650 Concha Dr, Sebastian, FL 32958 Property Records

Indian River County property record for 650 Concha Dr, Sebastian, FL 32958

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,494 sqft · built 1986
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$445,000 (Oct 2023)
Tax Bill	$5,681 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage May 2023 Sale & Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31-38-25-00001-3640-00030.0`

Property Details

APN / Parcel Number

Primary APN	`31-38-25-00001-3640-00030.0`
Alternative APN	`24028`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,494 sqft Living Area
Gross Area	1,998 sqft
1st Floor Area	1,494 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Custom Design
Exterior Material	Frame/Stucco
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Other
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80.3 ft wide
View / Lot	Canal/Waterfront
Garage Type	Attached
Garage Area	504 sqft
Driveway	Concrete Driveway
Driveway Area	286 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	464 sqft
Patio Area	798 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	650 CONCHA DR
City	SEBASTIAN
State	FL
Zip	32958-6602
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-10
Legal Description	SEBASTIAN HIGHLANDS UNIT 11 BLK 364 LOT 30 PBI 7-56A
Legal Range	38E
Legal Township	31S
Legal Section	25
Legal Subdivision	SEBASTIAN HIGHLANDS UNIT 11
Legal Block	364
Legal Lot Number	30
Legal Unit	11
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1024
Census Tract	50810

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	650 CONCHA DR, SEBASTIAN, FL 32958-6602
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2023	Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK NA
May 24, 2023	Warranty Deed, Transfer · Construction Mortgage KIAVI FUNDING INC
Oct 6, 2020	Warranty Deed, Transfer · VA Mortgage TOTAL MORTGAGE SERVICES LLC
Aug 15, 2019	Warranty Deed, Transfer · FHA Mortgage MICHIGAN MUTUAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2023 · Amount on File
Deed Sale	Oct 18, 2023 · Amount on File
Prior Sale	May 24, 2023 · Amount on File
Deed Document Number	202352391
Deed Book / Page	3656 / 1593
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Oct 18, 2023
Property Address	650 CONCHA DR, SEBASTIAN, FL 32958-6602
Document Number	0036561593
Book / Page	3656 / 1593
Map Reference	MB 7 PG 56,56A-56L
Instrument Date	Oct 17, 2023
Instrument	3120230052391
Transaction Type	Transfer
Record Updated	Nov 14, 2023
Title Company	FAIRWATER TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,115.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1997 SE CROWBERRY DR, PORT SAINT LUCIE, FL 34983-5603

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 CONCHA DR, SEBASTIAN, FL 32958-6602

Mortgage

Document Number	0036561595
Date	Oct 18, 2023
Instrument	3656/1595

Lender

Name	SOUTH STATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	May 24, 2023
Property Address	650 CONCHA DR, SEBASTIAN, FL 32958-6602
Document Number	0036231347
Book / Page	3623 / 1347
Map Reference	MB 7 PG 56&56A-56L
Instrument Date	May 22, 2023
Instrument	3120230026078
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	SUPREME TITLE SOLUTIONS LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,072.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2763 W 36TH ST, LOVELAND, CO 80538-5339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1997 SE CROWBERRY DR, PORT SAINT LUCIE, FL 34983-5603

Mortgage

Document Number	0036231349
Date	May 24, 2023
Book Page	3623/1349
Instrument	3120230026079

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company
Address	PITTSBURGH, PA 15212

Agreement

Type	Construction Mortgage
Amount	Amount on Record

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Oct 6, 2020
Property Address	650 CONCHA DR, SEBASTIAN, FL 32958-6602
Document Number	0033450202
Book / Page	3345 / 202
Map Reference	MB 7 PG 56&56A-56L
Instrument Date	Sep 25, 2020
Instrument	3120200059693
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	PROFESSIONAL TTL OF TREASURE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,946.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5449 BUCKSKIN DR, 5449, THE COLONY, TX 75056-3820

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 CONCHA DR, SEBASTIAN, FL 32958-6602

Mortgage

Document Number	3345203
Date	Oct 6, 2020
Instrument	3345/203

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Aug 15, 2019
Property Address	650 CONCHA DR, SEBASTIAN, FL 32958-6602
Document Number	0032302122
Book / Page	003230 / 002122
Instrument Date	Aug 7, 2019
Instrument	48332
Transaction Type	Transfer
Record Updated	Aug 27, 2019
Title Company	PROFESSIONAL TITLE/INDIAN RIVE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	650 CONCHA DR SEBASTIAN FL 329586602, SEBASTIAN, FL 32958-6602

Mortgage

Document Number	32302123
Date	Aug 15, 2019
Book Page	003230/002123
Instrument	48333

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2049

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	$5,681.00 (+22.17%)	$322,799 (+3.04%) Land $68,289 Building $254,510	$322,799 (-0.18%) Land $68,289 Building $254,510
2023	$4,650.00 (+4.56%)	$313,283 (+3%)	$323,375 (+6.32%) Land $68,289 Building $255,086
2022	$4,447.00	$304,159 Land $49,510 Building $254,649	$304,159 Land $49,510 Building $254,649

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.1% 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 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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