637 Cavern Ter, Sebastian, FL 32958 Property Records

Indian River County property record for 637 Cavern Ter, Sebastian, FL 32958

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,655 sqft · built 1992
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on Record
Tax Bill	$4,439 (2025)
Deeds & Mortgages	Feb 2021 Transfer Mar 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`31-38-25-00001-3530-00011.0`

Property Details

APN / Parcel Number

Primary APN	`31-38-25-00001-3530-00011.0`
Alternative APN	`23720`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,655 sqft Living Area
Gross Area	2,339 sqft
1st Floor Area	1,655 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
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	420 sqft
Driveway	Concrete Driveway
Driveway Area	200 sqft

Exterior Amenities

Pool Area	520 sqft
Porch	Screened Porch
Porch Area	318 sqft
Patio Area	514 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	637 CAVERN TER
City	SEBASTIAN
State	FL
Zip	32958-6544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-10
Legal Description	SEBASTIAN HIGHLANDS UNIT 11 BLK 353 LOTS 11 & 12 PBI 7-56B
Legal Range	38E
Legal Township	31S
Legal Section	25
Legal Subdivision	SEBASTIAN HIGHLANDS UNIT 11
Legal Block	353
Legal Lot Number	11,12
Legal Unit	11
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1027
Census Tract	50810

Owner

Source: Indian River County records, as of March 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	637 CAVERN TER, SEBASTIAN, FL 32958-6544
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Mar 5, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 15, 2021
Transfer Doc	0033900938
Record Updated	Jun 8, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	INDIAN RIVER FL
Recording Date	Feb 23, 2021
Property Address	637 CAVERN TER, SEBASTIAN, FL 32958-6544
Document Number	0033900938
Book / Page	3390 / 938
Map Reference	MB 7 PG 56
Instrument Date	Feb 15, 2021
Instrument	3120210011974
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	637 CAVERN TER, SEBASTIAN, FL 32958-6544

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Mar 5, 2019
Property Address	637 CAVERN TER, SEBASTIAN, FL 32958-6544
Document Number	0031881700
Book / Page	003188 / 001700
Instrument Date	Feb 27, 2019
Instrument	13060
Transaction Type	Transfer
Record Updated	Mar 20, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	637 CAVERN TER SEBASTIAN FL 329586544, SEBASTIAN, FL 32958-6544

Tax Assessment & Valuation

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	$4,439.00 (+17.5%) Homeowner's exemption	$276,770 (+6.84%)	$373,355 (+9.05%) Land $125,800 Building $247,555
2023	$3,778.00 (+4.6%)	$259,039 (+3%)	$342,369 (+25.25%) Land $108,800 Building $233,569
2022	$3,612.00	$251,494	$273,342 Land $71,400 Building $201,942

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

Flood

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 44 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	44 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017 · Hurricane Irma

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 Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Direct 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 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 353 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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