656 Concha Dr, Sebastian, FL 32958 Property Records

Indian River County property record for 656 Concha Dr, Sebastian, FL 32958

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,852 sqft · built 2005
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Jul 2018)
Tax Bill	$3,181 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit Jul 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`31-38-25-00001-3640-00029.0`

Property Details

APN / Parcel Number

Primary APN	`31-38-25-00001-3640-00029.0`
Alternative APN	`24027`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,852 sqft Living Area
1st Floor Area	1,852 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Rolled Roofing
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Area	441 sqft
Driveway	Driveway
Driveway Area	765 sqft
Porch	Open Porch
Porch Area	259 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	24027
Street Address	656 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 29 PBI 7-56A
Legal Range	38
Legal Township	31
Legal Section	25
Legal Subdivision	SEBASTIAN HIGHLANDS UNIT 11
Legal Block	364
Legal Lot Number	29
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 March 5, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	656 CONCHA DR, SEBASTIAN, FL 32958-6602
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2020	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Jul 13, 2018	Warranty Deed, Transfer TREASURE COAST TITLE SETTLEMEN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2018 · Amount on Record
Deed Sale	Jul 13, 2018 · Amount on Record
Deed Document Number	3120180043126
Deed Book / Page	3132 / 1726
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	656 CONCHA DR, SEBASTIAN, FL 32958-6602
Document Number	0033261427
Instrument Date	Jul 30, 2020
Transaction Type	Mortgage
Record Updated	Aug 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 CONCHA DR SEBASTIAN FL 329586602, SEBASTIAN, FL 32958-6602

Mortgage

Document Number	0033261427
Date	Aug 7, 2020
Book Page	003326/001427
Instrument	45788

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 6, 2040

Interest

Rate Type	Adjustable Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jul 13, 2018
Property Address	656 CONCHA DR, SEBASTIAN, FL 32958-6602
Document Number	0031321726
Book / Page	003132 / 001726
Instrument Date	Jul 7, 2018
Instrument	43126
Transaction Type	Transfer
Record Updated	Jul 27, 2018
Title Company	TREASURE COAST TITLE SETTLEMEN

Transaction

Amount	Amount Recorded
Tax	$1,505.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 CONCHA DR SEBASTIAN FL 329586602, SEBASTIAN, FL 32958-6602

Tax Assessment & Valuation

Source: Indian River County assessment roll, as of July 1, 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	$3,181.00 (+20.04%)	$205,480 (+5.99%)	$329,361 (+3.97%) Land $68,000 Building $261,361
2023	$2,650.00 (+3.23%)	$193,872 (+4.16%)	$316,774 (+21.43%) Land $68,000 Building $248,774
2022	$2,567.00	$186,126	$260,876 Land $49,300 Building $211,576

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 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 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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