Brevard County property record for 128 Palm Cir, Melbourne, FL 32940
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,329 sqft · built 2002 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $525,000 (Jul 2023) |
| Tax Bill | $5,189 (2025) |
| Deeds & Mortgages | Dec 2025 Transfer Jul 2023 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-37-30-75-B-20 |
| Primary APN | 26-37-30-75-B-20 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,329 sqft Living Area |
| Gross Area | 3,449 sqft |
| 1st Floor Area | 2,329 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 130 ft deep x 84 ft wide |
| View / Lot | Lake Front |
| Garage Type | Attached |
| Garage Area | 561 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 559 sqft |
| Deck Area | 281 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2609992 |
|---|---|
| Street Address | 128 PALM CIR |
| City | MELBOURNE |
| State | FL |
| Zip | 32940-7208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Description | PALM SHORE ESTATES LOT 20 BLK B |
| Legal Range | 37E |
| Legal Township | 26S |
| Legal Section | 30 |
| Legal Subdivision | PALM SHORE ESTATES |
| Legal Block | B |
| Legal Lot Number | 20 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | MELBOURNE |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 64127 |
128 Palm Cir is owner-occupied and held in a trust since July 2023.
Source: Brevard County records, as of August 18, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 128 PALM CIR, MELBOURNE, FL 32940-7208 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 8, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jul 10, 2023 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Nov 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC |
| Aug 22, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Jun 28, 2018 | Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC |
| Apr 6, 2018 | Loan Modification, Mortgage · Conventional Mortgage JP MORGAN ALTER #2005-S1 (CE) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 10, 2023 · Amount on File |
| Deed Sale | Jul 10, 2023 · Amount on File |
| Prior Sale | Jun 28, 2018 · Amount on File |
| Deed Document Number | 2023144095 |
| Deed Book / Page | 9833 / 2142 |
| Prior Transfer Date | Aug 9, 2019 |
| Prior Transfer Doc | 0085210293 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Dec 8, 2025 |
| Property Address | 128 PALM CIR, PALM SHORES, FL 32940-7208 |
| Document Number | 0104971693 |
| Book / Page | 10497 / 1693 |
| Map Reference | MB 35 PG 24&25 |
| Instrument Date | Dec 4, 2025 |
| Instrument | 2025244725 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 128 PALM CIR, PALM SHORES, FL 32940-7208 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 128 PALM CIR, PALM SHORES, FL 32940-7208 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Jul 10, 2023 |
| Property Address | 128 PALM CIR, PALM SHORES, FL 32940-7208 |
| Document Number | 0098332142 |
| Book / Page | 9833 / 2142 |
| Map Reference | MB 35 PG 24&25 |
| Instrument Date | Jul 5, 2023 |
| Instrument | 2023144095 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2023 |
| Title Company | DOCKSIDE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,675.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9005 SCARSDALE CT, MELBOURNE, FL 32904-2012 |
| Name | Verified Name |
|---|---|
| Address | 128 PALM CIR, PALM SHORES, FL 32940-7208 |
| Document Number | 0098332144 |
|---|---|
| Date | Jul 10, 2023 |
| Instrument | 9833/2144 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 128 PALM CIR, PALM SHORES, FL 32940-7208 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2021 |
| Title Company | A AND A TITLE, A & A TITLE |
| Name | Verified Name |
|---|---|
| Address | 128 PALM CIR, PALM SHORES, FL 32940-7208 |
| Document Number | 0093391176 |
|---|---|
| Date | Nov 29, 2021 |
| Book Page | 9339/1176 |
| Instrument | 2021310473 |
| Name | HOMEOWNERS FINANCIAL GROUP USA LLC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85254 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Dec 1, 2046 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Aug 22, 2019 |
| Property Address | 128 PALM CIR, PALM SHORES, FL 32940-7208 |
| Document Number | 0085210293 |
| Book / Page | 008521 / 000293 |
| Instrument Date | Aug 9, 2019 |
| Instrument | 185295 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 128 PALM CIR PALM SHORES FL 329407208, PALM SHORES, FL 32940-7208 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Jun 28, 2018 |
| Property Address | 128 PALM CIR, PALM SHORES, FL 32940-7208 |
| Document Number | 0082003000 |
| Book / Page | 8200 / 3000 |
| Map Reference | MB 35 PG 24&25 |
| Instrument Date | Jun 26, 2018 |
| Instrument | 2018145883 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2021 |
| Title Company | BELLA TITLE & ESCROW INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,995.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 333 MCKNIGHT ST, 333, READING, PA 19601-2930 |
| Name | Verified Name |
|---|---|
| Address | 128 PALM CIR, MELBOURNE, FL 32940-7208 |
| Document Number | 2018145884 |
|---|---|
| Date | Jun 28, 2018 |
| Instrument | 2018145884 |
| Name | HOMEOWNERS FINANCIAL GROUP USA LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 128 PALM CIR, PALM SHORES, FL 32940-7208 |
| Document Number | 0081520437 |
| Instrument Date | Apr 6, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 128 PALM CIR PALM SHORES FL 329407208, PALM SHORES, FL 32940-7208 |
| Document Number | 0081520437 |
|---|---|
| Date | May 1, 2018 |
| Book Page | 008152/000437 |
| Instrument | 96301 |
| Name | JP MORGAN ALTER #2005-S1 (CE) |
|---|---|
| Address | ST PAUL, MN 55107 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 204 Months |
| Due | Apr 30, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
The 2025 property tax bill for 128 Palm Cir was $5,189, up 7% from the year before.
Source: Brevard County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Brevard County |
| Municipality | Palm Shores Town |
| Unified School District | Brevard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $420,740 (+0.11%) | $420,740 (-2.66%) | |
| 2025 | $5,189.00 (+6.99%) Homeowner's exemption | $420,290 | $432,220 |
| 2024 | $4,850.00 (+55.7%) | ||
| 2023 | $3,115.00 (+6.02%) Homeowner's exemption Widower's exemption | $262,490 (+3%) | $421,490 (+11.15%) Land $82,500 Building $338,990 |
| 2022 | $2,938.00 Homeowner's exemption Widower's exemption | $254,850 | $379,200 Land $80,300 Building $298,900 |
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.
FEMA maps place 128 Palm Cir in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1993.
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 39 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 14 (1993–2017) |
| Claims Outside the SFHA | 7 of 14 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
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 risk around 128 Palm Cir is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF MELBOURNE serves 167,753 people · EPA ID FL3051447 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 314 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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