Indian River County property record for 786 Concha Dr, Sebastian, FL 32958
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,831 sqft · built 1995 |
| Lot Size | 0.239 acres (10,454 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $122,000 (Aug 2009) |
| Tax Bill | $4,398 (2025) |
| Deeds & Mortgages | Jan 2021 Sale & Mortgage Apr 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-38-25-00001-3640-00002.0 |
| Primary APN | 31-38-25-00001-3640-00002.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,831 sqft Living Area |
| 1st Floor Area | 1,831 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,454 sqft (0.239 acres) |
| Lot Dimensions | 125 ft deep x 86 ft wide |
| Garage Area | 483 sqft |
| Driveway | Driveway |
| Driveway Area | 675 sqft |
| Pool Area | 450 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 410 sqft |
| Patio Area | 426 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 24001 |
|---|---|
| Street Address | 786 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 BLK 364 LOT 2 PBI 7-56A |
| Legal Range | 38 |
| Legal Township | 31 |
| Legal Section | 25 |
| Legal Subdivision | SEBASTIAN HIGHLANDS UNIT 11 |
| Legal Block | 364 |
| Legal Lot Number | 2 |
| Legal Unit | 11 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 50810 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 786 CONCHA DR, SEBASTIAN, FL 32958-6604 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 27, 2021 | Warranty Deed, Transfer CALIBER HM LOANS |
| Apr 10, 2017 | Deed of Trust, Mortgage · FHA Mortgage LIBERTY HM EQUITY SOLUTIONS |
| Apr 10, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2009 · Amount on Record |
| Deed Sale | Aug 14, 2009 · Amount on Record |
| Prior Sale | Aug 14, 2009 · Amount on Record |
| Deed Document Number | 0023611632 |
| Last Transfer Date | Jan 27, 2021 |
| Transfer Doc | 0033811939 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Jan 27, 2021 |
| Property Address | 786 CONCHA DR, SEBASTIAN, FL 32958-6604 |
| Document Number | 0033811939 |
| Book / Page | 003381 / 001939 |
| Instrument Date | Jan 25, 2021 |
| Instrument | 5733 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2021 |
| Title Company | HARBOR TITLE AND ESCROW, HARBOR TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Tax | $13.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 786 CONCHA DR SEBASTIAN FL 329586604, SEBASTIAN, FL 32958-6604 |
| Document Number | 33811940 |
|---|---|
| Date | Jan 27, 2021 |
| Book Page | 003381/001940 |
| Instrument | 5734 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 26, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 786 CONCHA DR, SEBASTIAN, FL 32958-6604 |
| Document Number | 0030160018 |
| Instrument Date | Apr 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2017 |
| Title Company | WFG NATIONAL TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 786 CONCHA DR SEBASTIAN FL 329586604, SEBASTIAN, FL 32958-6604 |
| Document Number | 0030160018 |
|---|---|
| Date | Apr 18, 2017 |
| Book Page | 003016/000018 |
| Instrument | 20487 |
| Name | LIBERTY HM EQUITY SOLUTIONS |
|---|---|
| Type | Funding / Finance Company |
| Address | RANCHO CORDOVA, CA 95670 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 1008 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 786 CONCHA DR, SEBASTIAN, FL 32958-6604 |
| Document Number | 0030160031 |
| Instrument Date | Apr 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 786 CONCHA DR SEBASTIAN FL 329586604, SEBASTIAN, FL 32958-6604 |
| Document Number | 0030160031 |
|---|---|
| Date | Apr 18, 2017 |
| Book Page | 003016/000031 |
| Instrument | 20488 |
| Name | HUD-HOUSING/URBAN DEV |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.3% |
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 | $4,398.00 (+16.57%) | $274,239 (+5.99%) | $328,872 (+7.06%) Land $66,383 Building $262,489 |
| 2023 | $3,773.00 (+4.6%) | $258,747 (+3%) | $307,175 (+22.28%) Land $57,412 Building $249,763 |
| 2022 | $3,607.00 | $251,211 Land $37,677 Building $213,534 | $251,211 Land $37,677 Building $213,534 |
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 |
|---|---|
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 46% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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