Brevard County property record for 1091 Commerce Rd SE, Palm Bay, FL 32909
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,292 sqft · built 1991 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $175,000 (Nov 2019) |
| Tax Bill | $2,173 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Jun 2025 Second Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 29-37-07-GN-519-10 |
| Primary APN | 29-37-07-GN-519-10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,292 sqft Living Area |
| Gross Area | 1,896 sqft |
| 1st Floor Area | 1,292 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Composition/Composite |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 224 sqft |
| Patio Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2927513 |
|---|---|
| Street Address | 1091 COMMERCE RD SE |
| City | PALM BAY |
| State | FL |
| Zip | 32909-4762 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS2 |
| Legal Description | PORT MALABAR UNIT 12 LOT 10 BLK 519 |
| Legal Range | 37E |
| Legal Township | 29S |
| Legal Section | 07 |
| Legal Subdivision | PORT MALABAR UNIT 12 |
| Legal Block | 519 |
| Legal Lot Number | 10 |
| Legal Unit | 12 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | PALM BAY |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 71341 |
Source: Brevard County records · APN 29-37-07-GN-519-10
Assessment roll updated 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 Record | Individual Name on File |
|---|---|
| Mailing Address | 1091 COMMERCE RD SE, PALM BAY, FL 32909-4762 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 02, 2021 | Deed of Trust, Mortgage · FHA Mortgage PLAZA HOME MORTGAGE INC |
| Jun 17, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Nov 22, 2019 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Jul 31, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 22, 2019 · Amount on Record |
| Deed Sale | Nov 22, 2019 · Amount on Record |
| Prior Sale | Jan 11, 2002 · Amount on Record |
| Deed Document Number | 2019256444 |
| Deed Book / Page | 8596 / 2868 |
| Prior Transfer Date | Oct 30, 2006 |
| Prior Transfer Doc | 0057248174 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 1091 COMMERCE RD SE, PALM BAY, FL 32909-4762 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1091 COMMERCE RD SE, PALM BAY, FL 32909-4762 |
| Document Number | 0090011636 |
|---|---|
| Date | Feb 02, 2021 |
| Book Page | 9001/1636 |
| Instrument | 2021025563 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | JACKSONVILLE, FL 32256 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 1091 COMMERCE RD SE, PALM BAY, FL 32909-4762 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1091 COMMERCE RD SE, PALM BAY, FL 32909-4762 |
| Document Number | 0103621408 |
|---|---|
| Date | Jun 17, 2025 |
| Book Page | 10362/1408 |
| Instrument | 2025121903 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 01, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Nov 22, 2019 |
| Property Address | 1091 COMMERCE RD SE, PALM BAY, FL 32909-4762 |
| Document Number | 0085962868 |
| Book / Page | 008596 / 002868 |
| Instrument Date | Nov 22, 2019 |
| Instrument | 256444 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,225.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1091 COMMERCE RD SE PALM BAY FL 329094762, PALM BAY, FL 32909-4762 |
| Document Number | 85962870 |
|---|---|
| Date | Nov 22, 2019 |
| Book Page | 008596/002870 |
| Instrument | 256445 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 21, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Jul 31, 2017 |
| Property Address | 1091 COMMERCE RD SE, PALM BAY, FL 32909-4762 |
| Document Number | 0079481617 |
| Book / Page | 007948 / 001617 |
| Instrument Date | Jul 27, 2017 |
| Instrument | 158656 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1091 COMMERCE RD SE PALM BAY FL 329094762, PALM BAY, FL 32909-4762 |
Source: Brevard County records · Assessment roll updated August 18, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Brevard County |
| Municipality | Palm Bay City |
| Unified School District | Brevard County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $160,850 (+2.69%) | $199,510 (+0.52%) | |
| 2025 | $2,173.00 (+2.69%) Homeowner's exemption | $156,630 (+5.98%) | $198,480 (+0.4%) |
| 2024 | $2,116.00 (+2.77%) | ||
| 2023 | $2,059.00 (+4.57%) Homeowner's exemption | $147,790 (+3%) | $197,690 (+11.84%) Land $36,000 Building $161,690 |
| 2022 | $1,969.00 Homeowner's exemption | $143,490 | $176,760 Land $24,500 Building $152,260 |
Source: FEMA National Flood Hazard Layer as of October 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
Based on FCC filings for 328 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF PALM BAY serves 140,750 people |
|---|---|
| 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 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.
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