Indian River County property record for 13890 Ruffner Ln, Sebastian, FL 32958
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,017 sqft · built 1979 |
| Lot Size | 1.08 acres (47,045 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $567,000 (Sep 2019) |
| Tax Bill | $5,533 (2025) |
| Deeds & Mortgages | Aug 2021 Line of Credit Sep 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-38-25-00009-0001-00003.0 |
| Primary APN | 30-38-25-00009-0001-00003.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,017 sqft Living Area |
| 1st Floor Area | 2,350 sqft |
| 2nd Floor Area | 667 sqft |
| Utility Room | Utility Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Custom Design |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 47,045 sqft (1.08 acres) |
| Lot Dimensions | 262 ft deep x 178 ft wide |
| View / Lot | Interior |
| Garage Type | Carport |
| Garage Area | 480 sqft |
| Carport | Carport |
| Carport Area | 480 sqft |
| Pool Area | 480 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 495 sqft |
| Patio Area | 684 sqft |
| Utility Building | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 13890 RUFFNER LN |
|---|---|
| City | SEBASTIAN |
| State | FL |
| Zip | 32958-3419 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-6 |
| Legal Description | RIVER TREES BLK A LOT 3 & 1/13 INT IN TRACT A PBI 9-24 |
| Legal Range | 38E |
| Legal Township | 30S |
| Legal Section | 25 |
| Legal Subdivision | RIVER TREES |
| Legal Tract | A |
| Legal Block | A |
| Legal Lot Number | 3 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 50808 |
13890 Ruffner Ln is owned and occupied by two individuals who bought it in September 2019.
Source: Indian River County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 13890 RUFFNER LN, SEBASTIAN, FL 32958-3419 |
| 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.
| Date | Document |
|---|---|
| Aug 13, 2021 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Sep 23, 2019 | Warranty Deed, Transfer PROFESSIONAL TITLE/INDIAN RIVE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2019 · Amount on File |
| Deed Sale | Sep 23, 2019 · Amount on File |
| Prior Sale | Jun 7, 2012 · Amount on File |
| Deed Document Number | 201955560 |
| Deed Book / Page | 3240 / 232 |
| Prior Transfer Date | Dec 20, 2005 |
| Prior Transfer Doc | 0019752072 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 13890 RUFFNER LN, SEBASTIAN, FL 32958-3419 |
| Transaction Type | Mortgage |
| Record Updated | Jun 4, 2026 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 13890 RUFFNER LN, SEBASTIAN, FL 32958-3419 |
| Document Number | 0034532005 |
|---|---|
| Date | Aug 13, 2021 |
| Book Page | 3453/2005 |
| Instrument | 3120210057857 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 9, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Sep 23, 2019 |
| Property Address | 13890 RUFFNER LN, SEBASTIAN, FL 32958-3419 |
| Document Number | 0032400232 |
| Book / Page | 003240 / 000232 |
| Instrument Date | Sep 17, 2019 |
| Instrument | 55560 |
| Transaction Type | Transfer |
| Record Updated | Oct 3, 2019 |
| Title Company | PROFESSIONAL TITLE/INDIAN RIVE |
| Amount | Amount on Record |
|---|---|
| Tax | $3,969.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 13890 RUFFNER LN SEBASTIAN FL 329583419, SEBASTIAN, FL 32958-3419 |
The 2025 property tax bill for 13890 Ruffner Ln was $5,533 with a homeowner's exemption.
Source: Indian River County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Unified School District | Indian River County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,533.00 Homeowner's exemption | $383,934 | $521,906 Land $154,244 Building $367,662 |
| 2023 | $4,977.00 (+9.34%) | $362,246 (+3%) | $526,667 (+15.89%) Land $154,244 Building $372,423 |
| 2022 | $4,552.00 | $351,695 | $454,451 Land $111,398 Building $343,053 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13890 Ruffner Ln 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 51 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 93 units insured incl. 42 condo units |
| Nearby Flood Claims | 46 (1984–2011) |
| Claims Outside the SFHA | 28 of 46 |
| Most Recent Claim | Oct 2011 · rainfall accumulation |
| Claims by Event |
|
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 risk around 13890 Ruffner Ln is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 82 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T DSL | 100 / 20 |
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