986 Lance St, Sebastian, FL 32958 Property Records

Indian River County property record for 986 Lance St, Sebastian, FL 32958

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,176 sqft · built 1980
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Jan 2019)
Tax Bill	$562 (2025)
Deeds & Mortgages	Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-39-18-00004-6260-00016.0`

Property Details

APN / Parcel Number

Primary APN	`31-39-18-00004-6260-00016.0`
Alternative APN	`33758`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
1st Floor Area	1,176 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2000
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.189 acres)
Lot Dimensions	105 ft deep x 80 ft wide
Garage Area	273 sqft
Driveway	Driveway
Driveway Area	400 sqft
Porch	Finished/Screened Porch
Porch Area	159 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	33758
Street Address	986 LANCE ST
City	SEBASTIAN
State	FL
Zip	32958-5320
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 626 LOT 16
Legal Range	39
Legal Township	31
Legal Section	18
Legal Subdivision	SEBASTIAN HIGHLANDS SUB UNIT 9 REPLAT
Legal Block	626
Legal Lot Number	16
Legal Unit	9
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	2
Census Block	2024
Census Tract	50805

Owner

986 Lance St is owned and occupied by an individual who bought it in January 2019.

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

Owner of Record	Individual Name on File
Mailing Address	986 LANCE ST, SEBASTIAN, FL 32958-5320
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	Name on Deed
Last Sale	Jan 30, 2019 · Amount on File
Deed Sale	Jan 30, 2019 · Amount on File
Prior Sale	May 27, 2004 · Amount on File
Deed Document Number	3120190006124
Deed Book / Page	3180 / 2218
Record Updated	Jun 8, 2026

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Jan 30, 2019
Property Address	986 LANCE ST, SEBASTIAN, FL 32958-5320
Document Number	0031802218
Book / Page	003180 / 002218
Instrument Date	Jan 28, 2019
Instrument	6124
Transaction Type	Transfer
Record Updated	Feb 7, 2019
Title Company	PROFESSIONAL TITLE/INDIAN RIVE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	986 LANCE ST SEBASTIAN FL 329585320, SEBASTIAN, FL 32958-5320

Mortgage

Document Number	31802219
Date	Jan 30, 2019
Book Page	003180/002219
Instrument	6125

Lender

Name	US MTG/FL
Type	Mortgage Company
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 29, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 986 Lance St was $562.

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	$562.00	$157,791	$220,435 Land $32,556 Building $187,879
2023	$271.00 (+1.5%)	$148,878 (+3%)	$228,130 (+21.08%) Land $32,556 Building $195,574
2022	$267.00	$144,542	$188,408 Land $23,254 Building $165,154

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

Flood

FEMA maps place 986 Lance St in Zone X, an area of minimal flood risk, within 500 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 500 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

The area around 986 Lance St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 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