425 Biscayne Ln, Sebastian, FL 32958 Property Records

Indian River County property record for 425 Biscayne Ln, Sebastian, FL 32958

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,750 sqft · built 1987
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Apr 2024)
Tax Bill	$5,308 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2024 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`31-38-13-00002-2050-00020.0`

Property Details

APN / Parcel Number

Primary APN	`31-38-13-00002-2050-00020.0`
Alternative APN	`19535`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,750 sqft Living Area
Gross Area	2,432 sqft
1st Floor Area	1,750 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2005
Architectural Style	Custom Design
Exterior Material	Wood
Construction Type	Wood
Roof Type	Hip
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	462 sqft
Driveway	Concrete Driveway
Driveway Area	640 sqft
Porch	Screened Porch
Porch Area	330 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	425 BISCAYNE LN
City	SEBASTIAN
State	FL
Zip	32958-5528
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-10
Legal Description	SEBASTIAN HIGHLANDS UNIT 08 BLK 205 LOT 20 PBI 6-12
Legal Range	38E
Legal Township	31S
Legal Section	13
Legal Subdivision	SEBASTIAN HIGHLANDS UNIT 8
Legal Block	205
Legal Lot Number	20
Legal Unit	8
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1045
Census Tract	50806

Owner

425 Biscayne Ln is owned and occupied by an individual who bought it in April 2024.

Source: Indian River County records, as of March 31, 2026

Owner of Record	Individual Name on File
Mailing Address	1054 BARBER ST, SEBASTIAN, FL 32958-5575
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Mar 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Apr 17, 2024	Deed of Trust, Mortgage · Conventional Mortgage SIMPLE HOME LENDING LLC
Feb 5, 2024	Quit Claim Deed, Transfer Quitclaim
Feb 5, 2024	Quit Claim Deed, Transfer · Line of Credit HARD MONEY NJ LLC
Aug 1, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Aug 1, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
May 26, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2024 · Amount on File
Deed Sale	Apr 17, 2024 · Amount on File
Prior Sale	Aug 1, 2023 · Amount on File
Deed Document Number	202418096
Deed Book / Page	3691 / 713
Prior Transfer Date	Feb 2, 2024
Prior Transfer Doc	0036760766
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	425 BISCAYNE LN, SEBASTIAN, FL 32958-5528
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 BISCAYNE LN, SEBASTIAN, FL 32958-5528

Mortgage

Document Number	0038460387
Date	Mar 19, 2026
Book Page	3846/387
Instrument	3120260012873

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2036

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	425 BISCAYNE LN, SEBASTIAN, FL 32958-5528
Transaction Type	Mortgage
Record Updated	May 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1054 BARBER ST, SEBASTIAN, FL 32958-5575

Mortgage

Document Number	0036910715
Date	Apr 17, 2024
Book Page	3691/715
Instrument	3120240018097

Lender

Name	SIMPLE HOME LENDING LLC
Address	17901 HALL RD, MACOMB, MI 48044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

February 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Feb 5, 2024
Property Address	425 BISCAYNE LN, SEBASTIAN, FL 32958-5528
Document Number	0036760766
Book / Page	3676 / 766
Map Reference	MB 6 PG 9
Instrument Date	Feb 2, 2024
Instrument	3120240005165
Transaction Type	Transfer
Record Updated	Feb 29, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 PRESTWICK CIR, VERO BEACH, FL 32967-7514

February 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Feb 5, 2024
Property Address	425 BISCAYNE LN, SEBASTIAN, FL 32958-5528
Document Number	0036760766
Book / Page	3676 / 766
Map Reference	MB 6 PG 9
Instrument Date	Feb 2, 2024
Instrument	3120240005165
Transaction Type	Transfer
Record Updated	May 16, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 PRESTWICK CIR, VERO BEACH, FL 32967-7514

Mortgage

Document Number	3120240010094
Date	Feb 5, 2024
Instrument	3120240010094

Lender

Name	HARD MONEY NJ LLC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Aug 1, 2023
Property Address	425 BISCAYNE LN, SEBASTIAN, FL 32958-5528
Document Number	0036400444
Book / Page	3640 / 444
Map Reference	MB 6 PG 9-14
Instrument Date	Jul 31, 2023
Instrument	3120230039025
Transaction Type	Transfer
Record Updated	May 16, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,785.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11536 S INDIAN RIVER DR, SEBASTIAN, FL 32958-4757

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 PRESTWICK CIR, VERO BEACH, FL 32967-7514

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Aug 1, 2023
Property Address	425 BISCAYNE LN, SEBASTIAN, FL 32958-5528
Document Number	0036400013
Book / Page	3640 / 13
Map Reference	MB 6 PG 9-14
Instrument Date	Jul 31, 2023
Instrument	3120230038918
Transaction Type	Transfer
Record Updated	May 16, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,785.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11536 S INDIAN RIVER DR, SEBASTIAN, FL 32958-4757

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 PRESTWICK CIR, VERO BEACH, FL 32967-7514

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	INDIAN RIVER FL
Recording Date	May 26, 2023
Property Address	425 BISCAYNE LN, SEBASTIAN, FL 32958-5528
Document Number	0036240891
Book / Page	3624 / 891
Map Reference	MB 6 PG 9-14
Instrument Date	May 26, 2023
Instrument	3120230026715
Transaction Type	Transfer
Record Updated	May 16, 2024
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	11536 S INDIAN RIVER DR, SEBASTIAN, FL 32958-4757

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	11536 S INDIAN RIVER DR, SEBASTIAN, FL 32958-4757
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 425 Biscayne Ln was $5,308 with a homeowner's exemption.

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	$5,308.00 Homeowner's exemption	$329,425 Land $57,800 Building $271,625	$329,425 Land $57,800 Building $271,625
2023	$3,962.00 (+12.33%)	$270,493 (+14.69%) Land $56,100 Building $214,393	$270,493 (+14.69%) Land $56,100 Building $214,393
2022	$3,527.00	$235,853 Land $35,700 Building $200,153	$235,853 Land $35,700 Building $200,153

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

Flood

FEMA maps place 425 Biscayne Ln in Zone X, an area of minimal flood risk, though there have been 51 flood claims nearby since 1984.

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
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 425 Biscayne Ln is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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 416 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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