Indian River County property record for 108 Concha Dr, Sebastian, FL 32958
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,939 sqft · built 2022 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $385,000 (Jan 2023) |
| Tax Bill | $4,225 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Oct 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-38-25-00001-2990-00073.0 |
| Primary APN | 31-38-25-00001-2990-00073.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,939 sqft Living Area |
| Gross Area | 2,380 sqft |
| 1st Floor Area | 1,939 sqft |
| Flooring | Tile |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Dimensions | 125 ft deep x 93 ft wide |
| View / Lot | Canal/Waterfront |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Driveway | Driveway |
| Driveway Area | 576 sqft |
| Porch | Open Porch |
| Deck Area | 121 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 108 CONCHA DR |
|---|---|
| City | SEBASTIAN |
| State | FL |
| Zip | 32958-6214 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-10 |
| Legal Description | SEBASTIAN HIGHLANDS UNIT 11 BLK 299 LOT 73 PBI 7-56J |
| Legal Range | 38E |
| Legal Township | 31S |
| Legal Section | 25 |
| Legal Subdivision | SEBASTIAN HIGHLANDS UNIT 11 |
| Legal Block | 299 |
| Legal Lot Number | 73 |
| Legal Unit | 11 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 50809 |
Source: Indian River County records, as of April 15, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 108 CONCHA DR, SEBASTIAN, FL 32958-6214 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 2, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Oct 30, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jan 3, 2023 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 3, 2023 · Amount on Record |
| Deed Sale | Jan 3, 2023 · Amount on Record |
| Deed Document Number | 2023137 |
| Deed Book / Page | 3592 / 1617 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Apr 2, 2026 |
| Property Address | 108 CONCHA DR, SEBASTIAN, FL 32958-6214 |
| Document Number | 0000015448 |
| Book / Page | 3849 / 2043 |
| Instrument Date | Mar 4, 2026 |
| Instrument | 202615448 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 108 CONCHA DR, SEBASTIAN, FL 32958-6214 |
| Document Number | 0000015448, |
|---|---|
| Date | Apr 2, 2026 |
| Book Page | 3849/2043 |
| Instrument | 202615448 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 321 Months |
| Due | Jan 1, 2053 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 108 CONCHA DR, SEBASTIAN, FL 32958-6214 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2024 |
| Name | Verified Name |
|---|---|
| Address | 108 CONCHA DR, SEBASTIAN, FL 32958-6214 |
| Document Number | 0036582196 |
|---|---|
| Date | Oct 30, 2023 |
| Book Page | 3658/2196 |
| Instrument | 3120230054422 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | CORAOPOLIS, PA 15108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 351 Months |
| Due | Jan 1, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Jan 3, 2023 |
| Property Address | 108 CONCHA DR, SEBASTIAN, FL 32958-6214 |
| Document Number | 0035921617 |
| Book / Page | 3592 / 1617 |
| Map Reference | MB 7 PG 56&56A-56L |
| Instrument Date | Dec 30, 2022 |
| Instrument | 3120230000137 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 26, 2024 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,695.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1430 CULVER DR NE, PALM BAY, FL 32907-1132 |
| Name | Verified Name |
|---|---|
| Address | 108 CONCHA DR, SEBASTIAN, FL 32958-6214 |
| Document Number | 0035921618 |
|---|---|
| Date | Jan 3, 2023 |
| Instrument | 3592/1618 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2053 |
Source: Indian River County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Municipality | Sebastian City |
| Unified School District | Indian River County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,225.00 (+19.89%) Homeowner's exemption | $263,790 (+8.45%) | $348,643 (+3.37%) Land $71,160 Building $277,483 |
| 2023 | $3,524.00 (+256.32%) | $243,240 (+324.32%) | $337,290 (+488.39%) Land $71,160 Building $266,130 |
| 2022 | $989.00 | $57,324 Land $57,324 | $57,324 Land $57,324 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective May 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 50 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 50 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | INDIAN RIVER COUNTY UTILITIES (2 WTPS) serves 126,893 people · EPA ID FL3314052 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 14 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.
Source: FCC Broadband Data Collection, based on 239 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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