109 Surf Dr, Cocoa Beach, FL 32931 Property Records

Brevard County property record for 109 Surf Dr, Cocoa Beach, FL 32931

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,674 sqft · built 1960
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Sep 2014)
Tax Bill	$3,381 (2025)
Deeds & Mortgages	May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-37-34-CK-3-3`

Property Details

APN / Parcel Number

Primary APN	`24-37-34-CK-3-3`
Alternative APNs	`24-37-34-CK-00003.0-0003.00` `2440060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,674 sqft Living Area
Gross Area	3,275 sqft
1st Floor Area	2,674 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1997
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	100 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	336 sqft
Porch	Finished/Open Porch
Porch Area	265 sqft
Patio Area	324 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2440060
Street Address	109 SURF DR
City	COCOA BEACH
State	FL
Zip	32931-3309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS1
Legal Description	OCEAN TERRACE LOT 3 BLK 3
Legal Range	37E
Legal Township	24S
Legal Section	34
Legal Subdivision	OCEAN TERRACE
Legal Block	3
Legal Lot Number	3
Jurisdiction	BREVARD FL
Township / Civil Division	COCOA BEACH-CAPE CANAVERAL
Census Block Group	4
Census Block	4001
Census Tract	71700

Owner

Source: Brevard County records, as of August 18, 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	109 SURF DR, COCOA BEACH, FL 32931-3309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2014 · Amount on Record
Deed Sale	Sep 16, 2014 · Amount on Record
Deed Document Number	2014184133
Deed Book / Page	7209 / 253
Prior Transfer Date	Sep 12, 2014
Prior Transfer Doc	0072090250
Record Updated	Sep 20, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	109 SURF DR, COCOA BEACH, FL 32931-3309
Document Number	0084822169
Instrument Date	May 31, 2019
Transaction Type	Mortgage
Record Updated	Aug 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 SURF DR COCOA BEACH FL 329313309, COCOA BEACH, FL 32931-3309

Mortgage

Document Number	0084822169
Date	Jul 9, 2019
Book Page	008482/002169
Instrument	147952

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 8, 2034

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Brevard County
Municipality	Cocoa Beach City
Unified School District	Brevard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$255,150 (+2.7%)	$662,500 (-0.31%)
2025	$3,381.00 (+2.02%) Homeowner's exemption	$248,450 (+5.98%)	$664,580 (-5.4%)
2024	$3,314.00 (+2.22%)
2023	$3,242.00 (+7.96%) Homeowner's exemption	$234,420 (+2.92%)	$702,490 (+23.76%) Land $320,000 Building $382,490
2022	$3,003.00 Homeowner's exemption	$227,780	$567,620 Land $320,000 Building $247,620

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 October 8, 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 225 individual policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2,889 units insured incl. 2,664 condo units
Nearby Flood Claims	31 (2008–2017)
Claims Outside the SFHA	27 of 31
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 6 claims Tropical Storm Fay, Aug 2008 · 24 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	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	CITY OF COCOA serves 294,039 people · EPA ID FL3050223
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	2 ppb (2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20