1096 Sandy Ln NE, Palm Bay, FL 32905 Property Records

Brevard County property record for 1096 Sandy Ln NE, Palm Bay, FL 32905

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,840 sqft · built 1960
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Sep 2025)
Tax Bill	$4,114 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-37-27-00-271`

Property Details

APN / Parcel Number

Primary APN	`28-37-27-00-271`
Alternative APNs	`28-37-27-00-00271.0-0000.00` `2835572`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,840 sqft Living Area
Gross Area	2,320 sqft
1st Floor Area	1,840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1995
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Flat
Roof Material	Asphalt
Lot Area	37,462 sqft (0.86 acres)
Lot Dimensions	281 ft deep x 134 ft wide
Garage Type	Attached
Garage Area	480 sqft
Deck Area	654 sqft
Patio Area	672 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2835572
Street Address	1096 SANDY LN NE
City	PALM BAY
State	FL
Zip	32905-4623
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	PART OF E 1/4 OF NW 1/4 OF NW 1/4 AS DES IN ORB 317 PG 166
Legal Range	37E
Legal Township	28S
Legal Section	27
Legal Block	271
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	1
Census Block	1001
Census Tract	65129

Owner

1096 Sandy Ln NE is owned and occupied by two individuals who bought it in September 2025.

Source: Brevard County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1096 SANDY LN NE, PALM BAY, FL 32905-4623
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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	2 Names on Deed
Last Sale	Sep 8, 2025 · Amount on File
Deed Sale	Sep 8, 2025 · Amount on File
Prior Sale	Mar 13, 1997 · Amount on File
Deed Document Number	2025180531
Deed Book / Page	10426 / 1674
Record Updated	Sep 20, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Sep 8, 2025
Property Address	1096 SANDY LN NE, PALM BAY, FL 32905-4623
Document Number	0104261674
Book / Page	10426 / 1674
Instrument Date	Sep 4, 2025
Instrument	2025180531
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	PRESTIGE TTL OF BREVARD LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1651 PALATKA RD SE, PALM BAY, FL 32909-5612

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1096 SANDY LN NE, PALM BAY, FL 32905-4623

Mortgage

Document Number	0104261675
Date	Sep 8, 2025
Instrument	10426/1675

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 1096 Sandy Ln NE was $4,114, down 24.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$187,400 (-16.24%)	$253,780 (+13.43%)
2025	$4,114.00 (-24.19%)	$223,730 (-27.01%) Land $60,000 Building $163,730	$223,730 (-27.01%) Land $60,000 Building $163,730
2024	$5,427.00 (+10.89%)	$306,530 (+17.39%) Land $60,000 Building $246,530	$306,530 (+17.39%) Land $60,000 Building $246,530
2023	$4,894.00 (+378.4%)	$261,120 (+177.29%) Land $50,000 Building $211,120	$261,120 (+7.84%) Land $50,000 Building $211,120
2022	$1,023.00 Homeowner's exemption	$94,170	$242,140 Land $45,000 Building $197,140

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.

Flood

FEMA maps place 1096 Sandy Ln NE in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 20 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	2 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 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

Wildfire risk around 1096 Sandy Ln NE is low, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wire 3 Fiber	10,000 / 10,000
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20