855 Bermuda Ave, Sebastian, FL 32958 Property Records

Indian River County property record for 855 Bermuda Ave, Sebastian, FL 32958

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,821 sqft · built 2022
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$278,000 (Mar 2022)
Tax Bill	$5,600 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Nov 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-38-13-00003-1470-00009.0`

Property Details

APN / Parcel Number

Primary APN	`31-38-13-00003-1470-00009.0`
Alternative APN	`19938`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Building Area	1,821 sqft Living Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Area	420 sqft
Driveway	Driveway
Driveway Area	768 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	19938
Street Address	855 BERMUDA AVE
City	SEBASTIAN
State	FL
Zip	32958-5101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-10
Legal Description	SEBASTIAN HIGHLANDS UNIT 03 BLK 147 LOT 9 PBI 5-99
Legal Range	38
Legal Township	31
Legal Section	13
Legal Subdivision	SEBASTIAN HIGHLANDS UNIT THREE
Legal Block	147
Legal Lot Number	9
Legal Unit	3
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1052
Census Tract	50807

Owner

855 Bermuda Ave is owned and occupied by an individual who bought it in March 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	855 BERMUDA AVE, SEBASTIAN, FL 32958-5101
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
Mar 3, 2022	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 6, 2020	Loan Modification, Mortgage FIFTH THIRD BK
Nov 6, 2020	Warranty Deed, Transfer FIRST INT'L TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2022 · Amount on File
Deed Sale	Mar 3, 2022 · Amount on File
Prior Sale	Nov 6, 2020 · Amount on File
Deed Document Number	3120220013759
Deed Book / Page	3517 / 735
Record Updated	Jun 8, 2026

March 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Mar 3, 2022
Property Address	855 BERMUDA AVE, SEBASTIAN, FL 32958-5101
Document Number	0035170735
Book / Page	3517 / 735
Map Reference	MB 5 PG 99
Instrument Date	Feb 25, 2022
Instrument	3120220013759
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 26, 2024
Title Company	E-TITLE SERVICES LLC, E TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,946.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2293 W EAU GALLIE BLVD, MELBOURNE, FL 32935-3184

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	855 BERMUDA AVE, SEBASTIAN, FL 32958-5101

Mortgage

Document Number	0003517737
Date	Mar 3, 2022
Instrument	3517/737

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	INDIAN RIVER FL
Property Address	855 BERMUDA AVE, SEBASTIAN, FL 32958-5101
Document Number	0033541771
Instrument Date	Nov 6, 2020
Transaction Type	Mortgage
Record Updated	Jan 11, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2293 W EAU GALLIE BLVD MELBOURNE FL 329353184, MELBOURNE, FL 32935-3184

Mortgage

Document Number	0033541771
Date	Nov 6, 2020
Book Page	003354/001771
Instrument	67159

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	11810 GRAND PARK AVE # 500, ROCKVILLE, MD 20852-8679

Agreement

Amount	Amount on Record

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Nov 6, 2020
Property Address	855 BERMUDA AVE, SEBASTIAN, FL 32958-5101
Document Number	0033541769
Book / Page	003354 / 001769
Instrument Date	Nov 6, 2020
Instrument	67158
Transaction Type	Transfer
Record Updated	Dec 8, 2020
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount on Record
Tax	$273.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2293 W EAU GALLIE BLVD MELBOURNE FL 329353184, MELBOURNE, FL 32935-3184

Tax Assessment & Valuation

The 2025 property tax bill for 855 Bermuda Ave was $5,600.

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	$5,600.00	$305,333 Land $57,800 Building $247,533	$305,333 Land $57,800 Building $247,533
2023	$2,844.00 (+338.89%)	$200,890 (+490.85%)	$289,280 (+750.82%) Land $49,300 Building $239,980
2022	$648.00	$34,000 Land $34,000	$34,000 Land $34,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 855 Bermuda Ave in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

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 File 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	Hurricane Frances, Sep 2004 · 4 claims

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 855 Bermuda Ave is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% 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 362 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	100 / 20

May also be available: T-Mobile.

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