Brevard County property record for 1040 Commerce Rd SE, Palm Bay, FL 32909
| Property Type | Single Family Home |
|---|---|
| Details | 1,890 sqft · built 2016 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $370,000 (Aug 2023) |
| Tax Bill | $4,622 (2025) |
| Deeds & Mortgages | Jan 2023 Line of Credit Aug 2023 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 29-37-07-GN-517-25 |
| Primary APN | 29-37-07-GN-517-25 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,890 sqft Living Area |
| Gross Area | 2,477 sqft |
| 1st Floor Area | 1,890 sqft |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 187 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 2927482 |
|---|---|
| Street Address | 1040 COMMERCE RD SE |
| City | PALM BAY |
| State | FL |
| Zip | 32909-4718 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS2 |
| Legal Description | PORT MALABAR UNIT 12 LOT 25 BLK 517 |
| Legal Range | 37E |
| Legal Township | 29S |
| Legal Section | 07 |
| Legal Subdivision | PORT MALABAR UNIT 12 |
| Legal Block | 517 |
| Legal Lot Number | 25 |
| Legal Unit | 12 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | PALM BAY |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 71341 |
Source: Brevard County assessment roll, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1040 COMMERCE RD SE, PALM BAY, FL 32909-4718 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 25, 2023 | Deed of Trust, Mortgage · Line of Credit HOME POINT FINANCIAL CORPORATION |
| Aug 7, 2023 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE EQUITY PARTNERS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 7, 2023 · Amount on Record |
| Deed Sale | Aug 7, 2023 · Amount on Record |
| Prior Sale | Dec 16, 2016 · Amount on Record |
| Deed Document Number | 2023166078 |
| Deed Book / Page | 9856 / 182 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 1040 COMMERCE RD SE, PALM BAY, FL 32909-4718 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1040 COMMERCE RD SE, PALM BAY, FL 32909-4718 |
| Document Number | 0097030693 |
|---|---|
| Date | Jan 25, 2023 |
| Book Page | 9703/693 |
| Instrument | 2023015188 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 15, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Aug 7, 2023 |
| Property Address | 1040 COMMERCE RD SE, PALM BAY, FL 32909-4718 |
| Document Number | 0098560182 |
| Book / Page | 9856 / 182 |
| Map Reference | MB 15 PG 43-53 |
| Instrument Date | Aug 3, 2023 |
| Instrument | 2023166078 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2025 |
| Title Company | STATE TITLE PARTNERS LLP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,590.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 120 EDDIES WAY, OLD MONROE, MO 63369-2351 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1040 COMMERCE RD SE, PALM BAY, FL 32909-4718 |
| Document Number | 0009856183 |
|---|---|
| Date | Aug 7, 2023 |
| Instrument | 9856/183 |
| Name | MORTGAGE EQUITY PARTNERS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Number | 0098560197 |
|---|---|
| Date | Aug 7, 2023 |
| Book Page | 9856/197 |
| Instrument | 2023166080 |
| Name | MORTGAGE EQUITY PARTNERS LLC |
|---|---|
| Type | Mortgage Company |
| Address | 02194 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Brevard County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Brevard County |
| Municipality | Palm Bay City |
| Unified School District | Brevard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $290,440 (-0.6%) | $290,440 (-0.6%) | |
| 2025 | $4,622.00 (+67.22%) Homeowner's exemption | $292,200 (+57.15%) Land $42,500 Building $249,700 | $292,200 (+0.43%) Land $42,500 Building $249,700 |
| 2023 | $2,764.00 (+3.91%) Homeowner's exemption | $185,940 (+3%) | $290,960 (+14.59%) Land $36,000 Building $254,960 |
| 2022 | $2,660.00 Homeowner's exemption | $180,530 | $253,920 Land $24,500 Building $229,420 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective October 8, 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 |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 13 in force |
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 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF PALM BAY serves 140,750 people · EPA ID FL3050442 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jan 2023 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 328 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wire 3 Holdings Fiber | 10,000 / 10,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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