Indian River County property record for 949 Beach Ln, Sebastian, FL 32958
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,148 sqft · built 1979 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $132,000 (May 2016) |
| Tax Bill | $2,266 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Feb 2020 Line of Credit + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 31-39-18-00004-6220-00007.0 |
| Primary APN | 31-39-18-00004-6220-00007.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,148 sqft Living Area |
| Gross Area | 1,646 sqft |
| 1st Floor Area | 1,148 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Custom Design |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 123 ft deep x 80 ft wide |
| View / Lot | Canal/Waterfront |
| Garage Type | Attached |
| Garage Area | 330 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 300 sqft |
| Porch | Screened Porch |
| Porch Area | 348 sqft |
| Utility Building | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 949 BEACH LN |
|---|---|
| City | SEBASTIAN |
| State | FL |
| Zip | 32958-5303 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-10 |
| Legal Description | SECOND REPLAT IN SEBASTIAN HIGHLANDS UNIT-9 FIRST REPLAT IN SEBASTIAN HIGHLANDS UNIT-16 PBI 8 - 71 BLK 622 LOT 7 |
| Legal Range | 39E |
| Legal Township | 31S |
| Legal Section | 18 |
| Legal Subdivision | SECOND / FIRST REPLAT IN SEBASTIAN HIGHL |
| Legal Block | 622 |
| Legal Lot Number | 7 |
| Legal Unit | 9 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 50805 |
949 Beach Ln is owned and occupied by two individuals who bought it in May 2016.
Source: Indian River County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 949 BEACH LN, SEBASTIAN, FL 32958-5303 |
| 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.
| Date | Document |
|---|---|
| Aug 23, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Feb 18, 2020 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jul 23, 2018 | Warranty Deed, Transfer · Conventional Mortgage UNITED TELETECH FIN'L FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 19, 2016 · Amount on File |
| Deed Sale | May 19, 2016 · Amount on File |
| Prior Sale | Jan 19, 2016 · Amount on File |
| Deed Document Number | 201628800 |
| Deed Book / Page | 2935 / 1967 |
| Prior Transfer Date | Jul 30, 2015 |
| Prior Transfer Doc | 0028661628 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 949 BEACH LN, SEBASTIAN, FL 32958-5303 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2022 |
| Name | Verified Name |
|---|---|
| Address | 949 BEACH LN, SEBASTIAN, FL 32958-5303 |
| Document Number | 0035652149 |
|---|---|
| Date | Aug 23, 2022 |
| Book Page | 3565/2149 |
| Instrument | 3120220052155 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Jul 25, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 949 BEACH LN, SEBASTIAN, FL 32958-5303 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0032780309 |
|---|---|
| Date | Feb 18, 2020 |
| Book Page | 3278/309 |
| Instrument | 3120200010131 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | SEBASTIAN, FL 32958 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Feb 4, 2060 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Jul 23, 2018 |
| Property Address | 949 BEACH LN, SEBASTIAN, FL 32958-5303 |
| Document Number | 0031342280 |
| Book / Page | 003134 / 002280 |
| Instrument Date | Jul 13, 2018 |
| Instrument | 45035 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2018 |
| Title Company | FLORIDA TITLE AND GUARANTEE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,182.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 949 BEACH LN SEBASTIAN FL 329585303, SEBASTIAN, FL 32958-5303 |
| Document Number | 31342282 |
|---|---|
| Date | Jul 23, 2018 |
| Book Page | 003134/002282 |
| Instrument | 45036 |
| Name | UNITED TELETECH FIN'L FCU |
|---|---|
| Type | Credit Union |
| Address | TINTON FALLS, NJ 07724 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 22, 2048 |
The 2025 property tax bill for 949 Beach Ln was $2,266 with exemptions applied.
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 | $2,266.00 Homeowner's exemption Disabled Person's exemption | $155,023 | $203,788 Land $37,026 Building $166,762 |
| 2023 | $1,805.00 (-2.96%) | $146,266 (+3%) | $202,650 (+15.08%) Land $28,611 Building $174,039 |
| 2022 | $1,860.00 | $142,006 | $176,089 Land $28,611 Building $147,478 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 949 Beach Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective May 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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 risk around 949 Beach Ln is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 153 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 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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