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104 Keystone Dr, Sebastian, FL 32958 Property Records

Indian River County property record for 104 Keystone Dr, Sebastian, FL 32958

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,869 sqft · built 2022
Lot Size0.23 acres (10,019 sqft)
Owner2 Individual Names on Record
Last Sale$31,000 (Dec 2019)
Tax Bill$6,334 (2025)
Deeds & MortgagesFeb 2022 Sale & Mortgage
Dec 2019 Loan Modification
+ 1 more
Flood ZoneZone X (minimal risk)
APN31-39-19-00001-5680-00002.0

Property Details

APN / Parcel Number

Primary APN31-39-19-00001-5680-00002.0
Alternative APN
  • 34709

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures7 Plumbing Fixtures
Total Rooms6 Rooms
Stories1 Story
Building Area1,869 sqft Living Area
Gross Area2,521 sqft
1st Floor Area1,869 sqft
FlooringTile
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Exterior MaterialConcrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeHip
Roof MaterialComposition Shingle
Lot Area10,019 sqft (0.23 acres)
Lot Dimensions125 ft deep x 80 ft wide
View / LotInterior
Garage TypeAttached
Garage Area462 sqft
DrivewayDriveway
Driveway Area768 sqft
PorchScreened Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address104 KEYSTONE DR
CitySEBASTIAN
StateFL
Zip32958-6934
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS-10
Legal DescriptionSEBASTIAN HIGHLANDS UNIT 17 BLK 568 LOT 2 PBI 8-46 TO 46P
Legal Range39E
Legal Township31S
Legal Section19
Legal SubdivisionSEBASTIAN HIGHLANDS UNIT 17
Legal Block568
Legal Lot Number2
Legal Unit17
JurisdictionINDIAN RIVER FL
Township / Civil DivisionVERO BEACH
Census Block Group3
Census Block3033
Census Tract50805

Owner

Source: Indian River County records, as of May 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address106 W 5TH ST, RONKONKOMA, NY 11779-3843
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 22, 2022Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
MUTUAL OF OMAHA MORTGAGE INC
Dec 18, 2019Loan Modification, Mortgage
FIFTH THIRD BK
Dec 23, 2019Warranty Deed, Transfer
HB TITLE INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 23, 2019 · Amount on Record
Deed SaleDec 23, 2019 · Amount on Record
Prior SaleSep 30, 2005 · Amount on Record
Deed Document Number201974527
Deed Book / Page3264 / 692
Prior Transfer DateNov 10, 2005
Prior Transfer Doc0019611729
Record UpdatedOct 29, 2026

February 2022: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionINDIAN RIVER FL
Recording DateFeb 22, 2022
Property Address104 KEYSTONE DR, SEBASTIAN, FL 32958-6934
Document Number0035132421
Book / Page3513 / 2421
Map ReferenceMB 8 PG 46
Instrument DateFeb 18, 2022
Instrument3120220011417
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 26, 2024
Title CompanyHB TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,939.70
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2285 W EAU GALLIE BLVD, MELBOURNE, FL 32935-3184

Transferred To (Grantee/Buyer)

NameVerified Name
Address106 W 5TH ST, RONKONKOMA, NY 11779-3843

Mortgage

Document Number0035132423
DateFeb 22, 2022
Instrument3513/2423
Lender
NameMUTUAL OF OMAHA MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2052

December 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionINDIAN RIVER FL
Property Address104 KEYSTONE DR, SEBASTIAN, FL 32958-6934
Document Number0032640694
Instrument DateDec 18, 2019
Transaction TypeMortgage
Record UpdatedJan 16, 2020
Title CompanyHB TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2293 W EAU GALLIE BLVD MELBOURNE FL 329353184, MELBOURNE, FL 32935-3184

Mortgage

Document Number0032640694
DateDec 23, 2019
Book Page003264/000694
Instrument74528
Lender
NameFIFTH THIRD BK
TypeBank
Address199 E MONTGOMERY AVE, ROCKVILLE, MD 20850-2381
Agreement
AmountAmount Recorded

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionINDIAN RIVER FL
Recording DateDec 23, 2019
Property Address104 KEYSTONE DR, SEBASTIAN, FL 32958-6934
Document Number0032640692
Book / Page003264 / 000692
Instrument DateDec 6, 2019
Instrument74527
Transaction TypeTransfer
Record UpdatedJan 14, 2020
Title CompanyHB TITLE INC

Transaction

AmountAmount Recorded
Tax$217.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2293 W EAU GALLIE BLVD MELBOURNE FL 329353184, MELBOURNE, FL 32935-3184

Tax Assessment & Valuation

Source: Indian River County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyIndian River County
MunicipalitySebastian City
Unified School DistrictIndian River County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,334.00 (+9.32%)$349,871 (+1.8%) Land $57,800 Building $292,071$349,871 (+1.8%) Land $57,800 Building $292,071
2023$5,794.00 (+860.86%)$343,671 (+910.8%) Land $48,620 Building $295,051$343,671 (+910.8%) Land $48,620 Building $295,051
2022$603.00$34,000 Land $34,000$34,000 Land $34,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 77 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies77 in force
Nearby Flood Claims53 (1999–2022)
Claims Outside the SFHA12 of 53
Most Recent ClaimNov 2022 · Hurricane Nicole
Claims by Event
  • Hurricane Matthew, Oct 2016 · 3 claims
  • Hurricane Frances, Sep 2004 · 35 claims
  • Hurricane Floyd Major Disaster Declarations, Sep 1999 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemINDIAN RIVER COUNTY UTILITIES (2 WTPS)
serves 126,893 people · EPA ID FL3314052
Water SourceGroundwater
Last State InspectionJun 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting14
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 409 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Fiber · Cable in parts of the area		1,200 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL · Fiber, Fixed Wireless in parts of the area		100 / 20

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