Indian River County property record for 442 Fleming St, Sebastian, FL 32958
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,035 sqft · built 2006 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $345,000 (Aug 2025) |
| Tax Bill | $2,826 (2025) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage Feb 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-38-01-00003-0890-00016.0 |
| Primary APN | 31-38-01-00003-0890-00016.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,035 sqft Living Area |
| 1st Floor Area | 2,035 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 135 ft deep x 90 ft wide |
| Garage Area | 420 sqft |
| Driveway | Driveway |
| Driveway Area | 704 sqft |
| Porch | Open Porch |
| Porch Area | 132 sqft |
| Patio Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 17204 |
|---|---|
| Street Address | 442 FLEMING ST |
| City | SEBASTIAN |
| State | FL |
| Zip | 32958-4212 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-10 |
| Legal Description | SEBASTIAN HIGHLANDS UNIT 02 BLK 89 LOT 16 PBI 5-34 |
| Legal Range | 38 |
| Legal Township | 31 |
| Legal Section | 01 |
| Legal Subdivision | SEBASTIAN HIGHLANDS UNIT 2 |
| Legal Block | 89 |
| Legal Lot Number | 16 17 |
| Legal Unit | 2 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 50807 |
Source: Indian River County assessment roll, APN 31-38-01-00003-0890-00016.0, as of July 1, 2025 · Last verified March 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 File |
|---|---|
| Mailing Address | 442 FLEMING ST, SEBASTIAN, FL 32958-4212 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 29, 2025 | Warranty Deed, Transfer · FHA Mortgage CONTOUR MORTGAGE CORP |
| Feb 14, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 29, 2025 · Amount on Record |
| Deed Sale | Aug 29, 2025 · Amount on Record |
| Prior Sale | Nov 10, 2014 · Amount on Record |
| Deed Document Number | 3120250043087 |
| Deed Book / Page | 3800 / 2386 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Aug 29, 2025 |
| Property Address | 442 FLEMING ST, SEBASTIAN, FL 32958-4212 |
| Document Number | 0038002386 |
| Book / Page | 3800 / 2386 |
| Map Reference | MB 5 PG 34 |
| Instrument Date | Aug 28, 2025 |
| Instrument | 3120250043087 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2025 |
| Title Company | ALL HMS TITLE LLC, ALL IN TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,415.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1150 CLEARMONT ST, SEBASTIAN, FL 32958-5441 |
| Name | Verified Name |
|---|---|
| Address | 442 FLEMING ST, SEBASTIAN, FL 32958-4212 |
| Document Number | 0038002388 |
|---|---|
| Date | Aug 29, 2025 |
| Instrument | 3800/2388 |
| Name | CONTOUR MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 442 FLEMING ST, SEBASTIAN, FL 32958-4212 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030011047 |
|---|---|
| Date | Feb 14, 2017 |
| Book Page | 3001/1047 |
| Instrument | 3120170008110 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2047 |
Source: Indian River County assessment roll as of July 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Municipality | Sebastian City |
| Unified School District | Indian River County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,826.00 (+4.67%) | $178,962 (+2.9%) | $289,705 (-7.52%) Land $67,626 Building $222,079 |
| 2024 | $2,700.00 (+15.93%) | $173,918 (+3%) | $313,269 (+6.37%) Land $59,670 Building $253,599 |
| 2023 | $2,329.00 (+4.77%) | $168,852 (+3%) | $294,519 (+17.69%) Land $61,261 Building $233,258 |
| 2022 | $2,223.00 | $163,934 | $250,249 Land $33,017 Building $217,232 |
Source: FEMA National Flood Hazard Layer, Indian River County (12061C), as of May 13, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120610508072, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 32 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 32 in force |
| Nearby Flood Claims | 7 (1993–2007) |
| Claims Outside the SFHA | 4 of 7 |
| Most Recent Claim | Oct 2007 · tidal / storm surge |
| Claims by Event |
|
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| 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.
Source: FCC Broadband Data Collection, 445 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Delta Communications Fiber | 7,000 / 7,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
Source: EPA Safe Drinking Water Information System, water system FL3314052, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | INDIAN RIVER COUNTY UTILITIES (2 WTPS) serves 126,893 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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