965 Carnation Dr, Sebastian, FL 32958 Property Records

Indian River County property record for 965 Carnation Dr, Sebastian, FL 32958

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,860 sqft · built 2021
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$263,000 (Mar 2021)
Tax Bill	$4,811 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Nov 2017 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-38-13-00001-1810-00014.0`

Property Details

APN / Parcel Number

Primary APN	`31-38-13-00001-1810-00014.0`
Alternative APN	`18811`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,860 sqft Living Area
Gross Area	2,280 sqft
1st Floor Area	1,860 sqft
Flooring	Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	125 ft deep x 90 ft wide
View / Lot	Corner
Garage Type	Attached
Garage Area	420 sqft
Driveway	Driveway
Driveway Area	880 sqft
Pool Area	450 sqft
Porch	Open Porch
Patio Area	710 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	965 CARNATION DR
City	SEBASTIAN
State	FL
Zip	32958-4905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-10
Legal Description	SEBASTIAN HIGHLANDS UNIT 6 BLK 181 LOT 14 PBI 5-93
Legal Range	38E
Legal Township	31S
Legal Section	13
Legal Subdivision	SEBASTIAN HIGHLANDS UNIT 6
Legal Block	181
Legal Lot Number	14
Legal Unit	6
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	1
Census Block	1023
Census Tract	50806

Owner

Source: Indian River County records, as of March 6, 2026

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	2 Individual Names on Record
Mailing Address	965 CARNATION DR, SEBASTIAN, FL 32958-4905
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2021	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Nov 27, 2017	Loan Modification, Mortgage · Line of Credit STERN JAY & MICHELLE
Aug 24, 2017	Warranty Deed, Transfer PROFESSIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2021 · Amount on Record
Deed Sale	Mar 25, 2021 · Amount on Record
Prior Sale	Aug 24, 2017 · Amount on Record
Deed Document Number	202120881
Deed Book / Page	3402 / 2173
Prior Transfer Date	Sep 4, 2003
Prior Transfer Doc	1634001078
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Mar 25, 2021
Property Address	965 CARNATION DR, SEBASTIAN, FL 32958-4905
Document Number	0034022173
Book / Page	3402 / 2173
Map Reference	MB 5 PG 93-97
Instrument Date	Mar 23, 2021
Instrument	3120210020881
Transaction Type	Transfer
Record Updated	Feb 14, 2023
Title Company	PROFESSIONAL TITLE, PROFESSIONAL TTL OF TREASURE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,841.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650249, VERO BEACH, FL 32965-0249

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	965 CARNATION DR, SEBASTIAN, FL 32958-4905

Mortgage

Document Number	0034022174
Date	Mar 25, 2021
Instrument	3402/2174

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	INDIAN RIVER FL
Recording Date	Nov 27, 2017
Property Address	965 CARNATION DR, SEBASTIAN, FL 32958-4905
Document Number	0030721433
Book / Page	003072 / 001433
Instrument Date	Nov 17, 2017
Instrument	67443
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2041 GREY FALCON CIR SW VERO BEACH FL 329628617, VERO BEACH, FL 32962-8617

Mortgage

Document Number	30721433
Date	Nov 27, 2017
Book Page	003072/001433
Instrument	67443

Lender

Name	STERN JAY & MICHELLE
Address	2041 GREY FALCON CIR SW, VERO BEACH, FL 32962-8617

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Aug 24, 2017
Property Address	965 CARNATION DR, SEBASTIAN, FL 32958-4905
Document Number	0030502478
Book / Page	003050 / 002478
Instrument Date	Aug 10, 2017
Instrument	49685
Transaction Type	Transfer
Record Updated	Sep 13, 2017
Title Company	PROFESSIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$157.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 650249 VERO BEACH FL 329650249, VERO BEACH, FL 32965-0249

Tax Assessment & Valuation

Source: Indian River County assessment roll, as of December 8, 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	$4,811.00 (+15.98%)	$304,266 (+5.99%)	$357,577 (+2.28%) Land $65,025 Building $292,552
2023	$4,148.00 (+2.78%)	$287,078 (+3%)	$349,618 (+25.44%) Land $63,113 Building $286,505
2022	$4,036.00	$278,716 Land $40,163 Building $238,553	$278,716 Land $40,163 Building $238,553

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

Flood

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 121 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	121 in force
Nearby Flood Claims	51 (1984–2016)
Claims Outside the SFHA	5 of 51
Most Recent Claim	Oct 2016 · Hurricane Matthew
Claims by Event	Hurricane Frances, Sep 2004 · 42 claims Hurricane Irene, Oct 1999 · 3 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% 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.

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

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

May also be available: Verizon.

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