431 Concha Dr, Sebastian, FL 32958 Property Records

Indian River County property record for 431 Concha Dr, Sebastian, FL 32958

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,733 sqft · built 2024
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$489,000 (Aug 2024)
Tax Bill	$562 (2025)
Deeds & Mortgages	Aug 2024 Sale & Mortgage Sep 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`31-38-25-00001-2920-00023.0`

Property Details

APN / Parcel Number

Primary APN	`31-38-25-00001-2920-00023.0`
Alternative APN	`23317`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Building Area	1,733 sqft Living Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Area	638 sqft
Driveway	Driveway
Driveway Area	1,200 sqft
Porch	Open Porch
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	23317
Street Address	431 CONCHA DR
City	SEBASTIAN
State	FL
Zip	32958-6503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-10
Legal Description	SEBASTIAN HIGHLANDS UNIT 11 BLK 292 LOT 23 PBI 7-56G
Legal Range	38
Legal Township	31
Legal Section	25
Legal Subdivision	SEBASTIAN HIGHLANDS UNIT 11
Legal Block	292
Legal Lot Number	23
Legal Unit	11
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	3
Census Block	3017
Census Tract	50809

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	431 CONCHA DR, SEBASTIAN, FL 32958-6503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2024	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage USAA FSB
Sep 28, 2023	Warranty Deed, Transfer PROFESSIONAL TITLE, PROFESSIONAL TTL OF TREASURE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2024 · Amount on Record
Deed Sale	Aug 28, 2024 · Amount on Record
Prior Sale	Sep 16, 2004 · Amount on Record
Deed Document Number	3120240041829
Deed Book / Page	3721 / 63
Record Updated	Jun 8, 2026

August 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Aug 28, 2024
Property Address	431 CONCHA DR, SEBASTIAN, FL 32958-6503
Document Number	0037210063
Book / Page	3721 / 63
Map Reference	MB 7 PG 56,56A-56L
Instrument Date	Aug 26, 2024
Instrument	3120240041829
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 11, 2025
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	$3,423.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	519 S EASY ST, SEBASTIAN, FL 32958-4578

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 CONCHA DR, SEBASTIAN, FL 32958-6503

Mortgage

Document Number	3120240041830
Date	Aug 28, 2024
Instrument	3120240041830

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Sep 28, 2023
Property Address	431 CONCHA DR, SEBASTIAN, FL 32958-6503
Document Number	0036521077
Book / Page	3652 / 1077
Map Reference	MB 7 PG 56,56A-56L
Instrument Date	Sep 19, 2023
Instrument	3120230049011
Transaction Type	Transfer
Record Updated	Jan 26, 2024
Title Company	PROFESSIONAL TITLE, PROFESSIONAL TTL OF TREASURE

Transaction

Amount	Amount Recorded
Tax	$280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	84 W HOFFMAN AVE, LINDENHURST, NY 11757-4010

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 780874, SEBASTIAN, FL 32978-0874

Tax Assessment & Valuation

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 (-1.92%)	$370,359 (+626.19%) Land $41,990 Building $328,369	$370,359 (+626.19%) Land $41,990 Building $328,369
2023	$573.00 (+30.23%)	$51,000 (+59.57%) Land $51,000	$51,000 (+59.57%) Land $51,000
2022	$440.00	$31,960 Land $31,960	$31,960 Land $31,960

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 50 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	50 in force

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	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 360 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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