Indian River County property record for 697 Bayharbor Ter, Sebastian, FL 32958
| Property Type | Single Family Home |
|---|---|
| Details | 1,588 sqft · built 1989 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,793 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Feb 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-38-24-00001-2580-00017.0 |
| Primary APN | 31-38-24-00001-2580-00017.0 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 6 Plumbing Fixtures |
|---|---|
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,588 sqft Living Area |
| Gross Area | 2,328 sqft |
| 1st Floor Area | 1,588 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Custom Design |
| Exterior Material | Wood |
| Construction Type | 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 | 500 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 859 sqft |
| Pool Area | 336 sqft |
|---|---|
| Porch | Screened Porch |
| Porch Area | 271 sqft |
| Patio Area | 507 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 697 BAYHARBOR TER |
|---|---|
| City | SEBASTIAN |
| State | FL |
| Zip | 32958-5955 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-10 |
| Legal Description | SEBASTIAN HIGHLANDS UNIT NO 10 BLK 258 LOT 17 PBI 6-37C |
| Legal Range | 38E |
| Legal Township | 31S |
| Legal Section | 24 |
| Legal Subdivision | SEBASTIAN HIGHLANDS UNIT 10 |
| Legal Block | 258 |
| Legal Lot Number | 17 |
| Legal Unit | NO |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 2 |
| Census Block | 2046 |
| Census Tract | 50809 |
697 Bayharbor Ter is owned and occupied by two individuals who acquired it in February 2023.
Source: Indian River County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 697 BAYHARBOR TER, SEBASTIAN, FL 32958-5955 |
| 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 |
|---|---|
| May 28, 2026 | Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK |
| Feb 14, 2023 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Feb 14, 2023 |
| Transfer Doc | 0035992493 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | May 28, 2026 |
| Property Address | 697 BAYHARBOR TER, SEBASTIAN, FL 32958-5955 |
| Document Number | 0000025432 |
| Book / Page | 3863 / 1328 |
| Instrument Date | May 20, 2026 |
| Instrument | 202625432 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 697 BAYHARBOR TER, SEBASTIAN, FL 32958-5955 |
| Document Number | 0000025432, |
|---|---|
| Date | May 28, 2026 |
| Book Page | 3863/1328 |
| Instrument | 202625432 |
| Name | SEACOAST NATIONAL BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Feb 14, 2023 |
| Property Address | 697 BAYHARBOR TER, SEBASTIAN, FL 32958-5955 |
| Document Number | 0035992493 |
| Book / Page | 3599 / 2493 |
| Map Reference | MB 6 PG 37&37A-37O |
| Instrument Date | Feb 7, 2023 |
| Instrument | 3120230006903 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 697 BAYHARBOR TER, SEBASTIAN, FL 32958-5955 |
| Name | Verified Name |
|---|---|
| Address | 697 BAYHARBOR TER, SEBASTIAN, FL 32958-5955 |
The 2025 property tax bill for 697 Bayharbor Ter was $1,793 with a homeowner's exemption.
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 | $1,793.00 Homeowner's exemption | $116,353 | $372,299 Land $68,638 Building $303,661 |
| 2023 | $1,379.00 (+4.95%) | $109,780 (+3%) | $331,319 (+17.89%) Land $54,188 Building $277,131 |
| 2022 | $1,314.00 | $106,583 | $281,051 Land $33,958 Building $247,093 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 697 Bayharbor 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 697 Bayharbor 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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