1. Home
  2. Florida
  3. Brevard County
  4. Palm Bay
  5. Commerce Rd SE

1081 Commerce Rd SE, Palm Bay, FL 32909 Property Records

Brevard County property record for 1081 Commerce Rd SE, Palm Bay, FL 32909

Property Summary

Property TypeSingle Family Home
Details1,294 sqft · built 2020
Lot Size0.24 acres (10,454 sqft)
OwnerIndividual Name on File
Last Sale$15,000 (Oct 2019)
Tax Bill$2,551 (2025)
Deeds & MortgagesAug 2020 Sale & Mortgage
Oct 2019 Loan Modification
+ 1 more
Flood ZoneZone X (moderate risk)
APN29-37-07-GN-519-9

Property Details

APN / Parcel Number

Primary APN29-37-07-GN-519-9
Alternative APNs
  • 29-37-07-GN-00519.0-0009.00
  • 2927512

Interior

Stories1 Story
Building Area1,294 sqft Living Area
Gross Area1,758 sqft
1st Floor Area1,294 sqft

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2022
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area10,454 sqft (0.24 acres)
Lot Dimensions125 ft deep x 82 ft wide
Garage TypeAttached
Garage Area440 sqft
PorchFinished/Open Porch

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number2927512
Street Address1081 COMMERCE RD SE
CityPALM BAY
StateFL
Zip32909-4762
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS2
Legal DescriptionPORT MALABAR UNIT 12 LOT 9 BLK 519
Legal Range37E
Legal Township29S
Legal Section07
Legal SubdivisionPORT MALABAR UNIT 12
Legal Block519
Legal Lot Number9
Legal Unit12
JurisdictionBREVARD FL
Township / Civil DivisionPALM BAY
Census Block Group1
Census Block1024
Census Tract71341

Owner

Source: Brevard County assessment roll, APN 29-37-07-GN-519-9, as of August 18, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address1081 COMMERCE RD SE, PALM BAY, FL 32909-4762
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 26, 2020Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
BANK OF ENGLAND
Oct 17, 2019Loan Modification, Mortgage
FIFTH THIRD BK
Oct 17, 2019Grant Deed, Transfer
HB TITLE INC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 17, 2019 · Amount on Record
Deed SaleOct 17, 2019 · Amount on Record
Prior SaleJul 08, 2005 · Amount on Record
Deed Document Number2019227793
Deed Book / Page8566 / 268
Prior Transfer DateDec 02, 1994
Prior Transfer Doc3587003718
Record UpdatedSep 20, 2026

August 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateAug 26, 2020
Property Address1081 COMMERCE RD SE, PALM BAY, FL 32909-4762
Document Number0088362341
Book / Page8836 / 2341
Map ReferenceMB 15 PG 43-53
Instrument DateAug 25, 2020
Instrument2020184495
Transaction TypeSubdivision Related Transfer
Record UpdatedJul 27, 2022
Title CompanyHB TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,330.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2293 W EAU GALLIE BLVD, 2293, MELBOURNE, FL 32935-3184

Transferred To (Grantee/Buyer)

NameVerified Name
Address1081 COMMERCE RD SE, PALM BAY, FL 32909-4762

Mortgage

Document Number0088362343
DateAug 26, 2020
Instrument8836/2343
Lender
NameBANK OF ENGLAND
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2050

October 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBREVARD FL
Property Address1081 COMMERCE RD SE, PALM BAY, FL 32909-4762
Document Number0085660270
Instrument DateOct 17, 2019
Transaction TypeMortgage
Record UpdatedNov 29, 2019
Title CompanyHB TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2293 W EAU GALLIE BLVD MELBOURNE FL 329353184, MELBOURNE, FL 32935-3184

Mortgage

Document Number0085660270
DateOct 17, 2019
Book Page008566/000270
Instrument227794
Lender
NameFIFTH THIRD BK
TypeBank
Address199 E MONTGOMERY AVE, ROCKVILLE, MD 20850-2381
Agreement
AmountAmount Recorded

October 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionBREVARD FL
Recording DateOct 17, 2019
Property Address1081 COMMERCE RD SE, PALM BAY, FL 32909-4762
Document Number0085660268
Book / Page008566 / 000268
Instrument DateOct 17, 2019
Instrument227793
Transaction TypeTransfer
Record UpdatedNov 26, 2019
Title CompanyHB TITLE INC

Transaction

AmountAmount Recorded
Tax$105.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2293 W EAU GALLIE BLVD MELBOURNE FL 329353184, MELBOURNE, FL 32935-3184

Tax Assessment & Valuation

Source: Brevard County assessment roll as of August 18, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBrevard County
MunicipalityPalm Bay City
Unified School DistrictBrevard County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$182,330 (+2.7%)$224,220 (-1.41%)
2025$2,551.00 (+5.28%) Homeowner's exemption$177,540 (+5.98%)$227,430 (+0.34%) Land $42,500 Building $184,930
2023$2,423.00 (+4.13%) Homeowner's exemption$167,520 (+2.99%)$226,650 (+13.17%) Land $36,000 Building $190,650
2022$2,327.00 Homeowner's exemption$162,650$200,280 Land $24,500 Building $175,780

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Brevard County (12009C), as of October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120090713411, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 13 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies13 in force

Wildfire

Wildfire RiskLow
lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, 328 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax 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

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3050442, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemCITY OF PALM BAY
serves 140,750 people
Water SourceGroundwater
Last State InspectionAug 2024
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Jan 2023
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

Nearby Properties on Commerce Rd SE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures