685 Cavern Ter, Sebastian, FL 32958 Property Records

Indian River County property record for 685 Cavern Ter, Sebastian, FL 32958

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,822 sqft · built 2021
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$268,000 (Dec 2021)
Tax Bill	$6,310 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Dec 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31-38-25-00001-3530-00004.0`

Property Details

APN / Parcel Number

Primary APN	`31-38-25-00001-3530-00004.0`
Alternative APN	`23714`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Building Area	1,822 sqft Living Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Area	400 sqft
Driveway	Driveway
Driveway Area	788 sqft

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Patio Area	394 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	23714
Street Address	685 CAVERN TER
City	SEBASTIAN
State	FL
Zip	32958-6544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-10
Legal Description	SEBASTIAN HIGHLANDS UNIT 11 BLK 353 LOT 4 PBI 7-56B
Legal Range	38
Legal Township	31
Legal Section	25
Legal Subdivision	SEBASTIAN HIGHLANDS UNIT 11
Legal Block	353
Legal Lot Number	4
Legal Unit	11
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1027
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
Co-owner	Co-owner on Record
Mailing Address	685 CAVERN TER, SEBASTIAN, FL 32958-6544
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2024	Deed of Trust, Mortgage · Commercial Mortgage UNLOCK PARTNERSHIP SOLUTIONS INC
Dec 1, 2021	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FBC MORTGAGE LLC
Jun 11, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Jun 7, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2021 · Amount on Record
Deed Sale	Dec 1, 2021 · Amount on Record
Deed Document Number	3120210082597
Deed Book / Page	3488 / 1478
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	685 CAVERN TER, SEBASTIAN, FL 32958-6544
Transaction Type	Mortgage
Record Updated	Mar 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 CAVERN TER, SEBASTIAN, FL 32958-6544

Mortgage

Document Number	0036741094
Date	Jan 25, 2024
Book Page	3674/1094
Instrument	3120240003484

Lender

Name	UNLOCK PARTNERSHIP SOLUTIONS INC
Type	Non-Lending Institution
Address	548 MARKET ST # 31036, SAN FRANCISCO, CA 94104

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 18, 2034

December 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Dec 1, 2021
Property Address	685 CAVERN TER, SEBASTIAN, FL 32958-6544
Document Number	0034881478
Book / Page	3488 / 1478
Map Reference	MB 7 PG 56,56A-56L
Instrument Date	Nov 23, 2021
Instrument	3120210082597
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 14, 2023
Title Company	MOSLEY AND WALLIS TITLE SERVICES, MOSLEY & WALLIS TTL SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,876.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3000 GULF BREEZE PKWY, GULF BREEZE, FL 32563-5623

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 MOWING WAY, WILMINGTON, VT 05363-7968

Mortgage

Document Number	0034881479
Date	Dec 1, 2021
Instrument	3488/1479

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jun 11, 2019
Property Address	685 CAVERN TER, SEBASTIAN, FL 32958-6544
Document Number	0032140220
Book / Page	003214 / 000220
Instrument Date	May 23, 2019
Instrument	34465
Transaction Type	Transfer
Record Updated	Jun 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$497.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3000 GULF BREEZE PKWY GULF BREEZE FL 325635623, GULF BREEZE, FL 32563-5623
Investor	Possibly a Property Investor

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jun 7, 2019
Property Address	685 CAVERN TER, SEBASTIAN, FL 32958-6544
Document Number	0032131521
Book / Page	003213 / 001521
Instrument Date	May 23, 2019
Instrument	34011
Transaction Type	Transfer
Record Updated	Jun 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$455.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	16057 TAMPA PALMS BLVD W #270 TAMPA FL 336472001, 270, TAMPA, FL 33647-2001
Investor	Possibly a Property Investor

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	$6,310.00 (+14.08%)	$390,147 (+5.99%)	$392,956 (+6.75%) Land $62,900 Building $330,056
2023	$5,531.00 (+26.63%)	$368,108 (+42.33%) Land $54,400 Building $313,708	$368,108 (+42.33%) Land $54,400 Building $313,708
2022	$4,368.00	$258,622 Land $35,700 Building $222,922	$258,622 Land $35,700 Building $222,922

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
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

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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