Indian River County property record for 438 Concha Dr, Sebastian, FL 32958
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,240 sqft · built 1988 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $562 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-38-25-00001-2930-00022.0 |
| Primary APN | 31-38-25-00001-2930-00022.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,240 sqft Living Area |
| 1st Floor Area | 1,240 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Exterior Material | Aluminum Siding |
| Construction Type | Wood Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Area | 400 sqft |
| Driveway | Driveway |
| Driveway Area | 810 sqft |
| Porch | Open Porch |
| Porch Area | 206 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 23341 |
|---|---|
| Street Address | 438 CONCHA DR |
| City | SEBASTIAN |
| State | FL |
| Zip | 32958-6504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-10 |
| Legal Description | SEBASTIAN HIGHLANDS UNIT 11 BLK 293 LOT 22 PBI 7-56G |
| Legal Range | 38 |
| Legal Township | 31 |
| Legal Section | 25 |
| Legal Subdivision | SEBASTIAN HIGHLANDS UNIT 11 |
| Legal Block | 293 |
| Legal Lot Number | 22 |
| Legal Unit | 11 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 50809 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 438 CONCHA DR, SEBASTIAN, FL 32958-6504 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 1994 |
| Deed Sale | Mar 1, 1994 |
| Deed Document Number | 0001011363 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 438 CONCHA DR, SEBASTIAN, FL 32958-6504 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2021 |
| Name | Verified Name |
|---|---|
| Address | 438 CONCHA DR, SEBASTIAN, FL 32958-6504 |
| Document Number | 0034680102 |
|---|---|
| Date | Sep 28, 2021 |
| Book Page | 3468/102 |
| Instrument | 3120210067924 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2036 |
Source: Indian River County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Municipality | Sebastian City |
| Unified School District | Indian River County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $562.00 (+107.38%) | $91,835 (+5.99%) | $239,867 (+0.53%) Land $68,000 Building $171,867 |
| 2023 | $271.00 (+1.5%) | $86,647 (+3%) | $238,614 (+18.07%) Land $68,000 Building $170,614 |
| 2022 | $267.00 | $84,123 | $202,090 Land $49,300 Building $152,790 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 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.
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.
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 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 |
5G (outdoors only) and 4G LTE
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