Indian River County property record for 537 Cavern Ter, Sebastian, FL 32958
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,766 sqft · built 1991 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $235,000 (Sep 2018) |
| Tax Bill | $4,330 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Sep 2018 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-38-25-00001-2830-00021.0 |
| Primary APN | 31-38-25-00001-2830-00021.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,766 sqft Living Area |
| Gross Area | 2,266 sqft |
| 1st Floor Area | 1,766 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Custom Design |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 20,038 sqft (0.46 acres) |
| Lot Dimensions | 125 ft deep x 160 ft wide |
| View / Lot | Interior |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 528 sqft |
| Pool Area | 312 sqft |
|---|---|
| Porch | Screened Porch |
| Porch Area | 164 sqft |
| Patio Area | 773 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 537 CAVERN TER |
|---|---|
| City | SEBASTIAN |
| State | FL |
| Zip | 32958-6546 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-10 |
| Legal Description | SEBASTIAN HIGHLANDS UNIT 11 BLK 283 LOTS 21 & 22 PBI 7-56C |
| Legal Range | 38E |
| Legal Township | 31S |
| Legal Section | 25 |
| Legal Subdivision | SEBASTIAN HIGHLANDS UNIT 11 |
| Legal Block | 283 |
| Legal Lot Number | 21,22 |
| Legal Unit | 11 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 3 |
| Census Block | 3048 |
| Census Tract | 50809 |
Source: Indian River County records, as of December 8, 2025
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 | 537 CAVERN TER, SEBASTIAN, FL 32958-6546 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Sep 10, 2018 | Warranty Deed, Transfer LANDING TITLE AGENCY |
| Apr 6, 2018 | Warranty Deed, Transfer DUSHYANT GULATI |
| Aug 18, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage SUNTRUST MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 10, 2018 · Amount on Record |
| Deed Sale | Sep 10, 2018 · Amount on Record |
| Prior Sale | Apr 6, 2018 · Amount on Record |
| Deed Document Number | 201855228 |
| Deed Book / Page | 3147 / 410 |
| Prior Transfer Date | May 1, 2017 |
| Prior Transfer Doc | 0030491614 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 537 CAVERN TER, SEBASTIAN, FL 32958-6546 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 537 CAVERN TER, SEBASTIAN, FL 32958-6546 |
| Document Number | 0035072245 |
|---|---|
| Date | Feb 2, 2022 |
| Book Page | 3507/2245 |
| Instrument | 3120220006723 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Sep 10, 2018 |
| Property Address | 537 CAVERN TER, SEBASTIAN, FL 32958-6546 |
| Document Number | 0031470410 |
| Book / Page | 003147 / 000410 |
| Instrument Date | Aug 15, 2018 |
| Instrument | 55228 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2018 |
| Title Company | LANDING TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,645.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 537 CAVERN TER SEBASTIAN FL 329586546, SEBASTIAN, FL 32958-6546 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Apr 6, 2018 |
| Property Address | 537 CAVERN TER, SEBASTIAN, FL 32958-6546 |
| Document Number | 0031051717 |
| Book / Page | 003105 / 001717 |
| Instrument Date | Mar 16, 2018 |
| Instrument | 20366 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2020 |
| Title Company | COURTLAND TITLE SERVICES INC, COURTLAND TITLE SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,040.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 455 DOUGLAS AVE #2152-32 ALTAMONTE SPRINGS FL 327145835, 2152-3, ALTAMONTE SPRINGS, FL 32714-5835 |
| Document Number | 31051718 |
|---|---|
| Date | Apr 6, 2018 |
| Book Page | 003105/001718 |
| Instrument | 20367 |
| Name | DUSHYANT GULATI |
|---|---|
| Address | 2207 BELCHERY COURT DR, CLEARWATER, FL 33764-6536 |
| Amount | Amount Recorded |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Aug 18, 2017 |
| Property Address | 537 CAVERN TER, SEBASTIAN, FL 32958-6546 |
| Document Number | 0030491614 |
| Book / Page | 3049 / 1614 |
| Instrument Date | May 1, 2017 |
| Instrument | 3120170048450 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2022 |
| Title Company | ATTORNEY |
| Tax | $0.70 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 537 CAVERN TER, SEBASTIAN, FL 32958-6546 |
| Document Number | 0030491616 |
|---|---|
| Date | Aug 18, 2017 |
| Instrument | 3049/1616 |
| Name | SUNTRUST MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jun 1, 2047 |
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 | $4,330.00 (+16.65%) Homeowner's exemption | $270,156 (+5.99%) | $401,250 (+8.62%) Land $129,200 Building $272,050 |
| 2023 | $3,712.00 (+4.62%) | $254,896 (+3%) | $369,404 (+22.02%) Land $102,000 Building $267,404 |
| 2022 | $3,548.00 | $247,472 | $302,749 Land $63,920 Building $238,829 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 50 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 50 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 422 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 |
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