581 Concha Dr, Sebastian, FL 32958 Property Records

Indian River County property record for 581 Concha Dr, Sebastian, FL 32958

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,516 sqft · built 1981
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$142,000 (Feb 2016)
Tax Bill	$2,168 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Mar 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-38-25-00001-3590-00029.0`

Property Details

APN / Parcel Number

Primary APN	`31-38-25-00001-3590-00029.0`
Alternative APN	`23884`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,516 sqft Living Area
Gross Area	1,708 sqft
1st Floor Area	1,516 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Custom Design
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Other
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	125 ft deep x 93.2 ft wide
View / Lot	Interior
Garage Type	Detached
Garage Area	240 sqft
Driveway	Concrete Driveway
Driveway Area	390 sqft

Exterior Amenities

Pool Area	300 sqft
Porch	Patio
Porch Area	212 sqft
Patio Area	701 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	581 CONCHA DR
City	SEBASTIAN
State	FL
Zip	32958-6586
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-10
Legal Description	SEBASTIAN HIGHLANDS UNIT 11 BLK 359 LOT 29 PBI 7-56D
Legal Range	38E
Legal Township	31S
Legal Section	25
Legal Subdivision	SEBASTIAN HIGHLANDS UNIT 11
Legal Block	359
Legal Lot Number	29
Legal Unit	11
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	3
Census Block	3047
Census Tract	50809

Owner

581 Concha Dr is owned and occupied by an individual who bought it in February 2016.

Source: Indian River County records, as of August 12, 2026

Owner of Record	Individual Name on File
Mailing Address	581 CONCHA DR, SEBASTIAN, FL 32958-6586
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 17, 2025	Deed of Trust, Mortgage HABITAT FOR HUMANITY
Mar 4, 2021	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK
Jun 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2016 · Amount on File
Deed Sale	Feb 2, 2016 · Amount on File
Deed Document Number	20166180
Deed Book / Page	2909 / 1175
Prior Transfer Date	Oct 11, 2013
Prior Transfer Doc	0027121931
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	581 CONCHA DR, SEBASTIAN, FL 32958-6586
Transaction Type	Mortgage
Record Updated	Jan 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	581 CONCHA DR, SEBASTIAN, FL 32958-6586

Mortgage

Document Number	0038252284
Date	Dec 17, 2025
Book Page	3825/2284
Instrument	3120250061755

Lender

Name	HABITAT FOR HUMANITY
Type	Non-Lending Institution
Address	VERO BEACH, FL 32967

Agreement

Amount	Amount on Record
Term	50 Months
Due	Feb 1, 2030

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	581 CONCHA DR, SEBASTIAN, FL 32958-6586
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	581 CONCHA DR, SEBASTIAN, FL 32958-6586

Mortgage

Document Number	0033942250
Date	Mar 4, 2021
Book Page	3394/2250
Instrument	3120210015155

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Feb 25, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	581 CONCHA DR, SEBASTIAN, FL 32958-6586
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033131197
Date	Jun 26, 2020
Book Page	3313/1197
Instrument	3120200036081

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 581 Concha Dr was $2,168 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	$2,168.00 Homeowner's exemption	$139,106	$290,597 Land $75,251 Building $215,346
2023	$1,724.00 (+4.87%)	$131,248 (+3%)	$263,445 (+20.05%) Land $59,409 Building $204,036
2022	$1,644.00	$127,425	$219,443 Land $37,229 Building $182,214

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

Flood

FEMA maps place 581 Concha Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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.

Wildfire

Wildfire risk around 581 Concha Dr is low, with a 0.04% annual chance of 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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