481 Celtic Ave, Sebastian, FL 32958 Property Records

Indian River County property record for 481 Celtic Ave, Sebastian, FL 32958

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,356 sqft · built 2019
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$262,900 (Mar 2019)
Tax Bill	$4,646 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31-38-13-00001-1920-00001.1`

Property Details

APN / Parcel Number

Primary APN	`31-38-13-00001-1920-00001.1`
Alternative APN	`132023`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,356 sqft Living Area
Gross Area	2,984 sqft
1st Floor Area	2,356 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	139 ft deep x 78.7 ft wide
View / Lot	Interior
Garage Type	Attached
Garage Area	440 sqft
Driveway	Concrete Driveway
Driveway Area	912 sqft
Porch	Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	481 CELTIC AVE
City	SEBASTIAN
State	FL
Zip	32958-4949
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-10
Legal Description	SEBASTIAN HIGHLANDS UNIT 6 PBI 5-93 LOT 1 BLK 192
Legal Range	38E
Legal Township	31S
Legal Section	13
Legal Subdivision	SEBASTIAN HIGHLANDS UNIT 6
Legal Block	192
Legal Lot Number	1
Legal Unit	6
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1055
Census Tract	50806

Owner

481 Celtic Ave is owned and occupied by an individual who bought it in March 2019.

Source: Indian River County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	481 CELTIC AVE, SEBASTIAN, FL 32958-4949
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Mar 5, 2019	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FBC MORTGAGE LLC
Apr 19, 2018	Loan Modification, Mortgage ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2019 · Amount on File
Deed Sale	Mar 5, 2019 · Amount on File
Prior Sale	May 15, 2017 · Amount on File
Deed Document Number	201913090
Deed Book / Page	3188 / 1797
Prior Transfer Date	Dec 14, 2016
Prior Transfer Doc	0029881500
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	481 CELTIC AVE, SEBASTIAN, FL 32958-4949
Transaction Type	Mortgage
Record Updated	Jan 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 CELTIC AVE, SEBASTIAN, FL 32958-4949

Mortgage

Document Number	0034942077
Date	Dec 21, 2021
Book Page	3494/2077
Instrument	3120210087088

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	481 CELTIC AVE, SEBASTIAN, FL 32958-4949
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 CELTIC AVE, SEBASTIAN, FL 32958-4949

Mortgage

Document Number	0033570284
Date	Nov 16, 2020
Book Page	3357/284
Instrument	3120200068867

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2040

March 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Mar 5, 2019
Property Address	481 CELTIC AVE, SEBASTIAN, FL 32958-4949
Document Number	0031881797
Book / Page	3188 / 1797
Map Reference	MB 5 PG 93-97
Instrument Date	Feb 28, 2019
Instrument	3120190013090
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 6, 2021
Title Company	MOSLEY & WALLIS TTL SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,840.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3000 GULF B EZE PARKWAY, 3000, GULF BREEZE, FL 32563

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 CELTIC AVE, SEBASTIAN, FL 32958-4949

Mortgage

Document Number	3120190013091
Date	Mar 5, 2019
Instrument	3120190013091

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2034

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	INDIAN RIVER FL
Property Address	481 CELTIC AVE, SEBASTIAN, FL 32958-4949
Document Number	0031100697
Instrument Date	Apr 19, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3000 GULF BREEZE PKWY GULF BREEZE FL 325635623, GULF BREEZE, FL 32563-5623
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 481 Celtic Ave was $4,646 with a homeowner's exemption.

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	$4,646.00 Homeowner's exemption	$289,281	$391,343 Land $50,722 Building $340,621
2023	$4,002.00 (+4.6%)	$272,939 (+3%)	$382,995 (+23.47%) Land $49,230 Building $333,765
2022	$3,826.00	$264,989	$310,185 Land $31,328 Building $278,857

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 481 Celtic Ave in Zone X, an area of minimal flood risk, though there have been 51 flood claims nearby since 1984.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 121 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	121 in force
Nearby Flood Claims	51 (1984–2016)
Claims Outside the SFHA	5 of 51
Most Recent Claim	Oct 2016 · Hurricane Matthew
Claims by Event	Hurricane Frances, Sep 2004 · 42 claims Hurricane Irene, Oct 1999 · 3 claims

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

Wildfire risk around 481 Celtic Ave is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% 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 416 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

May also be available: Verizon.

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