Indian River County property record for 686 Joy St, Sebastian, FL 32958
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,758 sqft · built 1981 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $174,000 (Jan 2017) |
| Tax Bill | $2,698 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Jan 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-38-01-00003-1160-00010.0 |
| Primary APN | 31-38-01-00003-1160-00010.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,758 sqft Living Area |
| Gross Area | 2,586 sqft |
| 1st Floor Area | 1,758 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| View / Lot | Corner |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 765 sqft |
| Porch | Screened Porch |
| Porch Area | 330 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 686 JOY ST |
|---|---|
| City | SEBASTIAN |
| State | FL |
| Zip | 32958-4472 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-10 |
| Legal Description | SEBASTIAN HIGHLANDS UNIT 02 BLK 116 LOT 10 PBI 5-35 |
| Legal Range | 38E |
| Legal Township | 31S |
| Legal Section | 01 |
| Legal Subdivision | SEBASTIAN HIGHLANDS UNIT 2 |
| Legal Block | 116 |
| Legal Lot Number | 10 |
| Legal Unit | 2 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 50807 |
Source: Indian River County records, as of April 14, 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 | 686 JOY ST, SEBASTIAN, FL 32958-4472 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 10, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 25, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Nov 2, 2019 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Aug 23, 2018 | Intrafamily Transfer, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Jan 17, 2017 | Warranty Deed, Transfer FLORIDA TITLE AND GUARANTEE, FLORIDA TITLE & GNTE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 17, 2017 · Amount on Record |
| Deed Sale | Jan 17, 2017 · Amount on Record |
| Prior Sale | Jun 5, 2012 · Amount on Record |
| Deed Document Number | 20172643 |
| Deed Book / Page | 2994 / 2341 |
| Last Transfer Date | Aug 16, 2018 |
| Transfer Doc | 0031431247 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 686 JOY ST, SEBASTIAN, FL 32958-4472 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2023 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0035001596 |
|---|---|
| Date | Jan 10, 2022 |
| Book Page | 3500/1596 |
| Instrument | 3120220001531 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 686 JOY ST, SEBASTIAN, FL 32958-4472 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 686 JOY ST, SEBASTIAN, FL 32958-4472 |
| Document Number | 0033802070 |
|---|---|
| Date | Jan 25, 2021 |
| Book Page | 3380/2070 |
| Instrument | 3120210005016 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 686 JOY ST, SEBASTIAN, FL 32958-4472 |
| Document Number | 0032522315 |
| Instrument Date | Nov 2, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 686 JOY ST SEBASTIAN FL 329584472, SEBASTIAN, FL 32958-4472 |
| Document Number | 0032522315 |
|---|---|
| Date | Nov 8, 2019 |
| Book Page | 003252/002315 |
| Instrument | 65644 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 7, 2049 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Aug 23, 2018 |
| Property Address | 686 JOY ST, SEBASTIAN, FL 32958-4472 |
| Document Number | 0031431247 |
| Book / Page | 3143 / 1247 |
| Map Reference | MB5 PG34-57 |
| Instrument Date | Aug 16, 2018 |
| Instrument | 3120180052228 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2021 |
| Title Company | FLORIDA TITLE & GUARANTEE AG |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 686 JOY ST, 686, SEBASTIAN, FL 32958-4472 |
| Name | Verified Name |
|---|---|
| Address | 686 JOY ST, SEBASTIAN, FL 32958-4472 |
| Document Number | 3120180052229 |
|---|---|
| Date | Aug 23, 2018 |
| Instrument | 3120180052229 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Jan 17, 2017 |
| Property Address | 686 JOY ST, SEBASTIAN, FL 32958-4472 |
| Document Number | 0029942341 |
| Book / Page | 002994 / 002341 |
| Instrument Date | Jan 13, 2017 |
| Instrument | 2643 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2017 |
| Title Company | FLORIDA TITLE AND GUARANTEE, FLORIDA TITLE & GNTE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,218.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 686 JOY ST SEBASTIAN FL 329584472, SEBASTIAN, FL 32958-4472 |
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 | $2,698.00 (+21.97%) Homeowner's exemption | $171,248 (+5.99%) | $243,212 (-8.7%) Land $57,800 Building $185,412 |
| 2023 | $2,212.00 (+4.78%) | $161,574 (+3%) | $266,389 (+5.89%) Land $53,040 Building $213,349 |
| 2022 | $2,111.00 | $156,868 | $251,580 Land $34,000 Building $217,580 |
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 |
|---|---|
| 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 94% of the US · lower than 95% 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 381 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| ClearWave Fiber | 7,000 / 7,000 |
| Xfinity Cable | 2,000 / 250 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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