437 Concha Dr, Sebastian, FL 32958 Property Records

Indian River County property record for 437 Concha Dr, Sebastian, FL 32958

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,631 sqft · built 1986
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Mar 2018)
Tax Bill	$2,652 (2025)
Deeds & Mortgages	May 2022 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-38-25-00001-2920-00022.0`

Property Details

APN / Parcel Number

Primary APN	`31-38-25-00001-2920-00022.0`
Alternative APN	`23316`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,631 sqft Living Area
Gross Area	1,871 sqft
1st Floor Area	1,631 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
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 Area	315 sqft
Driveway	Concrete Driveway
Driveway Area	720 sqft
Porch	Screened Porch
Porch Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	437 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 22 PBI 7-56G
Legal Range	38E
Legal Township	31S
Legal Section	25
Legal Subdivision	SEBASTIAN HIGHLANDS UNIT 11
Legal Block	292
Legal Lot Number	22
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 December 8, 2025

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	437 CONCHA DR, SEBASTIAN, FL 32958-6503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Mar 16, 2018	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2018 · Amount on Record
Deed Sale	Mar 16, 2018 · Amount on Record
Prior Sale	Jan 8, 2016 · Amount on Record
Deed Document Number	201815843
Deed Book / Page	3100 / 793
Prior Transfer Date	Dec 20, 2005
Prior Transfer Doc	0019751134
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	437 CONCHA DR, SEBASTIAN, FL 32958-6503
Transaction Type	Mortgage
Record Updated	May 16, 2022
Title Company	PROFESSIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 CONCHA DR, SEBASTIAN, FL 32958-6503

Mortgage

Document Number	0035380198
Date	May 6, 2022
Book Page	3538/198
Instrument	3120220029373

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Mar 16, 2018
Property Address	437 CONCHA DR, SEBASTIAN, FL 32958-6503
Document Number	0031000793
Book / Page	003100 / 000793
Instrument Date	Mar 14, 2018
Instrument	15843
Transaction Type	Transfer
Record Updated	Apr 2, 2018
Title Company	PROFESSIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	437 CONCHA DR SEBASTIAN FL 329586503, SEBASTIAN, FL 32958-6503

Mortgage

Document Number	31000794
Date	Mar 16, 2018
Book Page	003100/000794
Instrument	15844

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 15, 2048

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	$2,652.00 (+22.27%) Homeowner's exemption	$168,464 (+5.99%)	$240,226 (+7.38%) Land $64,600 Building $175,626
2023	$2,169.00 (+4.73%)	$158,949 (+3%)	$223,715 (+18.92%) Land $51,000 Building $172,715
2022	$2,071.00	$154,319	$188,120 Land $31,960 Building $156,160

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 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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