I used to dive Vero beach all the time. From 1/4 mile south of Sebastian inlet all the way to Ft. Pierce inlet (and beyond) you'll find broken spotty reefs and ledges in water from 10 to 30 ft, from 50 to 250 yards off the beach.
There are numerous types of fish, mostly yellowtail snapper, mangrove snapper, margates, big angels, and big sheepshead. Sometimes you'll see an occasional grouper, but don't get your hopes up on a legal sized one. There are a lot of lobster out there, too.
The trick is finding the right time to dive the spots. When there is waves from north swells of these winter-time frontal systems, the vis goes to crap. Wait a couple of days where the seas subside to virtually calm, and you'll find 5-10 vis quickly. The couple of days of calm rarely comes in the winter. During the summer you can see the reef from the beach, and the vis is great.
Many spots between Wabasso and Vero. I recommend spots north of Wabasso, particularly in the area between the mansion with the blue-tiled roof and the white picket fence of the horse farm. Some very close and accessible spots.
Hope this helps.