479 Joy Haven Dr, Sebastian, FL 32958 Property Records

Indian River County property record for 479 Joy Haven Dr, Sebastian, FL 32958

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,686 sqft · built 2024
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,000 (Sep 2023)
Tax Bill	$4,819 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Mar 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31-38-25-00001-3630-00044.0`

Property Details

APN / Parcel Number

Primary APN	`31-38-25-00001-3630-00044.0`
Alternative APN	`137361`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,686 sqft Living Area
Gross Area	2,127 sqft
1st Floor Area	1,686 sqft
Flooring	Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Concrete Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
View / Lot	Canal/Waterfront
Garage Type	Attached
Garage Area	441 sqft
Driveway	Driveway
Driveway Area	1,570 sqft
Porch	Open Porch
Porch Area	828 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	479 JOY HAVEN DR
City	SEBASTIAN
State	FL
Zip	32958-6607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-10
Legal Description	SEBASTIAN HIGHLANDS UNIT 11 PBI 7-56 BLK 363 LOT 44
Legal Range	38E
Legal Township	31S
Legal Section	25
Legal Subdivision	SEBASTIAN HIGHLANDS UNIT 11
Legal Block	363
Legal Lot Number	44
Legal Unit	11
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1013
Census Tract	50809

Owner

Source: Indian River County records, as of January 16, 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	PO BOX 780890, SEBASTIAN, FL 32978-0890
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2023	Deed of Trust, Mortgage · Line of Credit MARINE BANK & TRUST COMPANY
Mar 31, 2025	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Sep 6, 2023	Warranty Deed, Transfer PROFESSIONAL TITLE, PROFESSIONAL TTL OF TREASURE
Jul 25, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2023 · Amount on Record
Deed Sale	Sep 6, 2023 · Amount on Record
Prior Sale	Apr 7, 2021 · Amount on Record
Deed Document Number	202345117
Deed Book / Page	3647 / 2454
Prior Transfer Date	Jul 8, 2022
Prior Transfer Doc	0035581773
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	479 JOY HAVEN DR, SEBASTIAN, FL 32958-6607
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1662 N CENTRAL AVE, SEBASTIAN, FL 32958-3808

Mortgage

Document Number	0036662454
Date	Dec 13, 2023
Book Page	3666/2454
Instrument	3120230061378

Lender

Name	MARINE BANK & TRUST COMPANY
Type	Bank
Address	571 BEACHLAND BLVD, VERO BEACH, FL 32963

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2032
Change Frequency	Annually
Min Rate At Change	5.62%
Max Rate At Change	9.62%
Index	Other
Margin	3
Max Rate	12.6%

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	479 JOY HAVEN DR, SEBASTIAN, FL 32958-6607
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	479 JOY HAVEN DR, SEBASTIAN, FL 32958-6607

Mortgage

Document Number	0037642037
Date	Mar 31, 2025
Book Page	3764/2037
Instrument	3120250015610

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Sep 6, 2023
Property Address	479 JOY HAVEN DR, SEBASTIAN, FL 32958-6607
Document Number	0036472454
Book / Page	3647 / 2454
Map Reference	MB 7 PG 56,56A-56I
Instrument Date	Aug 7, 2023
Instrument	3120230045117
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	PROFESSIONAL TITLE, PROFESSIONAL TTL OF TREASURE

Transaction

Amount	Amount Recorded
Tax	$595.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 781222, SEBASTIAN, FL 32978-1222

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 780890, SEBASTIAN, FL 32978-0890

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jul 25, 2022
Property Address	479 JOY HAVEN DR, SEBASTIAN, FL 32958-6607
Document Number	0035581773
Book / Page	3558 / 1773
Map Reference	MB 7 PG 56&56A-56L
Instrument Date	Jul 8, 2022
Instrument	3120220046251
Transaction Type	Transfer
Record Updated	Dec 11, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1669 LACONIA ST, SEBASTIAN, FL 32958-6051

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 781222, SEBASTIAN, FL 32978-1222

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	$4,819.00 (+341.3%) Homeowner's exemption	$299,760 (+340.82%)	$419,648 (+517.13%) Land $68,000 Building $351,648
2023	$1,092.00 (+39.82%)	$68,000 (+37.93%) Land $68,000	$68,000 (+37.93%) Land $68,000
2022	$781.00	$49,300 Land $49,300	$49,300 Land $49,300

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 38 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	38 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 67% of the US · lower than 92% 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.

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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