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517 Cavern Ter, Sebastian, FL 32958 Property Records

Indian River County property record for 517 Cavern Ter, Sebastian, FL 32958

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,089 sqft · built 1979
Lot Size0.46 acres (20,038 sqft)
Owner2 Individual Names on Record
Last Sale$330,000 (Apr 2022)
Tax Bill$4,947 (2025)
Deeds & MortgagesAug 2026 Mortgage
Sep 2023 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN31-38-25-00001-2830-00024.0

Property Details

APN / Parcel Number

Primary APN31-38-25-00001-2830-00024.0
Alternative APN
  • 23224

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Total Rooms5 Rooms
Stories1 Story
Building Area1,089 sqft Living Area
Gross Area1,509 sqft
1st Floor Area1,089 sqft

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1979
Architectural StyleCustom Design
Exterior MaterialWood
Foundation TypeSlab (Mat/Raft)
Roof TypeGable
Roof MaterialMetal
Lot Area20,038 sqft (0.46 acres)
Lot Dimensions125 ft deep x 160 ft wide
View / LotInterior
Garage TypeAttached
Garage Area420 sqft
DrivewayDriveway
Driveway Area600 sqft

Exterior Amenities

Pool Area448 sqft
PorchPorch
Porch Area357 sqft
Patio Area996 sqft
Utility Building120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address517 CAVERN TER
CitySEBASTIAN
StateFL
Zip32958-6546
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS-10
Legal DescriptionSEBASTIAN HIGHLANDS UNIT 11 BLK 283 LOTS 24 & 25 PBI 7-56C
Legal SubdivisionSEBASTIAN HIGHLANDS UNIT 11
Legal Block283
Legal Lot Number24,25
JurisdictionINDIAN RIVER FL
Township / Civil DivisionVERO BEACH
Census Block Group3
Census Block3048
Census Tract50809

Owner

Source: Indian River County records, as of September 1, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address517 CAVERN TER, SEBASTIAN, FL 32958-6546
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 19, 2026Deed of Trust, Mortgage · FHA Mortgage
LAKEVIEW LOAN SERVICING
Sep 20, 2023Deed of Trust, Mortgage · FHA Mortgage
DEPARTMENT OF HOUSING & URBAN DEV
Apr 26, 2022Warranty Deed, Transfer · FHA Mortgage
NATIONS LENDING CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 26, 2022 · Amount on Record
Deed SaleApr 26, 2022 · Amount on Record
Prior SaleDec 7, 2012 · Amount on Record
Deed Document Number202226788
Deed Book / Page3534 / 1327
Record UpdatedOct 29, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionINDIAN RIVER FL
Recording DateAug 19, 2026
Property Address517 CAVERN TER, SEBASTIAN, FL 32958-6546
Document Number0000039656
Book / Page3883 / 187
Instrument DateAug 12, 2026
Instrument202639656
Transaction TypeMortgage
Record UpdatedSep 9, 2026
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address517 CAVERN TER, SEBASTIAN, FL 32958-6546

Mortgage

Document Number0000039656,
DateAug 19, 2026
Book Page3883/187
Instrument202639656
Lender
NameLAKEVIEW LOAN SERVICING
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 1, 2056
Interest
Max Rate-1%

September 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionINDIAN RIVER FL
Property Address517 CAVERN TER, SEBASTIAN, FL 32958-6546
Transaction TypeMortgage
Record UpdatedOct 5, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address517 CAVERN TER, SEBASTIAN, FL 32958-6546

Mortgage

Document Number0036510294
DateSep 20, 2023
Book Page3651/294
Instrument3120230047901
Lender
NameDEPARTMENT OF HOUSING & URBAN DEV
TypeGovernment Agency
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term481 Months
DueOct 1, 2063

April 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionINDIAN RIVER FL
Recording DateApr 26, 2022
Property Address517 CAVERN TER, SEBASTIAN, FL 32958-6546
Document Number0035341327
Book / Page3534 / 1327
Map ReferenceMB 7 PG 56
Instrument DateApr 26, 2022
Instrument3120220026788
Transaction TypeTransfer
Record UpdatedFeb 14, 2023
Title CompanyHARBOR TITLE AND ESCROW, HARBOR TITLE & ESCROW INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,310.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address597 PERIWINKLE DR, SEBASTIAN, FL 32958-6527

Transferred To (Grantee/Buyer)

NameVerified Name
Address517 CAVERN TER, SEBASTIAN, FL 32958-6546

Mortgage

Document Number0035341329
DateApr 26, 2022
Instrument3534/1329
Lender
NameNATIONS LENDING CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2052

Tax Assessment & Valuation

Source: Indian River County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyIndian River County
MunicipalitySebastian City
Unified School DistrictIndian River County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,947.00 (+15.61%) Homeowner's exemption$307,552 (+5.99%)$318,057 (+9.61%) Land $129,200 Building $188,857
2023$4,279.00 (+386.25%)$290,180 (+244.44%) Land $102,000 Building $188,180$290,180 (+25.08%) Land $102,000 Building $188,180
2022$880.00$84,246$231,991 Land $63,920 Building $168,071

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.

Flood

Source: FEMA National Flood Hazard Layer, effective May 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 50 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies50 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 RiskLow
lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
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 SystemINDIAN RIVER COUNTY UTILITIES (2 WTPS)
serves 126,893 people · EPA ID FL3314052
Water SourceGroundwater
Last State InspectionJun 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting14
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 422 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		2,000 / 250

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