Indian River County property record for 445 Oak St, Sebastian, FL 32958
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,320 sqft · built 1978 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,330 (2025) |
| Deeds & Mortgages | Sep 2022 Transfer Feb 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-38-01-00002-0370-00002.0 |
| Primary APN | 31-38-01-00002-0370-00002.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,320 sqft Living Area |
| Gross Area | 1,656 sqft |
| 1st Floor Area | 1,320 sqft |
| Utility Room | Utility Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Metal |
| 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 | 336 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 675 sqft |
| Pool Area | 392 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 648 sqft |
| Patio Area | 444 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 445 OAK ST |
|---|---|
| City | SEBASTIAN |
| State | FL |
| Zip | 32958-4351 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-10 |
| Legal Description | SEBASTIAN HIGHLANDS UNIT 01 BLK 37 LOT 2 PBI 5-15 |
| Legal Range | 38E |
| Legal Township | 31S |
| Legal Section | 01 |
| Legal Subdivision | SEBASTIAN HIGHLANDS |
| Legal Block | 37 |
| Legal Lot Number | 2 |
| Legal Unit | 1 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 4 |
| Census Block | 4025 |
| Census Tract | 50808 |
445 Oak St is owned and occupied by two individuals who acquired it in September 2022.
Source: Indian River County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 445 OAK ST, SEBASTIAN, FL 32958-4351 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 22, 2022 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Feb 25, 2019 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 22, 2022 |
| Transfer Doc | 0035721260 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Sep 22, 2022 |
| Property Address | 445 OAK ST, SEBASTIAN, FL 32958-4351 |
| Document Number | 0035721260 |
| Book / Page | 3572 / 1260 |
| Map Reference | MB 5 PG 14 |
| Instrument Date | Sep 22, 2022 |
| Instrument | 3120220057858 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 445 OAK ST, 445, SEBASTIAN, FL 32958-4351 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 445 OAK ST, SEBASTIAN, FL 32958-4351 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 445 OAK ST, SEBASTIAN, FL 32958-4351 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0031861162 |
|---|---|
| Date | Feb 25, 2019 |
| Book Page | 3186/1162 |
| Instrument | 3120190011173 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 445 Oak St was $1,330 with exemptions applied.
Source: Indian River County assessment roll, as of December 8, 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 | $1,330.00 Homeowner's exemption Disabled Person's exemption | $93,310 | $276,067 Land $61,200 Building $214,867 |
| 2023 | $949.00 (-2.27%) | $88,039 (+3%) | $289,844 (+13.04%) Land $56,100 Building $233,744 |
| 2022 | $971.00 | $85,475 | $256,406 Land $39,100 Building $217,306 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 445 Oak St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 File median of 71 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 71 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 risk around 445 Oak St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 262 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 |
May also be available: ClearWave.
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