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1140 Commerce Rd SE, Palm Bay, FL 32909 Property Records

Brevard County property record for 1140 Commerce Rd SE, Palm Bay, FL 32909

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,296 sqft · built 1985
Lot Size0.23 acres (10,019 sqft)
Owner2 Individual Names on Record
Last Sale$285,000 (Aug 2024)
Tax Bill$3,337 (2025)
Deeds & MortgagesAug 2024 Sale
Dec 2019 Sale & Mortgage
+ 1 more
Flood ZoneZone X (moderate risk)
APN29-37-07-GN-518-11

Property Details

APN / Parcel Number

Primary APN29-37-07-GN-518-11
Alternative APNs
  • 29-37-07-GN-00518.0-0011.00
  • 2927497

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,296 sqft Living Area
Gross Area1,716 sqft
1st Floor Area1,296 sqft

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 2012
Exterior MaterialStucco
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area10,019 sqft (0.23 acres)
Lot Dimensions125 ft deep x 80 ft wide
Garage TypeAttached
Garage Area420 sqft
PorchEnclosed Porch
Porch Area168 sqft
Patio Area132 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number2927497
Street Address1140 COMMERCE RD SE
CityPALM BAY
StateFL
Zip32909-4749
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS2
Legal DescriptionPORT MALABAR UNIT 12 LOT 11 BLK 518
Legal Range37E
Legal Township29S
Legal Section07
Legal SubdivisionPORT MALABAR UNIT 12
Legal Block518
Legal Lot Number11
Legal Unit12
JurisdictionBREVARD FL
Township / Civil DivisionPALM BAY
Census Block Group1
Census Block1017
Census Tract71341

Owner

Source: Brevard County records, 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 Record2 Individual Names on Record
Mailing Address1140 COMMERCE RD SE, PALM BAY, FL 32909-4749
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Aug 28, 2024Warranty Deed, Transfer
SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY
Dec 4, 2019Warranty Deed, Transfer · Conventional with PMI
LOANDEPOT.COM LLC
Aug 23, 2017Warranty Deed, Transfer · Conventional Mortgage
HOUSING FIN AGCY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 28, 2024 · Amount on Record
Deed SaleAug 28, 2024 · Amount on Record
Prior SaleDec 4, 2019 · Amount on Record
Deed Document Number2024175516
Deed Book / Page10144 / 1433
Record UpdatedSep 20, 2026

August 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateAug 28, 2024
Property Address1140 COMMERCE RD SE, PALM BAY, FL 32909-4749
Document Number0101441433
Book / Page10144 / 1433
Map ReferenceMB 15 PG 43-53
Instrument DateAug 23, 2024
Instrument2024175516
Transaction TypeTransfer
Record UpdatedNov 27, 2025
Title CompanySUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

AmountAmount Recorded
Tax$1,995.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address20445 MELVILLE ST, ORLANDO, FL 32833-3864

Transferred To (Grantee/Buyer)

NameVerified Name
Address1140 COMMERCE RD SE, PALM BAY, FL 32909-4749

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateDec 4, 2019
Property Address1140 COMMERCE RD SE, PALM BAY, FL 32909-4749
Document Number0086051600
Book / Page008605 / 001600
Instrument DateNov 27, 2019
Instrument263540
Transaction TypeTransfer
Record UpdatedDec 20, 2019
Title CompanySUPREME TITLE CLOSINGS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,316.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1140 COMMERCE RD SE PALM BAY FL 329094749, PALM BAY, FL 32909-4749

Mortgage

Document Number86051602
DateDec 4, 2019
Book Page008605/001602
Instrument263541
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueDec 3, 2049

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateAug 23, 2017
Property Address1140 COMMERCE RD SE, PALM BAY, FL 32909-4749
Document Number0079680141
Book / Page007968 / 000141
Instrument DateAug 17, 2017
Instrument177589
Transaction TypeTransfer
Record UpdatedSep 11, 2017
Title CompanySUPREME TITLE CLOSINGS LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,207.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1140 COMMERCE RD SE PALM BAY FL 329094749, PALM BAY, FL 32909-4749

Mortgage

Document Number79680154
DateAug 23, 2017
Book Page007968/000154
Instrument177591
Lender
NameHOUSING FIN AGCY
AddressTALLAHASSEE, FL 32301-1329
Agreement
TypeConventional Mortgage
AmountAmount Recorded

Mortgage

Document Number76980143,
DateAug 23, 2017
Book Page007698/000143
Instrument177590
Lender
NameIBERIABANK MTG
TypeMortgage Company
AddressLAFAYETTE, LA 70501
Agreement
AmountAmount Recorded
Term360 Months
DueAug 22, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$219,950 (-0.5%)$219,950 (-0.5%)
2025$3,337.00 (+64.3%) Homeowner's exemption$221,050 (+51.07%) Land $42,500 Building $178,550$221,050 (+9.23%) Land $42,500 Building $178,550
2023$2,031.00 (+4.58%) Homeowner's exemption$146,320 (+3%)$202,370 (+11.56%) Land $36,000 Building $166,370
2022$1,942.00 Homeowner's exemption$142,060$181,400 Land $24,500 Building $156,900

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

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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

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 RiskLow
lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
beyond 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 SystemCITY OF PALM BAY
serves 140,750 people · EPA ID FL3050442
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, 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 352 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Wire 3
Fiber		10,000 / 10,000
AT&T
Fiber · DSL		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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