Indian River County property record for 649 Cavern Ter, Sebastian, FL 32958 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,355 sqft · built 1996 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $98,000 (Oct 2000) |
| Tax Bill | $1,345 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-38-25-00001-3530-00010.0 |
| Primary APN | 31-38-25-00001-3530-00010.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,355 sqft Living Area |
| Gross Area | 2,025 sqft |
| 1st Floor Area | 1,355 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| View / Lot | Interior |
| Garage Type | Attached |
| Garage Area | 456 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,168 sqft |
| Porch | Screened Porch |
| Porch Area | 249 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 649 CAVERN TER |
|---|---|
| City | SEBASTIAN |
| State | FL |
| Zip | 32958-6544 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEBASTIAN HIGHLANDS UNIT 11 BLK 353 LOT 10 PBI 7-56B |
| Legal Range | 38E |
| Legal Township | 31S |
| Legal Section | 25 |
| Legal Subdivision | SEBASTIAN HIGHLANDS UNIT 11 |
| Legal Block | 353 |
| Legal Lot Number | 10 |
| Legal Unit | 11 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 50810 |
Source: Indian River County records · APN 31-38-25-00001-3530-00010.0
Assessment roll updated December 8, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 649 CAVERN TER, SEBASTIAN, FL 32958-6544 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 24, 2000 · Amount on Record |
| Deed Sale | Oct 24, 2000 · Amount on Record |
| Prior Sale | Feb 14, 1996 · Amount on Record |
| Deed Book / Page | 1361 / 2322 |
| Last Transfer Date | Dec 17, 2015 |
| Transfer Doc | 0028991454 |
| Record Updated | Jun 08, 2026 |
Source: Indian River County records · Assessment roll updated December 8, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Municipality | Sebastian City |
| Unified School District | Indian River County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,345.00 (+66.05%) Homeowner's exemption Senior Citizen's exemption | $108,676 (+18.34%) | $248,338 (+11.4%) Land $62,900 Building $185,438 |
| 2023 | $810.00 (+4.38%) | $91,837 (+3%) | $222,923 (+22.58%) Land $54,400 Building $168,523 |
| 2022 | $776.00 | $89,162 | $181,855 Land $35,700 Building $146,155 |
Source: FEMA National Flood Hazard Layer, Indian River County (12061C), updated May 13, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120610508101, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 44 individual NFIP policies nearby |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 44 in force 40 of 44 on primary residences |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2017, river or lake flooding, Hurricane Irma |
| Wildfire Risk | Moderate above 46% of the US · above 16% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,124 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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