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577 Ray St, Sebastian, FL 32958 Property Records

Indian River County property record for 577 Ray St, Sebastian, FL 32958

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,626 sqft · built 2022
Lot Size0.23 acres (10,019 sqft)
Owner2 Company Names on Record
Last Sale$370,700 (Apr 2022)
Tax Bill$5,705 (2025)
Deeds & MortgagesApr 2022 Sale & Mortgage
Jan 2021 Loan Modification
+ 1 more
Flood ZoneZone X (minimal risk)
APN31-38-01-00003-0940-00005.0

Property Details

APN / Parcel Number

Primary APN31-38-01-00003-0940-00005.0
Alternative APN
  • 17279

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures7 Plumbing Fixtures
Total Rooms7 Rooms
Stories1 Story
Building Area1,626 sqft Living Area
Gross Area2,346 sqft
1st Floor Area1,626 sqft
FlooringTile
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Exterior MaterialConcrete Block
Roof TypeHip
Roof MaterialComposition Shingle
Lot Area10,019 sqft (0.23 acres)
Lot Dimensions125 ft deep x 80 ft wide
View / LotInterior
Garage TypeAttached
Garage Area720 sqft
DrivewayDriveway
Driveway Area1,500 sqft
Pool Area416 sqft
PorchOpen Porch
Patio Area702 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address577 RAY ST
CitySEBASTIAN
StateFL
Zip32958-4245
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS-10
Legal DescriptionSEBASTIAN HIGHLANDS UNIT 02 BLK 94 LOT 5 PBI 5-35
Legal Range38E
Legal Township31S
Legal Section01
Legal SubdivisionSEBASTIAN HIGHLANDS UNIT 2
Legal Block94
Legal Lot Number5
Legal Unit2
JurisdictionINDIAN RIVER FL
Township / Civil DivisionVERO BEACH
Census Block Group2
Census Block2023
Census Tract50807

Owner

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 Record2 Company Names on Record
Mailing Address577 RAY ST, SEBASTIAN, FL 32958-4245
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
Apr 4, 2022Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
SHELTER MORTGAGE COMPANY LLC
Jan 14, 2021Loan Modification, Mortgage · Line of Credit
FIFTH THIRD BK
Jan 19, 2021Warranty Deed, Transfer
FIRST INT'L TITLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 4, 2022 · Amount on Record
Deed SaleApr 4, 2022 · Amount on Record
Prior SaleJan 19, 2021 · Amount on Record
Deed Document Number202221492
Deed Book / Page3527 / 1581
Last Transfer DateJul 3, 2024
Transfer Doc0037101433
Record UpdatedJun 8, 2026

April 2022: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionINDIAN RIVER FL
Recording DateApr 4, 2022
Property Address577 RAY ST, SEBASTIAN, FL 32958-4245
Document Number0035271581
Book / Page3527 / 1581
Map ReferenceMB 5 PG 34-37
Instrument DateMar 31, 2022
Instrument3120220021492
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 26, 2024
Title CompanyHB TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,594.90
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2285 W EAU GALLIE BLVD, MELBOURNE, FL 32935-3184

Transferred To (Grantee/Buyer)

NameVerified Name
Address64006 GARRETT HILL RD, SAINT CLAIRSVILLE, OH 43950-9487

Mortgage

Document Number0035271583
DateApr 4, 2022
Instrument3527/1583
Lender
NameSHELTER MORTGAGE COMPANY LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2052

January 2021: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionINDIAN RIVER FL
Property Address577 RAY ST, SEBASTIAN, FL 32958-4245
Document Number0033782237
Instrument DateJan 14, 2021
Transaction TypeMortgage
Record UpdatedFeb 18, 2021
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2293 W EAU GALLIE BLVD MELBOURNE FL 329353184, MELBOURNE, FL 32935-3184

Mortgage

Document Number0033782237
DateJan 19, 2021
Book Page003378/002237
Instrument3622
Lender
NameFIFTH THIRD BK
TypeBank
AddressROCKVILLE, MD 20850
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionINDIAN RIVER FL
Recording DateJan 19, 2021
Property Address577 RAY ST, SEBASTIAN, FL 32958-4245
Document Number0033782234
Book / Page003378 / 002234
Instrument DateJan 14, 2021
Instrument3621
Transaction TypeTransfer
Record UpdatedFeb 2, 2021
Title CompanyFIRST INT'L TITLE

Transaction

AmountAmount Recorded
Tax$280.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2293 W EAU GALLIE BLVD MELBOURNE FL 329353184, MELBOURNE, FL 32935-3184

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$5,705.00 (+16.98%)$353,455 (+7.96%) Land $57,800 Building $295,655$353,455 (+7.96%) Land $57,800 Building $295,655
2023$4,877.00 (+553.75%)$327,399 (+728.69%) Land $52,360 Building $275,039$327,399 (+728.69%) Land $52,360 Building $275,039
2022$746.00$39,508 Land $39,508$39,508 Land $39,508

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 32 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies32 in force
Nearby Flood Claims7 (1993–2007)
Claims Outside the SFHA4 of 7
Most Recent ClaimOct 2007 · tidal / storm surge
Claims by Event
  • Hurricane Frances, Sep 2004 · 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

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

Wildfire RiskLow
lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood0.06% annual chance
ExposureDirect
burnable vegetation

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 381 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
ClearWave
Fiber		7,000 / 7,000
Xfinity
Cable		2,000 / 250
AT&T
DSL · Fiber in parts of the area		100 / 20

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