654 Cavern Ter, Sebastian, FL 32958 Property Records

Indian River County property record for 654 Cavern Ter, Sebastian, FL 32958

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,501 sqft · built 2000
Lot Size	0.72 acres (31,363 sqft)
Owner	2 Individual Names on File
Last Sale	$690,000 (Feb 2026)
Tax Bill	$9,347 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Aug 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-38-25-00001-3560-00013.0`

Property Details

APN / Parcel Number

Primary APN	`31-38-25-00001-3560-00013.0`
Alternative APN	`23795`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,501 sqft Living Area
Gross Area	4,245 sqft
1st Floor Area	3,501 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Tile
Lot Area	31,363 sqft (0.72 acres)
Lot Dimensions	125 ft deep x 250 ft wide
View / Lot	Interior
Garage Type	Attached
Garage Area	744 sqft
Driveway	Concrete Driveway
Driveway Area	1,400 sqft

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	680 sqft
Patio Area	213 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	654 CAVERN TER
City	SEBASTIAN
State	FL
Zip	32958-6550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-10
Legal Description	SEBASTIAN HIGHLANDS UNIT 11 BLK 356 LOTS 13,14 & 15 PBI 7-56A
Legal Range	38E
Legal Township	31S
Legal Section	25
Legal Subdivision	SEBASTIAN HIGHLANDS UNIT 11
Legal Block	356
Legal Lot Number	13-15
Legal Unit	11
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1038
Census Tract	50810

Owner

Source: Indian River County assessment roll, as of December 8, 2025

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	15022 SNOWDEN DR, SILVER SPRING, MD 20905-5661
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2026	Warranty Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE
Aug 29, 2022	Special Warranty Deed, Transfer SHORE TO SHORE TITLE INC, SHORE TO SHORE TITLE LLC
Apr 29, 2022	Trustee's Deed, Foreclosure ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 5, 2026 · Amount on Record
Deed Sale	Feb 5, 2026 · Amount on Record
Prior Sale	Aug 29, 2022 · Amount on Record
Deed Document Number	20265365
Deed Book / Page	3836 / 151
Record Updated	Jun 8, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Feb 5, 2026
Property Address	654 CAVERN TER, SEBASTIAN, FL 32958-6550
Document Number	0038360151
Book / Page	3836 / 151
Map Reference	MB 7 PG 56&56A-56L
Instrument Date	Jan 30, 2026
Instrument	3120260005365
Transaction Type	Transfer
Record Updated	Feb 18, 2026
Title Company	UNKNOWN, ROCKET CLOSE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,830.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1923 GREY FALCON CIR SW, VERO BEACH, FL 32962-8609

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15022 SNOWDEN DR, SILVER SPRING, MD 20905-5661

Mortgage

Document Number	0003836153
Date	Feb 5, 2026
Instrument	3836/153

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

August 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Aug 29, 2022
Property Address	654 CAVERN TER, SEBASTIAN, FL 32958-6550
Document Number	0035670372
Book / Page	3567 / 372
Map Reference	MB 7 PG 56
Instrument Date	Aug 10, 2022
Instrument	3120220053336
Transaction Type	Transfer
Record Updated	Sep 12, 2022
Title Company	SHORE TO SHORE TITLE INC, SHORE TO SHORE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$3,009.30
Amount Accuracy	Rounded by County
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	654 CAVERN TER, SEBASTIAN, FL 32958-6550

April 2022: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Apr 29, 2022
Property Address	654 CAVERN TER, SEBASTIAN, FL 32958-6550
Document Number	0035351143
Book / Page	3535 / 1143
Map Reference	MB 7 PG 56
Instrument Date	Apr 29, 2022
Instrument	3120220027569
Transaction Type	Foreclosure
Record Updated	May 10, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$2,310.70
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name
Address	654 CAVERN TER, 654, SEBASTIAN, FL 32958-6550

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 E BROWARD BLVD STE 1111, 1111, FORT LAUDERDALE, FL 33301-1894
Mail Care Of	FRENKEL LAMBERT WEISS WEISMAN AND GORDON

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	$9,347.00 (+12.37%) Homeowner's exemption Widower's exemption	$579,198 (+5.99%)	$654,273 (+8.04%) Land $196,563 Building $457,710
2023	$8,318.00 (+87.09%)	$546,481 (+79.71%)	$605,594 (+2.32%) Land $170,000 Building $435,594
2022	$4,446.00	$304,086	$591,855 Land $111,563 Building $480,292

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 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 at the parcel

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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