109 Conover Ave, Sebastian, FL 32958 Property Records

Indian River County property record for 109 Conover Ave, Sebastian, FL 32958

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,440 sqft · built 1981
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Oct 2012)
Tax Bill	$562 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-39-18-00003-5620-00005.0`

Property Details

APN / Parcel Number

Primary APN	`31-39-18-00003-5620-00005.0`
Alternative APN	`33606`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gambrel
Roof Material	Metal
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Area	273 sqft
Driveway	Driveway
Driveway Area	400 sqft
Porch	Open Porch
Porch Area	186 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	33606
Street Address	109 CONOVER AVE
City	SEBASTIAN
State	FL
Zip	32958-5207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-10
Legal Description	SEBASTIAN HIGHLANDS UNIT 16 BLK 562 LOT 5 PBI 8-45 TO 45J
Legal Range	39
Legal Township	31
Legal Section	18
Legal Subdivision	SEBASTIAN HIGHLANDS UNIT 16
Legal Block	562
Legal Lot Number	5
Legal Unit	16
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1008
Census Tract	50806

Owner

109 Conover Ave is owned and occupied by an individual who bought it in October 2012.

Source: Indian River County records, as of March 5, 2026

Owner of Record	Individual Name on File
Mailing Address	109 CONOVER AVE, SEBASTIAN, FL 32958-5207
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 26, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2012 · Amount on File
Deed Sale	Oct 16, 2012 · Amount on File
Deed Document Number	2245195
Deed Book / Page	2614 / 1815
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	109 CONOVER AVE, SEBASTIAN, FL 32958-5207
Transaction Type	Mortgage
Record Updated	Jul 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CONOVER AVE, SEBASTIAN, FL 32958-5207

Mortgage

Document Number	0035550329
Date	Jul 8, 2022
Book Page	3555/329
Instrument	3120220043126

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	109 CONOVER AVE, SEBASTIAN, FL 32958-5207
Transaction Type	Mortgage
Record Updated	Aug 6, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CONOVER AVE, SEBASTIAN, FL 32958-5207

Mortgage

Document Number	0034471182
Date	Jul 26, 2021
Book Page	3447/1182
Instrument	3120210053406

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 109 Conover Ave was $562.

Source: Indian River County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Indian River County
Municipality	Sebastian City
Unified School District	Indian River County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$562.00	$200,595 Land $44,200 Building $156,395	$200,595 Land $44,200 Building $156,395
2023	$271.00 (-88.78%)	$200,599 (+17.52%) Land $39,780 Building $160,819	$200,599 (+17.52%) Land $39,780 Building $160,819
2022	$2,415.00	$170,691 Land $30,600 Building $140,091	$170,691 Land $30,600 Building $140,091

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

Flood

FEMA maps place 109 Conover Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 121 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	121 in force
Nearby Flood Claims	51 (1984–2016)
Claims Outside the SFHA	5 of 51
Most Recent Claim	Oct 2016 · Hurricane Matthew
Claims by Event	Hurricane Frances, Sep 2004 · 42 claims Hurricane Irene, Oct 1999 · 3 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

Wildfire risk around 109 Conover Ave is low, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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