Indian River County property record for 686 Capon Ter, Sebastian, FL 32958
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,056 sqft · built 1990 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $123,500 (Jun 2016) |
| Tax Bill | $1,557 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Mar 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-38-24-00001-2590-00014.0 |
| Primary APN | 31-38-24-00001-2590-00014.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | 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 | 720 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 152 sqft |
| Deck Area | 288 sqft |
| Patio Area | 138 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 22182 |
|---|---|
| Street Address | 686 CAPON TER |
| City | SEBASTIAN |
| State | FL |
| Zip | 32958-5944 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-10 |
| Legal Description | SEBASTIAN HIGHLANDS UNIT NO 10 BLK 259 LOT 14 PBI 6-37C |
| Legal Range | 38 |
| Legal Township | 31 |
| Legal Section | 24 |
| Legal Subdivision | SEBASTIAN HIGHLANDS UNIT 10 |
| Legal Block | 259 |
| Legal Lot Number | 14 |
| Legal Unit | 10 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 2 |
| Census Block | 2047 |
| Census Tract | 50809 |
686 Capon Ter is owned and occupied by an individual who bought it in June 2016.
Source: Indian River County records, as of March 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 686 CAPON TER, SEBASTIAN, FL 32958-5944 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 30, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Mar 3, 2017 | Deed of Trust, Mortgage · FHA Mortgage SUNTRUST MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 3, 2016 · Amount on File |
| Deed Sale | Jun 3, 2016 · Amount on File |
| Prior Sale | May 21, 2013 · Amount on File |
| Deed Document Number | 3120160031670 |
| Deed Book / Page | 2939 / 0873 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 686 CAPON TER, SEBASTIAN, FL 32958-5944 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2022 |
| Name | Verified Name |
|---|---|
| Address | 686 CAPON TER, SEBASTIAN, FL 32958-5944 |
| Document Number | 0035252261 |
|---|---|
| Date | Mar 30, 2022 |
| Book Page | 3525/2261 |
| Instrument | 3120220020222 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 686 CAPON TER, SEBASTIAN, FL 32958-5944 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 0030051326 |
|---|---|
| Date | Mar 3, 2017 |
| Book Page | 3005/1326 |
| Instrument | 3120170011764 |
| Name | SUNTRUST MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | RICHMOND, VA 23224 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2047 |
The 2025 property tax bill for 686 Capon Ter was $1,557.
Source: Indian River County assessment roll, as of July 1, 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 | $1,557.00 | $102,082 | $201,616 Land $57,800 Building $143,816 |
| 2023 | $1,147.00 (+8.31%) | $95,356 (+5.37%) | $197,039 (+26.48%) Land $54,400 Building $142,639 |
| 2022 | $1,059.00 | $90,499 | $155,788 Land $30,600 Building $125,188 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 686 Capon Ter in Zone X, an area of minimal flood risk.
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 File median of 62 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 62 in force |
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 risk around 686 Capon Ter is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% 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 378 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
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