Indian River County property record for 838 Cain St, Sebastian, FL 32958
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,422 sqft · built 1988 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $180,000 (Jul 2018) |
| Tax Bill | $2,883 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Dec 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-38-01-00003-0520-00020.0 |
| Primary APN | 31-38-01-00003-0520-00020.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,422 sqft Living Area |
| Gross Area | 2,085 sqft |
| 1st Floor Area | 1,422 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Custom Design |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 125 ft deep x 105 ft wide |
| View / Lot | Corner |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 640 sqft |
| Porch | Screened Porch |
| Porch Area | 42 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 838 CAIN ST |
|---|---|
| City | SEBASTIAN |
| State | FL |
| Zip | 32958-4816 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-10 |
| Legal Description | SEBASTIAN HIGHLANDS UNIT 02 BLK 52 LOT 20 PBI 5-36 |
| Legal Range | 38E |
| Legal Township | 31S |
| Legal Section | 01 |
| Legal Subdivision | SEBASTIAN HIGHLANDS UNIT 2 |
| Legal Block | 52 |
| Legal Lot Number | 20 |
| Legal Unit | 2 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 50807 |
Source: Indian River County records, as of May 29, 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 |
|---|---|
| Mailing Address | 838 CAIN ST, SEBASTIAN, FL 32958-4816 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SPACE COAST CREDIT UNION |
| Dec 13, 2021 | Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC |
| Apr 30, 2020 | Deed of Trust, Mortgage · FHA Mortgage TEXAS BANK FINANCIAL |
| Jul 5, 2018 | Warranty Deed, Transfer CENDERA BK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 5, 2018 · Amount on Record |
| Deed Sale | Jul 5, 2018 · Amount on Record |
| Prior Sale | Mar 29, 2016 · Amount on Record |
| Deed Document Number | 201841362 |
| Deed Book / Page | 3130 / 1926 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | May 18, 2026 |
| Property Address | 838 CAIN ST, SEBASTIAN, FL 32958-4816 |
| Document Number | 0000023671 |
| Book / Page | 3861 / 54 |
| Instrument Date | May 6, 2026 |
| Instrument | 202623671 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 838 CAIN ST, SEBASTIAN, FL 32958-4816 |
| Document Number | 0000023671, |
|---|---|
| Date | May 18, 2026 |
| Book Page | 3861/54 |
| Instrument | 202623671 |
| Name | SPACE COAST CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 25, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 838 CAIN ST, SEBASTIAN, FL 32958-4816 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034911618 |
|---|---|
| Date | Dec 13, 2021 |
| Book Page | 3491/1618 |
| Instrument | 3120210084858 |
| Name | AMERIHOME MORTGAGE COMPANY LLC |
|---|---|
| Type | Mortgage Company |
| Address | THOUSAND OAKS, CA 91362 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 838 CAIN ST, SEBASTIAN, FL 32958-4816 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2021 |
| Title Company | PROFESSIONAL TTL OF INDIAN R |
| Name | Verified Name |
|---|
| Document Number | 0032962122 |
|---|---|
| Date | Apr 30, 2020 |
| Book Page | 3296/2122 |
| Instrument | 3120200024075 |
| Name | TEXAS BANK FINANCIAL |
|---|---|
| Type | Bank |
| Address | FORT WORTH, TX 76109 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Jul 5, 2018 |
| Property Address | 838 CAIN ST, SEBASTIAN, FL 32958-4816 |
| Document Number | 0031301926 |
| Book / Page | 003130 / 001926 |
| Instrument Date | Jun 21, 2018 |
| Instrument | 41362 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2018 |
| Title Company | PROFESSIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,260.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 838 CAIN ST SEBASTIAN FL 329584816, SEBASTIAN, FL 32958-4816 |
| Document Number | 31301927 |
|---|---|
| Date | Jul 5, 2018 |
| Book Page | 003130/001927 |
| Instrument | 41363 |
| Name | CENDERA BK NA |
|---|---|
| Type | Bank |
| Address | BELLS, TX 75414 |
| Amount | Amount Recorded |
|---|---|
| Term | 300 Months |
| Due | Jul 4, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.99% |
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 | $2,883.00 (+21.03%) Homeowner's exemption | $182,452 (+5.99%) | $263,652 (-0.93%) Land $78,094 Building $185,558 |
| 2023 | $2,382.00 (+4.75%) | $172,145 (+3%) | $266,118 (+16.27%) Land $78,094 Building $188,024 |
| 2022 | $2,274.00 | $167,131 | $228,887 Land $53,550 Building $175,337 |
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 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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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