938 Lance St, Sebastian, FL 32958 Property Records

Indian River County property record for 938 Lance St, Sebastian, FL 32958

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 904 sqft · built 1975
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$105,000 (Oct 2015)
Tax Bill	$1,355 (2025)
Deeds & Mortgages	Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-39-18-00001-4160-00025.0`

Property Details

APN / Parcel Number

Primary APN	`31-39-18-00001-4160-00025.0`
Alternative APN	`33330`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	904 sqft Living Area
1st Floor Area	904 sqft
Utility Area	56 sqft
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1995
Exterior Material	Fiber Cement Siding
Construction Type	Wood Frame
Foundation Type	Pile
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	200 sqft
Driveway	Driveway
Driveway Area	450 sqft

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	200 sqft
Fence	Fence
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	33330
Street Address	938 LANCE ST
City	SEBASTIAN
State	FL
Zip	32958-5338
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-10
Legal Description	SEBASTIAN HIGHLANDS UNIT 09 BLK 416 LOT 25 PBI 6-36A
Legal Range	39
Legal Township	31
Legal Section	18
Legal Subdivision	SEBASTIAN HIGHLANDS UNIT 9
Legal Block	416
Legal Lot Number	25
Legal Unit	9
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	2
Census Block	2022
Census Tract	50805

Owner

938 Lance St is owned and occupied by an individual who bought it in October 2015.

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	938 LANCE ST, SEBASTIAN, FL 32958-5338
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2015 · Amount on File
Deed Sale	Oct 20, 2015 · Amount on File
Prior Sale	Oct 15, 2012 · Amount on File
Deed Document Number	3120150063394
Deed Book / Page	2886 / 0923
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	938 LANCE ST, SEBASTIAN, FL 32958-5338
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	938 LANCE ST, SEBASTIAN, FL 32958-5338

Mortgage

Document Number	0034971736
Date	Dec 29, 2021
Book Page	3497/1736
Instrument	3120210088860

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 938 Lance St was $1,355.

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	$1,355.00	$89,830	$179,422 Land $29,787 Building $149,635
2023	$977.00 (+7.36%)	$84,755 (+4.53%)	$183,834 (+21.11%) Land $29,787 Building $154,047
2022	$910.00	$81,081	$151,796 Land $21,276 Building $130,520

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

Flood

FEMA maps place 938 Lance St 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 95 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	95 in force
Nearby Flood Claims	9 (1999–2013)
Claims Outside the SFHA	7 of 9
Most Recent Claim	Sep 2013 · rainfall accumulation
Claims by Event	Hurricane Frances, Sep 2004 · 7 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 938 Lance St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% 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.

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 216 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20