Indian River County property record for 985 Laredo Ln, Sebastian, FL 32958
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,686 sqft · built 1980 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $166,000 (Nov 2018) |
| Tax Bill | $3,015 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Nov 2018 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 31-39-18-00004-6230-00017.0 |
| Primary APN | 31-39-18-00004-6230-00017.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,686 sqft Living Area |
| Gross Area | 1,950 sqft |
| 1st Floor Area | 1,686 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 100 ft deep x 79.9 ft wide |
| View / Lot | Interior |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 400 sqft |
| Porch | Open Porch |
| Porch Area | 36 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 985 LAREDO LN |
|---|---|
| City | SEBASTIAN |
| State | FL |
| Zip | 32958-5323 |
| 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 623 LOT 17 |
| Legal Range | 39E |
| Legal Township | 31S |
| Legal Section | 18 |
| Legal Subdivision | SECOND / FIRST REPLAT IN SEBASTIAN HIGHL |
| Legal Block | 623 |
| Legal Lot Number | 17 |
| Legal Unit | 9 |
| Jurisdiction | INDIAN RIVER FL |
| Township / Civil Division | VERO BEACH |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 50805 |
Source: Indian River County records, as of December 8, 2025
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 | 985 LAREDO LN, SEBASTIAN, FL 32958-5323 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 24, 2020 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 9, 2018 | Warranty Deed, Transfer · VA Mortgage TD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 9, 2018 · Amount on Record |
| Deed Sale | Nov 9, 2018 · Amount on Record |
| Prior Sale | Oct 29, 2012 · Amount on Record |
| Deed Document Number | 201868423 |
| Deed Book / Page | 3162 / 1376 |
| Prior Transfer Date | Sep 4, 2012 |
| Prior Transfer Doc | 0026151079 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Property Address | 985 LAREDO LN, SEBASTIAN, FL 32958-5323 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 985 LAREDO LN, SEBASTIAN, FL 32958-5323 |
| Document Number | 0033600359 |
|---|---|
| Date | Nov 24, 2020 |
| Book Page | 3360/359 |
| Instrument | 3120200070945 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | INDIAN RIVER FL |
| Recording Date | Nov 9, 2018 |
| Property Address | 985 LAREDO LN, SEBASTIAN, FL 32958-5323 |
| Document Number | 0031621376 |
| Book / Page | 3162 / 1376 |
| Map Reference | MB8 PG71 |
| Instrument Date | Nov 8, 2018 |
| Instrument | 3120180068423 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2022 |
| Title Company | ALLIANCE TITLE OF THE TREASU |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,162.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1343 THORNHILL LN, 1343, SEBASTIAN, FL 32958-6263 |
| Name | Verified Name |
|---|---|
| Address | 985 LAREDO LN, SEBASTIAN, FL 32958-5323 |
| Investor | Possibly a Property Investor |
| Document Number | 3120180068424 |
|---|---|
| Date | Nov 9, 2018 |
| Instrument | 3120180068424 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2048 |
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 | $3,015.00 (+20.5%) Homeowner's exemption | $190,413 (+5.99%) | $258,791 (-3.49%) Land $31,730 Building $227,061 |
| 2023 | $2,502.00 (+4.69%) | $179,656 (+3%) | $268,139 (+20.62%) Land $31,730 Building $236,409 |
| 2022 | $2,390.00 | $174,424 | $222,304 Land $22,664 Building $199,640 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures