understanding how the exemption works can lead to both immediate tax relief and long-term security.
At
its core, homestead exemption reduces the assessed value of a primary residence for property tax purposes. Homeowners who occupy their property as a permanent residence on or before January 1 of the tax year may qualify for an exemption of up to $50,000. The first $25,000 applies to all property taxes,
6 | HelloVero Beach, Florida • Fall Issue
Florida’s Homestead Exemption Protects Homeowners & Saves Them Money
Florida’s homestead exemption is a key component of property ownership in the state, offering significant financial and legal protection for qualifying homeowners. For residents of Indian River County, understanding how the exemption works can lead to both immediate tax relief and long-term security.
At its core, homestead exemption reduces the assessed value of a primary residence for property tax purposes. Homeowners who occupy their property as a permanent residence on or before January 1 of the tax year may qualify for an exemption of up to $50,000. The first $25,000 applies to all property taxes, including school district levies, while the second $25,000 applies only to non-school taxes.
This reduction in taxable value directly lowers the annual property tax bill. In a county where real estate values have steadily appreciated, homestead exemption remains one of the few mechanisms that provides year-over-year relief for long-term residents.
Beyond its financial benefit, homestead exemption offers substantial legal protection. Florida’s constitution shields homesteaded properties from forced sale by creditors, with limited exceptions such as mortgage foreclosure, tax liens, or construction-related debts. This legal safeguard can provide homeowners with an added layer of stability in times of financial hardship.
Perhaps less commonly understood is the Save Our Homes provision, which caps the annual increase in assessed value at 3 percent — or the percentage change in the Consumer Price Index, whichever is lower — for homesteaded properties. This cap helps ensure that property taxes remain manageable even in years of rapid market appreciation.
To qualify, applicants must file with the county property appraiser, typically by March 1 of the year in which they are seeking exemption and provide documentation proving permanent residency such as a Florida driver’s license or voter registration.
In Indian River County, where homeownership is often a long-term commitment, homestead exemption serves as both a financial planning tool and a legal shield. For buyers, it is a benefit to factor into cost-of-living calculations; for current residents, it is an asset worth maintaining and understanding fully.
Alex MacWilliam
mechanisms that provides year-over-year relief for long-term residents.
Beyond its financial benefit, homestead exemption offers substantial legal protection. Florida’s constitution shields homesteaded properties from forced sale by creditors, with limited exceptions such as mortgage foreclosure, tax liens, or construction-related debts. This legal safeguard can provide homeowners with an added layer of stability in times of financial hardship.
Perhaps less commonly understood is the Save Our Homes provision, which caps the annual increase in assessed value at 3 percent — or the percentage...
including school district levies, while the second $25,000 applies only to non-school taxes.
This reduction in taxable value directly lowers the annual property tax bill. In a county where real estate values have steadily appreciated, homestead exemption remains one of the few
Homestead exemption reduces the assessed value of a primary residence for property tax purposes.
About the Author
Alex MacWilliam IV is the fourth-generation leader of Vero Beach’s oldest family-run real estate firm, continuing a tradition of excellence started in 1949. As managing broker, he brings decades of local expertise and deep community roots to every transaction.
HelloVero Beach, Florida • Fall Issue |7
Coastal Real Estate: What Every Buyer Should Know
Owning a luxury home near the coast is a dream for many. However, purchasing coastal real estate requires careful due diligence. Buyers should not only consider location and amenities, but also be aware of the environmental, regulatory, and structural complexities that come with waterfront living.
The
first consideration is flood risk. Properties located in designated flood zones are subject to both regulatory requirements and higher insurance premiums. Buyers should consult FEMA flood maps and local zoning regulations to understand the specific flood zone designation of a prospective property. These zones
8 | HelloVero Beach, Florida • Fall Issue
Coastal Real Estate: What Every Buyer Should Know
Owning a luxury home near the coast is a dream for many. However, purchasing coastal real estate requires careful due diligence. Buyers should not only consider location and amenities, but also be aware of the environmental, regulatory, and structural complexities that come with waterfront living.
The first consideration is flood risk. Properties located in designated flood zones are subject to both regulatory requirements and higher insurance premiums. Buyers should consult FEMA flood maps and local zoning regulations to understand the specific flood zone designation of a prospective property. These zones can affect not only the cost of insurance, but also whether certain types of construction or renovation are allowed.
Hurricane impact zones are another critical factor. In Florida and other coastal states, areas prone to high wind and storm surge face stricter building codes and often require elevated construction to meet local ordinances. Buyers must check elevation certificates and determine whether a property complies with the latest storm-resistant standards. Luxury homes that do not meet these standards may require costly retrofits.
Flood and windstorm insurance are not optional expenses — they can emerge as essential protections for coastal homeowners.
These insurance policies can vary widely in cost depending on the property's location, elevation, and building materials. Prospective buyers should obtain insurance quotes early in the process to fully understand their financial obligations beyond the purchase price.
Additionally, coastal luxury properties are subject to specific construction codes designed to protect both people and ecosystems. These include limitations on shoreline modifications, setbacks from dunes or wetlands, and materials that minimize environmental impact. Maintenance needs are also more demanding due to salt air, high humidity, and potential erosion. Roofs, windows, and exterior finishes must be evaluated for durability in a coastal climate.
Responsible coastal development means respecting the delicate balance between human use and conservation. Nature-friendly choices in site planning and materials can help protect local ecosystems and reduce long-term risks.
By asking the right questions and conducting thorough research, buyers can enjoy the rewards of coastal living while safeguarding their investment and the environment.
Ben Bryk
often require elevated construction to meet local ordinances. Buyers must check elevation certificates and determine whether a property complies with the latest storm-resistant standards. Luxury homes that do not meet these standards may require costly retrofits.
Flood and windstorm insurance are not optional expenses — they can emerge as essential protections for coastal homeowners.
These insurance policies can vary widely in cost depending on the property's location, elevation, and building materials. Prospective buyers should obtain insurance quotes early in the process to fully...
can affect not only the cost of insurance, but also whether certain types of construction or renovation are allowed.
Hurricane impact zones are another critical factor. In Florida and other coastal states, areas prone to high wind and storm surge face stricter building codes and
Flood and windstorm insurance are not optional expenses — they can emerge as essential protections for coastal homeowners.
About the Author
Ben Bryk is a seasoned real estate professional with over 18 years of experience in Vero Beach, Florida. Originally from Connecticut and holding a Bachelor of Science in Management, he transitioned from a successful advertising career to real estate, specializing in luxury properties.
HelloVero Beach, Florida • Fall Issue |9
Myth vs. Fact: Implants Hurt More Than They Help
When it comes to dental implants, one of the most persistent misconceptions is that the procedure is unbearably painful. This belief often discourages patients from considering what is, in reality, a reliable and comfortable long-term solution for tooth replacement. Understanding the clinical facts can help
clarify what patients can realistically expect from implant treatment.
The idea that dental implants are extremely painful is a myth. In truth, most patients report that the level of discomfort during and after implant placement is comparable to, or even less than, that experienced during a routine
10 | HelloVero Beach, Florida • Fall Issue
Myth vs. Fact: Implants Hurt More Than They Help
When it comes to dental implants, one of the most persistent misconceptions is that the procedure is unbearably painful. This belief often discourages patients from considering what is, in reality, a reliable and comfortable long-term solution for tooth replacement. Understanding the clinical facts can help clarify what patients can realistically expect from implant treatment.
The idea that dental implants are extremely painful is a myth. In truth, most patients report that the level of discomfort during and after implant placement is comparable to, or even less than, that experienced during a routine tooth extraction. This is largely due to modern surgical techniques, localized anesthesia, and the availability of sedation options, all of which are carefully managed to reduce stress and pain throughout the process.
During the procedure, the surgical area is fully anesthetized, and many patients choose to undergo sedation to ease anxiety and remain comfortable. Postoperative soreness is typically mild and short-lived. Most individuals return to normal activities within a day or two, managing discomfort with over-the-counter pain relief.
What often goes unrecognized is the long-term comfort that implants provide. Unlike removable dentures, which can cause irritation, slipping, or pressure on the gums, implants integrate with the jawbone and function much like natural teeth. They eliminate the sore spots and dietary limitations that can accompany traditional prosthetics.
In addition, dental implants help preserve the jawbone by stimulating bone tissue, preventing the resorption that often occurs after tooth loss. This structural benefit not only contributes to oral health but also supports facial aesthetics over time.
It’s important to acknowledge that any surgical procedure carries some degree of recovery, but in the case of implants, the benefits, including stability, durability, and natural function, often outweigh the temporary discomfort.
Dispelling the myth about pain allows patients to approach implant dentistry with realistic expectations and greater confidence. The decision to replace missing teeth with implants is not simply about appearance; it is about restoring long-term comfort, function, and oral health.
Dr. Norman D. Knowles
and many patients choose to undergo sedation to ease anxiety and remain comfortable. Postoperative soreness is typically mild and short-lived. Most individuals return to normal activities within a day or two, managing discomfort with over-the-counter pain relief.
What often goes unrecognized is the long-term comfort that implants provide. Unlike removable dentures, which can cause irritation, slipping, or pressure on the gums, implants integrate with the jawbone and function much like natural teeth. They eliminate the sore spots and dietary limitations that can accompany traditional...
tooth extraction. This is largely due to modern surgical techniques, localized anesthesia, and the availability of sedation options, all of which are carefully managed to reduce stress and pain throughout the process.
During the procedure, the surgical area is fully anesthetized,
What often goes unrecognized is the long-term comfort that implants provide.
About the Author
Dr. Norman D. Knowles is a highly experienced dentist and owner of Art of Smiles in Vero Beach, Florida. With a Doctor of Dental Medicine (D.M.D.) degree from the University of Florida and over 30 years in practice, he specializes in implant and sedation dentistry, offering personalized care with advanced technology to ensure patient comfort and satisfaction
HelloVero Beach, Florida • Fall Issue |11
Featured Story
What to Know About Jumbo Loans
Jumbo loans are a specific type of mortgage used to finance homes that exceed the conforming loan limits established by federal housing agencies. These limits vary by region, but once a property’s price surpasses them, standard loans no longer apply. For buyers considering higher-end homes, jumbo loans offer
the financing needed to cover that gap. However, the qualification standards are stricter than with traditional loans.
Applicants typically need an excellent credit profile to be considered for a jumbo loan. Scores in the mid-700s or higher are generally required, along with a detailed review of income
12 | HelloVero Beach, Florida • Fall Issue
What to Know About Jumbo Loans
Jumbo loans are a specific type of mortgage used to finance homes that exceed the conforming loan limits established by federal housing agencies. These limits vary by region, but once a property’s price surpasses them, standard loans no longer apply. For buyers considering higher-end homes, jumbo loans offer the financing needed to cover that gap. However, the qualification standards are stricter than with traditional loans.
Applicants typically need an excellent credit profile to be considered for a jumbo loan. Scores in the mid-700s or higher are generally required, along with a detailed review of income history and employment stability. Lenders also expect larger down payments, often around 20%, and substantial cash reserves to demonstrate financial reliability. This ensures the borrower can manage not only the mortgage but also the additional costs that come with owning a high-value property.
Since jumbo loans are not backed by government agencies, lenders assume more risk and therefore require more from borrowers in return. The underwriting process tends to be longer, with more documentation needed to confirm financial standing. Buyers should be prepared to provide tax returns, bank statements, asset lists, and sometimes even letters of explanation for large transactions or changes in income.
Jumbo loans can still be advantageous despite the hurdles. Interest rates are often competitive, sometimes mirroring those of conventional loans, depending on the borrower’s profile and the lender. For individuals in the market for homes with unique features or in upscale neighborhoods, jumbo loans offer the flexibility to finance what may not be available within traditional loan parameters.
Beyond the loan itself, buyers should account for the added financial responsibility that typically accompanies luxury properties. Insurance premiums, property taxes, and maintenance costs tend to be higher, and should be considered early in the planning process.
