734 Concha Dr, Sebastian, FL 32958 Property Records

Indian River County property record for 734 Concha Dr, Sebastian, FL 32958

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,842 sqft · built 1991
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,771 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Sep 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-38-25-00001-3640-00012.1`

Property Details

APN / Parcel Number

Primary APN	`31-38-25-00001-3640-00012.1`
Alternative APN	`24011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,842 sqft Living Area
1st Floor Area	1,842 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Exterior Material	Stucco
Construction Type	Concrete Block
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 87 ft wide
Garage Area	440 sqft
Driveway	Driveway
Driveway Area	688 sqft

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	277 sqft
Patio Area	525 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	24011
Street Address	734 CONCHA DR
City	SEBASTIAN
State	FL
Zip	32958-6604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-10
Legal Description	SEBASTIAN HIGHLANDS UNIT 11 PBI 7-56 BLK 364 ALL LOT 13 AND THE E 1.5 FT OF LOT 12
Legal Range	38
Legal Township	31
Legal Section	25
Legal Subdivision	SEBASTIAN HIGHLANDS UNIT 11
Legal Block	364
Legal Lot Number	12-13
Legal Unit	11
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1024
Census Tract	50810

Owner

734 Concha Dr is owned and occupied by two individuals who acquired it in September 2021.

Source: Indian River County records, as of March 5, 2026

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	734 CONCHA DR, SEBASTIAN, FL 32958-6604
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2021	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK
Sep 28, 2021	Correction Deed PROFESSIONAL TITLE, PROFESSIONAL TTL OF TREASURE
Jan 21, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2021
Deed Sale	Sep 23, 2021
Prior Sale	Jun 13, 1997 · Amount on File
Deed Document Number	0003468581
Deed Book / Page	3379 / 2472
Prior Transfer Date	Jan 21, 2021
Prior Transfer Doc	3120210004377
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	734 CONCHA DR, SEBASTIAN, FL 32958-6604
Transaction Type	Mortgage
Record Updated	Dec 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	734 CONCHA DR, SEBASTIAN, FL 32958-6604

Mortgage

Document Number	0034850943
Date	Nov 19, 2021
Book Page	3485/943
Instrument	3120210080422

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 9, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Sep 28, 2021
Property Address	734 CONCHA DR, SEBASTIAN, FL 32958-6604
Document Number	0034680581
Book / Page	3468 / 581
Map Reference	MB 7 PG 56
Instrument Date	Sep 23, 2021
Instrument	3120210068031
Record Updated	Oct 12, 2021
Title Company	PROFESSIONAL TITLE, PROFESSIONAL TTL OF TREASURE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	33 IVES HILL CT, 33, CHESHIRE, CT 06410-3918

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	734 CONCHA DR, SEBASTIAN, FL 32958-6604

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jan 21, 2021
Property Address	734 CONCHA DR, SEBASTIAN, FL 32958-6604
Document Number	0033792472
Book / Page	3379 / 2472
Map Reference	MB 7 PG 56
Instrument Date	Dec 14, 2020
Instrument	3120210004377
Transaction Type	Transfer
Record Updated	Oct 12, 2021
Title Company	PROFESSIONAL TTL OF TREASURE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,004.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	734 CONCHA DR, 734, SEBASTIAN, FL 32958-6604

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	734 CONCHA DR, SEBASTIAN, FL 32958-6604

Mortgage

Document Number	33792473
Date	Jan 21, 2021
Instrument	3379/2473

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 734 Concha Dr was $4,771.

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	$4,771.00	$296,842	$339,478 Land $70,278 Building $269,200
2023	$4,116.00 (+10.76%)	$280,074 (+8.54%)	$326,553 (+26.55%) Land $70,278 Building $256,275
2022	$3,716.00	$258,036 Land $50,952 Building $207,084	$258,036 Land $50,952 Building $207,084

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 734 Concha Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 734 Concha Dr is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% 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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