Indian River County property record for 655 Chesser Ave, Sebastian, FL 32958
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,380 sqft · built 1981 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $169,000 (Apr 2019) |
| Tax Bill | $2,116 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-38-01-00003-0830-00023.0 |
| Primary APN | 31-38-01-00003-0830-00023.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,380 sqft Living Area |
| Gross Area | 1,600 sqft |
| 1st Floor Area | 1,380 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Custom Design |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 125 ft deep x 85 ft wide |
| View / Lot | Interior |
| Garage Type | Attached |
| Garage Area | 160 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 210 sqft |
| Porch | Screened Porch |
| Porch Area | 60 sqft |
| Patio Area | 568 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 655 CHESSER AVE |
|---|---|
| City | SEBASTIAN |
| State | FL |
| Zip | 32958-4265 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-10 |
| Legal Description | SEBASTIAN HIGHLANDS UNIT 02 BLK 83 LOT 23 PBI 5-34 |
| Legal Range | 38E |
| Legal Township | 31S |
| Legal Section | 01 |
| Legal Subdivision | SEBASTIAN HIGHLANDS UNIT 2 |
| Legal Block | 83 |
| Legal Lot Number | 23 |
| Legal Unit | 2 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 50807 |
Source: Indian River County records, as of August 17, 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 Record |
|---|---|
| Mailing Address | 655 CHESSER AVE, SEBASTIAN, FL 32958-4265 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 4, 2026 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION |
| Jun 30, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 4, 2019 | Warranty Deed, Transfer · FHA Mortgage BAYSHORE MORTGAGE FUNDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 4, 2019 · Amount on Record |
| Deed Sale | Apr 4, 2019 · Amount on Record |
| Prior Sale | Jun 30, 2014 · Amount on Record |
| Deed Document Number | 201919752 |
| Deed Book / Page | 3196 / 1003 |
| Prior Transfer Date | Mar 5, 1996 |
| Prior Transfer Doc | 1096000002 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Aug 4, 2026 |
| Property Address | 655 CHESSER AVE, SEBASTIAN, FL 32958-4265 |
| Document Number | 0000037205 |
| Book / Page | 3879 / 2177 |
| Instrument Date | Jul 29, 2026 |
| Instrument | 202637205 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 655 CHESSER AVE, SEBASTIAN, FL 32958-4265 |
| Document Number | 0000037205, |
|---|---|
| Date | Aug 4, 2026 |
| Book Page | 3879/2177 |
| Instrument | 202637205 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.43% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 655 CHESSER AVE, SEBASTIAN, FL 32958-4265 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0033141284 |
|---|---|
| Date | Jun 30, 2020 |
| Book Page | 3314/1284 |
| Instrument | 3120200036755 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Apr 4, 2019 |
| Property Address | 655 CHESSER AVE, SEBASTIAN, FL 32958-4265 |
| Document Number | 0031961003 |
| Book / Page | 3196 / 1003 |
| Map Reference | MB 5 PG 34-37 |
| Instrument Date | Mar 27, 2019 |
| Instrument | 3120190019752 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2021 |
| Title Company | PROFESSIONAL TTL OF INDIAN R |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,183.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2483 CLUBSIDE CT APT 628, 2483, PALM HARBOR, FL 34683-1760 |
| Name | Verified Name |
|---|---|
| Address | 655 CHESSER AVE, SEBASTIAN, FL 32958-4265 |
| Document Number | 3120190019753 |
|---|---|
| Date | Apr 4, 2019 |
| Instrument | 3120190019753 |
| Name | BAYSHORE MORTGAGE FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2049 |
Source: Indian River County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Indian River County |
| Municipality | Sebastian City |
| Unified School District | Indian River County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,116.00 (+33.08%) Homeowner's exemption | $135,956 (+10.63%) | $203,368 (+5.51%) Land $61,413 Building $141,955 |
| 2023 | $1,590.00 (+4.88%) | $122,893 (+3%) | $192,741 (+15.7%) Land $55,633 Building $137,108 |
| 2022 | $1,516.00 | $119,314 | $166,589 Land $29,984 Building $136,605 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 32 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 32 in force |
| Nearby Flood Claims | 7 (1993–2007) |
| Claims Outside the SFHA | 4 of 7 |
| Most Recent Claim | Oct 2007 · tidal / storm surge |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 445 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| ClearWave Fiber | 7,000 / 7,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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