409 Pine St, Sebastian, FL 32958 Property Records

Indian River County property record for 409 Pine St, Sebastian, FL 32958 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,058 sqft · built 1980
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,053 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`31-38-01-00002-0380-00011.0`

Property Details

APN / Parcel Number

Primary APN	`31-38-01-00002-0380-00011.0`
Alternative APN	`16440`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,058 sqft Living Area
Gross Area	1,370 sqft
1st Floor Area	1,058 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Custom Design
Exterior Material	Wood
Construction Type	Wood
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	312 sqft
Driveway	Concrete Driveway
Driveway Area	360 sqft
Porch	Open Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 PINE ST
City	SEBASTIAN
State	FL
Zip	32958-4361
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEBASTIAN HIGHLANDS UNIT 01 BLK 38 LOT 11 PBI 5-15
Legal Range	38E
Legal Township	31S
Legal Section	01
Legal Subdivision	SEBASTIAN HIGHLANDS
Legal Block	38
Legal Lot Number	11
Legal Unit	1
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	4
Census Block	4026
Census Tract	50808

Owner

Source: Indian River County records · APN 31-38-01-00002-0380-00011.0

Assessment roll updated December 8, 2025 · Last verified August 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 File
Mailing Address	409 PINE ST, SEBASTIAN, FL 32958-4361
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Feb 17, 2025
Transfer Doc	0037551819
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	409 PINE ST, SEBASTIAN, FL 32958-4361
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 PINE ST, SEBASTIAN, FL 32958-4361

Mortgage

Document Number	0038342115
Date	Jan 30, 2026
Book Page	3834/2115
Instrument	3120260004439

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	CAMPBELL, CA 95008

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Indian River County records · Assessment roll updated December 8, 2025 · Last verified August 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,053.00 (+45.44%)	$63,767 (+8.44%)	$185,565 (-2.27%) Land $61,200 Building $124,365
2023	$724.00 (+2.55%)	$58,803 (+3%)	$189,870 (+15.68%) Land $56,100 Building $133,770
2022	$706.00	$57,090	$164,130 Land $39,100 Building $125,030

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Indian River County (12061C), updated May 13, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120610508084, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 71 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	71 in force 62 of 71 on primary residences

Wildfire

Wildfire Risk	Low above 5% of the US · above 4% of Florida
Wildfire Likelihood	About 1 in 3,846 per year
Exposure	Direct burnable vegetation at the parcel

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.