1. Home
  2. Florida
  3. Sebastian
  4. Bayharbor Ter

631 Bayharbor Ter, Sebastian, FL 32958 Property Records

Indian River County property record for 631 Bayharbor Ter, Sebastian, FL 32958

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,340 sqft · built 1982
Lot Size0.23 acres (10,019 sqft)
OwnerIndividual Name on File
Last Sale$250,000 (Jun 2022)
Tax Bill$3,615 (2025)
Deeds & MortgagesJun 2022 Sale & Mortgage
Jul 2021 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN31-38-24-00001-2580-00028.0

Property Details

APN / Parcel Number

Primary APN31-38-24-00001-2580-00028.0
Alternative APN
  • 22165

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,340 sqft Living Area
1st Floor Area1,340 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1982
Exterior MaterialFiber Cement Siding
Construction TypeWood Frame
Foundation TypeSlab (Mat/Raft)
Roof TypeGambrel
Roof MaterialShingle
Lot Area10,019 sqft (0.23 acres)
Lot Dimensions125 ft deep x 80 ft wide
DrivewayDriveway
Driveway Area220 sqft

Exterior Amenities

PorchFinished/Screened Porch
Porch Area348 sqft
FenceFence
Utility Building80 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number22165
Street Address631 BAYHARBOR TER
CitySEBASTIAN
StateFL
Zip32958-5955
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS-10
Legal DescriptionSEBASTIAN HIGHLANDS UNIT NO 10 BLK 258 LOT 28 PBI 6-37C
Legal Range38
Legal Township31
Legal Section24
Legal SubdivisionSEBASTIAN HIGHLANDS UNIT 10
Legal Block258
Legal Lot Number28
Legal Unit10
JurisdictionINDIAN RIVER FL
Township / Civil DivisionVERO BEACH
Census Block Group2
Census Block2046
Census Tract50809

Owner

631 Bayharbor Ter is owned and occupied by an individual who bought it in June 2022.

Source: Indian River County records, as of March 5, 2026

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address631 BAYHARBOR TER, SEBASTIAN, FL 32958-5955
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jun 1, 2022Warranty Deed, Transfer · Conventional Mortgage
CALIBER HOME LOANS INC
Jul 20, 2021Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
May 19, 2020Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Dec 26, 2018Deed of Trust, Mortgage · FHA Mortgage
GLOBAL EQUITY FIN
Sep 15, 2017Warranty Deed, Transfer · Conventional Mortgage
RICHARD E & SUZANNE B MOYER

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 1, 2022 · Amount on File
Deed SaleJun 1, 2022 · Amount on File
Prior SaleSep 15, 2017 · Amount on File
Deed Document Number3120220034893
Deed Book / Page3544 / 2295
Record UpdatedJun 8, 2026

June 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionINDIAN RIVER FL
Recording DateJun 1, 2022
Property Address631 BAYHARBOR TER, SEBASTIAN, FL 32958-5955
Document Number0035442295
Book / Page3544 / 2295
Map ReferenceMB 6 PG 37&37A-37O
Instrument DateMay 31, 2022
Instrument3120220034893
Transaction TypeTransfer
Record UpdatedJun 14, 2022
Title CompanyALLIANCE TITLE TREASURE COAST, ALLIANCE TTL OF TREASURE COA

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,750.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address332 VALENCIA ST, 332, SEBASTIAN, FL 32958-4131

Transferred To (Grantee/Buyer)

NameVerified Name
Address631 BAYHARBOR TER, SEBASTIAN, FL 32958-5955

Mortgage

Document Number0035442296
DateJun 1, 2022
Instrument3544/2296
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJun 1, 2052

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionINDIAN RIVER FL
Property Address631 BAYHARBOR TER, SEBASTIAN, FL 32958-5955
Transaction TypeMortgage
Record UpdatedAug 4, 2021
Title CompanySUNBELT TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address631 BAYHARBOR TER, SEBASTIAN, FL 32958-5955

Mortgage

Document Number0034451015
DateJul 20, 2021
Book Page3445/1015
Instrument3120210051986
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term332 Months
DueMar 1, 2049

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionINDIAN RIVER FL
Property Address631 BAYHARBOR TER, SEBASTIAN, FL 32958-5955
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0033010709
DateMay 19, 2020
Book Page3301/709
Instrument3120200027362
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term345 Months
DueFeb 1, 2049

December 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionINDIAN RIVER FL
Property Address631 BAYHARBOR TER, SEBASTIAN, FL 32958-5955
Document Number0031740485
Instrument DateDec 26, 2018
Transaction TypeMortgage
Record UpdatedJan 15, 2019
Title CompanySTEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address631 BAYHARBOR TER SEBASTIAN FL 329585955, SEBASTIAN, FL 32958-5955

Mortgage

Document Number0031740485
DateJan 2, 2019
Book Page003174/000485
Instrument210
Lender
NameGLOBAL EQUITY FIN
TypeFunding / Finance Company
AddressSAN DIEGO, CA 92117
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJan 1, 2049

September 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionINDIAN RIVER FL
Recording DateSep 15, 2017
Property Address631 BAYHARBOR TER, SEBASTIAN, FL 32958-5955
Document Number0030550784
Book / Page003055 / 000784
Instrument DateAug 30, 2017
Instrument52935
Transaction TypeTransfer
Record UpdatedOct 10, 2017
Title CompanyRIOMAR TITLE LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$944.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address631 BAYHARBOR TER SEBASTIAN FL 329585955, SEBASTIAN, FL 32958-5955

Mortgage

Document Number30550785
DateSep 15, 2017
Book Page003055/000785
Instrument52936
Lender
NameRICHARD E & SUZANNE B MOYER
Special NotesSeller Financed
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term60 Months
DueSep 14, 2022
Interest
Rate6%

Tax Assessment & Valuation

The 2025 property tax bill for 631 Bayharbor Ter was $3,615.

Source: Indian River County assessment roll, as of July 1, 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$3,615.00$226,815$228,676 Land $64,600 Building $164,076
2023$2,977.00 (+118.58%)$209,211 (+89.17%) Land $51,000 Building $158,211$209,211 (+21.96%) Land $51,000 Building $158,211
2022$1,362.00$110,595$171,543 Land $31,960 Building $139,583

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

FEMA maps place 631 Bayharbor Ter in Zone X, an area of minimal flood risk.

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 File
median of 62 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies62 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 631 Bayharbor Ter is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood0.02% 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 378 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

Nearby Properties on Bayharbor Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures