698 Concha Dr, Sebastian, FL 32958 Property Records

Indian River County property record for 698 Concha Dr, Sebastian, FL 32958

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,686 sqft · built 1997
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$307,000 (Apr 2021)
Tax Bill	$4,571 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Dec 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`31-38-25-00001-3640-00022.0`

Property Details

APN / Parcel Number

Primary APN	`31-38-25-00001-3640-00022.0`
Alternative APN	`24020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,686 sqft Living Area
1st Floor Area	1,686 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Metal
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 74 ft wide
Garage Area	391 sqft
Driveway	Driveway
Driveway Area	600 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	219 sqft
Patio Area	342 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	24020
Street Address	698 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 22 PBI 7-56A
Legal Range	38
Legal Township	31
Legal Section	25
Legal Subdivision	SEBASTIAN HIGHLANDS UNIT 11
Legal Block	364
Legal Lot Number	22
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
Co-owner	Co-owner on Record
Mailing Address	698 CONCHA DR, SEBASTIAN, FL 32958-6602
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Dec 10, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 15, 2020	Loan Modification, Mortgage · FHA Mortgage PENNYMAC
Jan 10, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jan 10, 2020	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC
Jan 11, 2017	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2021 · Amount on Record
Deed Sale	Apr 20, 2021 · Amount on Record
Prior Sale	Jan 11, 2017 · Amount on Record
Deed Document Number	3120210027765
Deed Book / Page	3412 / 837
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Apr 20, 2021
Property Address	698 CONCHA DR, SEBASTIAN, FL 32958-6602
Document Number	0034120837
Book / Page	3412 / 837
Map Reference	MB 7 PG 56
Instrument Date	Apr 15, 2021
Instrument	3120210027765
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	PROFESSIONAL TITLE, PROFESSIONAL TTL OF TREASURE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,149.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3365 WEDGEWOOD DR NE APT 302, 3365, PALM BAY, FL 32905-6206

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	698 CONCHA DR, SEBASTIAN, FL 32958-6602

Mortgage

Document Number	3412838
Date	Apr 20, 2021
Instrument	3412/838

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	698 CONCHA DR, SEBASTIAN, FL 32958-6602
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	698 CONCHA DR, SEBASTIAN, FL 32958-6602

Mortgage

Document Number	0033661419
Date	Dec 10, 2020
Book Page	3366/1419
Instrument	3120200075054

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	370 Months
Due	Oct 1, 2051

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	INDIAN RIVER FL
Property Address	698 CONCHA DR, SEBASTIAN, FL 32958-6602
Document Number	0033662023
Instrument Date	Oct 15, 2020
Transaction Type	Mortgage
Record Updated	Jan 7, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	698 CONCHA DR SEBASTIAN FL 329586602, SEBASTIAN, FL 32958-6602

Mortgage

Document Number	0033662023
Date	Dec 11, 2020
Book Page	003366/002023
Instrument	75224

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2050

Interest

Rate	3.12%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	698 CONCHA DR, SEBASTIAN, FL 32958-6602
Document Number	0032771364
Instrument Date	Jan 10, 2020
Transaction Type	Mortgage
Record Updated	Mar 5, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	698 CONCHA DR SEBASTIAN FL 329586602, SEBASTIAN, FL 32958-6602

Mortgage

Document Number	0032771364
Date	Feb 17, 2020
Book Page	003277/001364
Instrument	9643

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 16, 2050

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	INDIAN RIVER FL
Property Address	698 CONCHA DR, SEBASTIAN, FL 32958-6602
Document Number	0032800961
Instrument Date	Jan 10, 2020
Transaction Type	Mortgage
Record Updated	Apr 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	698 CONCHA DR SEBASTIAN FL 329586602, SEBASTIAN, FL 32958-6602

Mortgage

Document Number	0032800961
Date	Feb 27, 2020
Book Page	003280/000961
Instrument	11948

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 26, 2050

Interest

Rate	3.5%

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jan 11, 2017
Property Address	698 CONCHA DR, SEBASTIAN, FL 32958-6602
Document Number	0029940217
Book / Page	2994 / 0217
Map Reference	MB7 PG56
Instrument Date	Jan 5, 2017
Instrument	3120170001839
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1660 BARBER ST, 1660, SEBASTIAN, FL 32958-6270

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	698 CONCHA DR, SEBASTIAN, FL 32958-6602

Mortgage

Document Number	0029940227
Date	Jan 11, 2017
Book Page	2994/0227
Instrument	3120170001841

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

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	$4,571.00 (+16.22%)	$284,761 (+5.99%)	$327,482 (+3.97%) Land $66,691 Building $260,791
2023	$3,933.00 (+4.6%)	$268,675 (+3%)	$314,976 (+20.75%) Land $66,691 Building $248,285
2022	$3,760.00	$260,849 Land $48,351 Building $212,498	$260,849 Land $48,351 Building $212,498

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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