Understanding the role of jumbo loans in today’s housing market is key for anyone exploring premium real estate. They are an important tool for qualified buyers, but they require careful preparation and a clear financial strategy to navigate successfully.
Clay Collins
property.
Since jumbo loans are not backed by government agencies, lenders assume more risk and therefore require more from borrowers in return. The underwriting process tends to be longer, with more documentation needed to confirm financial standing. Buyers should be prepared to provide tax returns, bank statements, asset lists, and sometimes even letters of explanation for large transactions or changes in income.
Jumbo loans can still be advantageous despite the hurdles. Interest rates are often competitive, sometimes mirroring those of conventional loans, depending on the borrower’s...
history and employment stability. Lenders also expect larger down payments, often around 20%, and substantial cash reserves to demonstrate financial reliability. This ensures the borrower can manage not only the mortgage but also the additional costs that come with owning a high-value
Since jumbo loans are not backed by government agencies, lenders assume more risk and therefore require more from borrowers in return.
About the Author
Clay Collins, a Central Florida resident since 1973, holds a BS in Business Administration from the University of Florida and an MBA from Rollins College. With over 41 years in banking—more than 35 of those in residential mortgages—and access to nearly 70 national lenders, he delivers concierge-level mortgage financing tailored to each client’s needs
HelloVero Beach, Florida • Fall Issue |13
Hometown Heroes celebrates the brave men and women from Vero Beach who answered the call to serve. They left their homes, families, and communities to defend our freedoms. They brought with them the values of their upbringing, woven into the fabric of the communities they cherished. Across generations, these heroes stood united, embodying courage, sacrifice, and a love of country that knows no bounds. Whether on land, sea, or in
the skies, they carried the spirit of their hometowns with them, facing challenges with unyielding resolve and selflessness. We honor their service, their legacy, and the communities that raised them. Today, we remember not just their dedication but the strength and unity that bind us all as Americans. Their stories are our stories, a testament to the enduring spirit of the United States and the bonds that make us strong.
Hometown Heroes
16 | HelloVero Beach, Florida • Fall Issue
Hometown Heroes
Hometown Heroes celebrates the brave men and women from Vero Beach who answered the call to serve. They left their homes, families, and communities to defend our freedoms. They brought with them the values of their upbringing, woven into the fabric of the communities they cherished. Across generations, these heroes stood united, embodying courage, sacrifice, and a love of country that knows no bounds. Whether on land, sea, or in the skies, they carried the spirit of their hometowns with them, facing challenges with unyielding resolve and selflessness. We honor their service, their legacy, and the communities that raised them. Today, we remember not just their dedication but the strength and unity that bind us all as Americans. Their stories are our stories, a testament to the enduring spirit of the United States and the bonds that make us strong.
Proudly Partnering with the National League of Cities and the U.S. Conference of Mayors
At HelloNation, we are honored to serve as America’s Video Magazine, bringing to life the stories of over 40,000 towns and cities across the country. Our mission is to celebrate the vibrancy, culture, and opportunities in every community, creating a digital platform that informs, inspires, and connects residents, businesses, and newcomers alike.
We are deeply proud to have the support and endorsement of two of the
nation’s most respected organizations: the National League of Cities (NLC) and the U.S. Conference of Mayors. Through their partnership, the NLC and the U.S. Conference of Mayors affirm their confidence in HelloNation’s vision and our shared belief in the power of storytelling to highlight the unique character of each community.
Their words underscore the importance of our mission: to make every town and city visible on the national stage, highlighting what makes each one special and worth exploring. Together, with the National League of Cities and the U.S. Conference of Mayors, we are committed to ensuring that every community in America has a voice and a platform to shine. Thank you for supporting our journey as we bring local stories to life, one video at a time.
These influential entities advocate tirelessly on behalf of America’s cities, towns, and villages, representing every community and ensuring their voices are heard on a national scale.
HelloNation
22 | HelloVero Beach, Florida • Fall Issue
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Hello Vero Beach, Florida • Fall Issue |23
These influential entities advocate tirelessly on behalf of America’s cities, towns, and villages, representing every community and ensuring their voices are heard on a national scale.
