1197 White Oak Cir, Melbourne, FL 32934 Property Records

Brevard County property record for 1197 White Oak Cir, Melbourne, FL 32934 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,252 sqft · built 2000
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Feb 2025)
Tax Bill	$6,440 (2025)
Deeds & Mortgages	Nov 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-36-23-05-*-45`

Property Details

APN / Parcel Number

Primary APN	`27-36-23-05-*-45`
Alternative APNs	`27-36-23-05-00000.0-0045.00` `2741997`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,252 sqft Living Area
Gross Area	2,936 sqft
1st Floor Area	1,120 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2009
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	105 ft deep x 78 ft wide
Garage Type	Attached
Garage Area	420 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	264 sqft
Deck Area	624 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2741997
Street Address	1197 WHITE OAK CIR
City	MELBOURNE
State	FL
Zip	32934-7280
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAGNOLIA LAKES PHASE 3 LOT 45
Legal Range	36E
Legal Township	27S
Legal Section	23
Legal Subdivision	MAGNOLIA LAKES PHASE 3
Legal Phase	3
Legal Lot Number	45
Jurisdiction	BREVARD FL
Township / Civil Division	MELBOURNE
Census Block Group	2
Census Block	2002
Census Tract	64130

Owner

Source: Brevard County records · APN 27-36-23-05-*-45

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	2 Individual Names on File
Mailing Address	1197 WHITE OAK CIR, MELBOURNE, FL 32934-7280
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 19, 2025 · Amount on Record
Deed Sale	Feb 19, 2025 · Amount on Record
Prior Sale	Apr 26, 2010 · Amount on Record
Deed Document Number	202533547
Deed Book / Page	10267 / 119
Prior Transfer Date	Apr 12, 2010
Prior Transfer Doc	0061532573
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	1197 WHITE OAK CIR, MELBOURNE, FL 32934-7280
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1197 WHITE OAK CIR, MELBOURNE, FL 32934-7280
Investor	Possibly a Property Investor

Mortgage

Document Number	0104702083
Date	Nov 03, 2025
Book Page	10470/2083
Instrument	2025220821

Lender

Name	KIND LENDING LLC
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2055

Tax Assessment & Valuation

Source: Brevard County records · Assessment roll updated August 18, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$340,330 (+31.35%)	$340,330 (-4.86%)
2025	$6,440.00 (+71.78%)	$259,100 (+5.98%)	$357,730 (-0.28%)
2024	$3,749.00 (+2.32%)
2023	$3,664.00 (+6.26%) Homeowner's exemption	$244,470 (+3%)	$358,720 (+6.96%) Land $65,000 Building $293,720
2022	$3,448.00 Homeowner's exemption	$237,350	$335,390 Land $60,000 Building $275,390

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Brevard County (12009C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120090641302, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 73 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	73 in force 69 of 73 on primary residences

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.