Indian River County property record for 826 Lorca Ave, Sebastian, FL 32958
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,850 sqft · built 2017 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $229,900 (Nov 2017) |
| Tax Bill | $3,871 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Mar 2024 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-38-13-00003-1420-00003.0 |
| Primary APN | 31-38-13-00003-1420-00003.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,850 sqft Living Area |
| Gross Area | 2,250 sqft |
| 1st Floor Area | 1,850 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Concrete Block |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| View / Lot | Interior |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 480 sqft |
| Porch | Open Porch |
| Patio Area | 36 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 826 LORCA AVE |
|---|---|
| City | SEBASTIAN |
| State | FL |
| Zip | 32958-5118 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-10 |
| Legal Description | SEBASTIAN HIGHLANDS UNIT 03 BLK 142 LOT 3 PBI 5-99 |
| Legal Range | 38E |
| Legal Township | 31S |
| Legal Section | 13 |
| Legal Subdivision | SEBASTIAN HIGHLANDS UNIT THREE |
| Legal Block | 142 |
| Legal Lot Number | 3 |
| Legal Unit | 3 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 50807 |
Source: Indian River County records, as of December 8, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 826 LORCA AVE, SEBASTIAN, FL 32958-5118 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 1, 2024 | Deed of Trust, Mortgage · Loan Assumption FLAGSTAR BANK FSB |
| Mar 21, 2024 | Intrafamily Transfer, Transfer |
| Jun 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Nov 29, 2017 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FBC MORTGAGE LLC |
| Feb 24, 2017 | Loan Modification, Consolidation and Extension, Mortgage ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 29, 2017 · Amount on Record |
| Deed Sale | Nov 29, 2017 · Amount on Record |
| Prior Sale | Oct 31, 2016 · Amount on Record |
| Deed Document Number | 201768289 |
| Deed Book / Page | 3073 / 1432 |
| Last Transfer Date | Mar 29, 2023 |
| Transfer Doc | 0036851137 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 826 LORCA AVE, SEBASTIAN, FL 32958-5118 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0036870905 |
|---|---|
| Date | Apr 1, 2024 |
| Book Page | 3687/905 |
| Instrument | 3120240014890 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | 5151 CORPORATE DR, TROY, MI 48098 |
| Type | Loan Assumption |
|---|---|
| Amount | Amount Recorded |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Mar 21, 2024 |
| Property Address | 826 LORCA AVE, SEBASTIAN, FL 32958-5118 |
| Document Number | 0036851137 |
| Book / Page | 3685 / 1137 |
| Map Reference | MB 5 PG 99 |
| Instrument Date | Mar 29, 2023 |
| Instrument | 3120240013261 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 826 LORCA AVE, SEBASTIAN, FL 32958-5118 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 826 LORCA AVE, SEBASTIAN, FL 32958-5118 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WATSON TITLE SERVICES INC |
| Name | Verified Name |
|---|
| Document Number | 0033111285 |
|---|---|
| Date | Jun 19, 2020 |
| Book Page | 3311/1285 |
| Instrument | 3120200034423 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Nov 29, 2017 |
| Property Address | 826 LORCA AVE, SEBASTIAN, FL 32958-5118 |
| Document Number | 0030731432 |
| Book / Page | 3073 / 1432 |
| Map Reference | MB5 PG99 |
| Instrument Date | Nov 22, 2017 |
| Instrument | 3120170068289 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 6, 2021 |
| Title Company | MOSLEY & WALLIS TITLE SVCS I |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,609.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 826 LORCA AVE, SEBASTIAN, FL 32958-5118 |
| Document Number | 3120170068290 |
|---|---|
| Date | Nov 29, 2017 |
| Instrument | 3120170068290 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2047 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 826 LORCA AVE, SEBASTIAN, FL 32958-5118 |
| Document Number | 0030041895 |
| Instrument Date | Feb 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3000 GULF BREEZE PKWY GULF BREEZE FL 325635623, GULF BREEZE, FL 32563-5623 |
| Investor | Possibly a Property Investor |
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 | $3,871.00 (+17.7%) Homeowner's exemption | $242,298 (+5.99%) | $335,920 (+5.28%) Land $57,800 Building $278,120 |
| 2023 | $3,289.00 (+4.65%) | $228,610 (+3%) | $319,066 (+7.41%) Land $49,300 Building $269,766 |
| 2022 | $3,143.00 | $221,952 | $297,051 Land $34,000 Building $263,051 |
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 58 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 58 in force |
| Nearby Flood Claims | 6 (1979–2017) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Feb 2017 |
| 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 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 398 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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