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1151 Commerce Rd SE, Palm Bay, FL 32909 Property Records

Brevard County property record for 1151 Commerce Rd SE, Palm Bay, FL 32909

Property Summary

Property TypeSingle Family Home
Details1,542 sqft · built 2020
Lot Size0.25 acres (10,890 sqft)
OwnerIndividual Name on Record
Last Sale$194,000 (Apr 2020)
Tax Bill$2,915 (2025)
Deeds & MortgagesApr 2020 Sale & Mortgage
Mar 2020 Loan Modification
+ 2 more
Flood ZoneZone X (moderate risk)
APN29-37-07-GN-519-16

Property Details

APN / Parcel Number

Primary APN29-37-07-GN-519-16
Alternative APNs
  • 29-37-07-GN-00519.0-0016.00
  • 2927519

Interior

Stories1 Story
Building Area1,542 sqft Living Area
Gross Area1,974 sqft
1st Floor Area1,542 sqft

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2022
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area10,890 sqft (0.25 acres)
Lot Dimensions125 ft deep x 86 ft wide
Garage TypeAttached
Garage Area420 sqft
PorchFinished/Open Porch

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number2927519
Street Address1151 COMMERCE RD SE
CityPALM BAY
StateFL
Zip32909-4750
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS2
Legal DescriptionPORT MALABAR UNIT 12 LOT 16 BLK 519
Legal Range37E
Legal Township29S
Legal Section07
Legal SubdivisionPORT MALABAR UNIT 12
Legal Block519
Legal Lot Number16
Legal Unit12
JurisdictionBREVARD FL
Township / Civil DivisionPALM BAY
Census Block Group1
Census Block1024
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 RecordIndividual Name on Record
Mailing Address1151 COMMERCE RD SE, PALM BAY, FL 32909-4750
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 30, 2020Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
SHELTER MORTGAGE COMPANY LLC
Mar 10, 2020Loan Modification, Mortgage · Line of Credit
REGIONS BK
Jul 26, 2019Loan Modification, Mortgage
FIFTH THIRD BK
Jul 26, 2019Warranty Deed, Transfer
HB TITLE INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 30, 2020 · Amount on Record
Deed SaleApr 30, 2020 · Amount on Record
Prior SaleJul 26, 2019 · Amount on Record
Deed Document Number202095946
Deed Book / Page8730 / 2033
Record UpdatedSep 20, 2026

April 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateApr 30, 2020
Property Address1151 COMMERCE RD SE, PALM BAY, FL 32909-4750
Document Number0087302033
Book / Page8730 / 2033
Map ReferenceMB 15 PG 43-53
Instrument DateApr 29, 2020
Instrument2020095946
Transaction TypeSubdivision Related Transfer
Record UpdatedNov 25, 2021
Title CompanyHB TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,358.00
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
Address1151 COMMERCE RD SE, PALM BAY, FL 32909-4750

Mortgage

Document Number87302035
DateApr 30, 2020
Instrument8730/2035
Lender
NameSHELTER MORTGAGE COMPANY LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2050

March 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBREVARD FL
Property Address1151 COMMERCE RD SE, PALM BAY, FL 32909-4750
Document Number0086890106
Instrument DateMar 10, 2020
Transaction TypeMortgage
Record UpdatedMay 26, 2020
Title CompanyATTORNEY ONLY

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address4885 N WICKHAM RD MELBOURNE FL 329408305, MELBOURNE, FL 32940-8305

Mortgage

Document Number0086890106
DateMar 11, 2020
Book Page008689/000106
Instrument59003
Lender
NameREGIONS BK
TypeBank
Address201 MILAN PKWY # 1ST, BIRMINGHAM, AL 35211-6946
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

July 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBREVARD FL
Property Address1151 COMMERCE RD SE, PALM BAY, FL 32909-4750
Document Number0084980496
Instrument DateJul 26, 2019
Transaction TypeMortgage
Record UpdatedSep 2, 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 Number0084980496
DateJul 26, 2019
Book Page008498/000496
Instrument163015
Lender
NameFIFTH THIRD BK
TypeBank
Address199 E MONTGOMERY AVE, ROCKVILLE, MD 20850-2381
Agreement
AmountAmount Recorded

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateJul 26, 2019
Property Address1151 COMMERCE RD SE, PALM BAY, FL 32909-4750
Document Number0084980494
Book / Page008498 / 000494
Instrument DateJul 19, 2019
Instrument163014
Transaction TypeTransfer
Record UpdatedAug 30, 2019
Title CompanyHB TITLE INC

Transaction

AmountAmount Recorded
Tax$115.50
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

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$203,050 (+2.7%)$247,350 (-1.44%)
2025$2,915.00 (+5.05%) Homeowner's exemption$197,720 (+5.98%)$250,970 (+0.02%) Land $42,500 Building $208,470
2023$2,775.00 (+3.85%) Homeowner's exemption$186,560 (+3%)$250,920 (+13.34%) Land $36,000 Building $214,920
2022$2,672.00 Homeowner's exemption$181,130$221,390 Land $24,500 Building $196,890

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 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 96% of the US · lower than 96% of Florida
Wildfire Likelihood0.02% 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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