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644 Concha Dr, Sebastian, FL 32958 Property Records

Indian River County property record for 644 Concha Dr, Sebastian, FL 32958

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,793 sqft · built 2016
Lot Size0.23 acres (10,019 sqft)
OwnerIndividual Name on Record
Last Sale$315,000 (Aug 2018)
Tax Bill$2,477 (2025)
Deeds & MortgagesAug 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN31-38-25-00001-3640-00031.0

Property Details

APN / Parcel Number

Primary APN31-38-25-00001-3640-00031.0
Alternative APN
  • 24029

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Building Area1,793 sqft Living Area
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2016
Exterior MaterialConcrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeHip
Roof MaterialComposition Shingle
Lot Area10,019 sqft (0.23 acres)
Lot Dimensions125 ft deep x 88 ft wide
Garage Area484 sqft
DrivewayDriveway
Driveway Area672 sqft
PorchFinished/Screened Porch
Deck Area265 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number24029
Street Address644 CONCHA DR
CitySEBASTIAN
StateFL
Zip32958-6602
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS-10
Legal DescriptionSEBASTIAN HIGHLANDS UNIT 11 BLK 364 LOT 31 PBI 7-56E
Legal Range38
Legal Township31
Legal Section25
Legal SubdivisionSEBASTIAN HIGHLANDS UNIT 11
Legal Block364
Legal Lot Number31
Legal Unit11
JurisdictionINDIAN RIVER FL
Township / Civil DivisionVERO BEACH
Census Block Group1
Census Block1024
Census Tract50810

Owner

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

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

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address644 CONCHA DR, SEBASTIAN, FL 32958-6602
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 28, 2018 · Amount on Record
Deed SaleAug 28, 2018 · Amount on Record
Prior SaleOct 21, 2016 · Amount on Record
Deed Document Number3120180052930
Deed Book / Page3144 / 0890
Record UpdatedJun 8, 2026

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionINDIAN RIVER FL
Recording DateAug 28, 2018
Property Address644 CONCHA DR, SEBASTIAN, FL 32958-6602
Document Number0031440890
Book / Page3144 / 0890
Map ReferenceMB7 PG56,56A-56L
Instrument DateAug 14, 2018
Instrument3120180052930
Transaction TypeTransfer
Record UpdatedDec 6, 2021
Title CompanyPROFESSIONAL TITLE OF INSIAN

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,205.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 596, TYBEE ISLAND, GA 31328-0596

Transferred To (Grantee/Buyer)

NameVerified Name
Address644 CONCHA DR, SEBASTIAN, FL 32958-6602

Mortgage

Document Number3120180052931
DateAug 28, 2018
Instrument3120180052931
Lender
NameMOVEMENT MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2048

Tax Assessment & Valuation

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$2,477.00 (+23.36%)$157,805 (+5.99%)$361,607 (+4.1%) Land $69,428 Building $292,179
2023$2,008.00 (+4.8%)$148,890 (+3%)$347,349 (+19.36%) Land $69,428 Building $277,921
2022$1,916.00$144,553$291,018 Land $50,335 Building $240,683

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

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 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 44 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies44 in force
Nearby Flood Claims1 (2017)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 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 RiskModerate
above 40% of the US · lower than 87% of Florida
Wildfire Likelihood0.1% 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 353 locations within half a mile, as of December 31, 2025

ProviderMax 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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