110 Cardinal Dr, Sebastian, FL 32958 Property Records

Indian River County property record for 110 Cardinal Dr, Sebastian, FL 32958

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,545 sqft · built 1990
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Sep 2026)
Tax Bill	$5,446 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jul 2022 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`31-39-18-00003-5610-00005.0`

Property Details

APN / Parcel Number

Primary APN	`31-39-18-00003-5610-00005.0`
Alternative APN	`33579`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,545 sqft Living Area
Gross Area	2,254 sqft
1st Floor Area	1,545 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2010
Architectural Style	Custom Design
Exterior Material	Wood Sheathing
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
View / Lot	Interior
Garage Type	Attached
Garage Area	529 sqft
Driveway	Concrete Driveway
Driveway Area	960 sqft
Porch	Patio
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	110 CARDINAL DR
City	SEBASTIAN
State	FL
Zip	32958-5205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-10
Legal Description	SEBASTIAN HIGHLANDS UNIT 16 BLK 561 LOT 5 PBI 8-45 TO 45J
Legal Range	39E
Legal Township	31S
Legal Section	18
Legal Subdivision	SEBASTIAN HIGHLANDS UNIT 16
Legal Block	561
Legal Lot Number	5
Legal Unit	16
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1003
Census Tract	50806

Owner

Source: Indian River County records, as of October 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	110 CARDINAL DR, SEBASTIAN, FL 32958-5205
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Special Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 12, 2022	Warranty Deed, Transfer BCHH INC
Jun 3, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Mar 18, 2021	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Aug 26, 2019	Warranty Deed, Transfer · Conventional with PMI OTHER INSTITUTIONAL LENDERS
Jan 12, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2026 · Amount on Record
Deed Sale	Sep 28, 2026 · Amount on Record
Prior Sale	Jul 12, 2022 · Amount on Record
Deed Document Number	202646052
Deed Book / Page	3891 / 1535
Prior Transfer Date	Mar 14, 2008
Prior Transfer Doc	0022530112
Record Updated	Oct 29, 2026

September 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Sep 28, 2026
Property Address	110 CARDINAL DR, SEBASTIAN, FL 32958-5205
Document Number	0000046052
Book / Page	3891 / 1535
Instrument Date	Sep 15, 2026
Instrument	202646052
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	SETTLEMENT SERVICES, BETTERS SETTLEMENT SERVICES LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$208,565.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 CARDINAL DR, SEBASTIAN, FL 32958-5205

Mortgage

Document Number	0000046053,
Date	Sep 28, 2026
Instrument	202646053

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jul 12, 2022
Property Address	110 CARDINAL DR, SEBASTIAN, FL 32958-5205
Document Number	0035551647
Book / Page	3555 / 1647
Map Reference	MB 8 PG 45
Instrument Date	Jul 7, 2022
Instrument	3120220043575
Transaction Type	Transfer
Record Updated	Jul 26, 2022
Title Company	BCHH INC

Transaction

Amount	Amount Recorded
Tax	$2,338.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2071 NW 21ST LN, 2071, GAINESVILLE, FL 32605-3964

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5001 PLAZA ON THE LK STE 200, 200, AUSTIN, TX 78746-1053
Investor	Possibly a Property Investor

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	INDIAN RIVER FL
Recording Date	Jun 3, 2022
Property Address	110 CARDINAL DR, SEBASTIAN, FL 32958-5205
Document Number	0035452159
Book / Page	3545 / 2159
Map Reference	MB 8 PG 45
Instrument Date	May 17, 2022
Instrument	3120220035620
Transaction Type	Transfer
Record Updated	Jun 16, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7335 NW 90TH AVE, 7335, OCALA, FL 34482-1912

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 CARDINAL DR, SEBASTIAN, FL 32958-5205

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Mar 18, 2021
Property Address	110 CARDINAL DR, SEBASTIAN, FL 32958-5205
Document Number	0034000553
Book / Page	3400 / 553
Map Reference	MB 8 PG 45
Instrument Date	Mar 12, 2021
Instrument	3120210018927
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	ALLIANCE TITLE TREASURE COAST, ALLIANCE TTL OF TREASURE COA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,344.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	735 COMMERCE CENTER DR, 735, SEBASTIAN, FL 32958-3149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 CARDINAL DR, SEBASTIAN, FL 32958-5205
Investor	Possibly a Property Investor

Mortgage

Document Number	3400554
Date	Mar 18, 2021
Instrument	3400/554

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Aug 26, 2019
Property Address	110 CARDINAL DR, SEBASTIAN, FL 32958-5205
Document Number	0032331055
Book / Page	003233 / 001055
Instrument Date	Aug 23, 2019
Instrument	50348
Transaction Type	Transfer
Record Updated	Sep 2, 2019
Title Company	PATCH REEF TITLE COMPANY INC, PATCH REEF TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,067.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	110 CARDINAL DR SEBASTIAN FL 329585205, SEBASTIAN, FL 32958-5205

Mortgage

Document Number	32331057
Date	Aug 26, 2019
Book Page	003233/001057
Instrument	50349

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	SAINT PETERSBURG, FL 33747

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	24 Months
Due	Aug 25, 2021

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	110 CARDINAL DR, SEBASTIAN, FL 32958-5205
Document Number	0030880356
Instrument Date	Jan 12, 2018
Transaction Type	Mortgage
Record Updated	Aug 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 CARDINAL DR SEBASTIAN FL 329585205, SEBASTIAN, FL 32958-5205

Mortgage

Document Number	0030880356
Date	Jan 29, 2018
Book Page	003088/000356
Instrument	5031

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 28, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Indian River County assessment roll, as of December 8, 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	$5,446.00 (+8.83%)	$296,026 (+0.53%) Land $44,200 Building $251,826	$296,026 (+0.53%) Land $44,200 Building $251,826
2023	$5,004.00 (+68.31%)	$294,476 (+39.42%) Land $39,780 Building $254,696	$294,476 (+39.42%) Land $39,780 Building $254,696
2022	$2,973.00	$211,211 Land $30,600 Building $180,611	$211,211 Land $30,600 Building $180,611

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 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 Record 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

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

Wildfire Risk	Moderate above 64% of the US · lower than 60% of Florida
Wildfire Likelihood	0.2% 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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