Brevard County property record for 1285 Cypress Trace Dr, Melbourne, FL 32940
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,880 sqft · built 1989 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $65,000 (Dec 2018) |
| Tax Bill | $3,988 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Nov 2022 Mortgage + 5 more |
| Flood Zone | Zone A (high risk) |
| APN | 26-36-23-OH-*-53 |
| Primary APN | 26-36-23-OH-*-53 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,880 sqft Living Area |
| Gross Area | 2,982 sqft |
| 1st Floor Area | 1,880 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 9,583 sqft (0.22 acres) |
| View / Lot | Lake Front |
| Garage Type | Attached |
| Garage Area | 486 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Florida Room |
| Porch Area | 616 sqft |
| Patio Area | 465 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2604458 |
|---|---|
| Street Address | 1285 CYPRESS TRACE DR |
| City | MELBOURNE |
| State | FL |
| Zip | 32940-1622 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | CYPRESS TRACE SUNTREE PUD STAGE 4 32 & 73 LOT 53 |
| Legal Range | 36E |
| Legal Township | 26S |
| Legal Section | 23 |
| Legal Subdivision | CYPRESS TRACE SUNTREE PUD STAGE 4 |
| Legal Lot Number | 53 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | MELBOURNE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 64128 |
1285 Cypress Trace Dr is owned and occupied by two individuals who bought it in December 2018.
Source: Brevard County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1285 CYPRESS TRACE DR, MELBOURNE, FL 32940-1622 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| May 28, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Nov 28, 2022 | Deed of Trust, Mortgage · FHA Mortgage SPACE COAST CU |
| Apr 30, 2021 | Deed of Trust, Mortgage · FHA Mortgage SPACE COAST CU |
| Sep 12, 2019 | Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Dec 14, 2018 | Quit Claim Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Oct 8, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Aug 18, 2017 | Trustee's Deed, Construction Loan · Construction Mortgage OTHER INSTITUTIONAL LENDERS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 14, 2018 · Amount on File |
| Deed Sale | Dec 14, 2018 · Amount on File |
| Prior Sale | Oct 8, 2018 · Amount on File |
| Deed Document Number | 2018276011 |
| Deed Book / Page | 8329 / 1512 |
| Prior Transfer Date | Dec 10, 2018 |
| Prior Transfer Doc | 0083291512 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | May 28, 2026 |
| Property Address | 1285 CYPRESS TRACE DR, MELBOURNE, FL 32940-1622 |
| Document Number | 0000108921 |
| Book / Page | 10636 / 1232 |
| Instrument Date | Feb 26, 2026 |
| Instrument | 2026108921 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1285 CYPRESS TRACE DR, MELBOURNE, FL 32940-1622 |
| Document Number | 0000108921, |
|---|---|
| Date | May 28, 2026 |
| Book Page | 10636/1232 |
| Instrument | 2026108921 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Rate | 6.1% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 1285 CYPRESS TRACE DR, MELBOURNE, FL 32940-1622 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1285 CYPRESS TRACE DR, MELBOURNE, FL 32940-1622 |
| Document Number | 0096632680 |
|---|---|
| Date | Nov 28, 2022 |
| Book Page | 9663/2680 |
| Instrument | 2022276299 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | MELBOURNE, FL 32941 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 341 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 1285 CYPRESS TRACE DR, MELBOURNE, FL 32940-1622 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2021 |
| Title Company | NORTH AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1285 CYPRESS TRACE DR, MELBOURNE, FL 32940-1622 |
| Document Number | 0091060125 |
|---|---|
| Date | Apr 30, 2021 |
| Book Page | 9106/125 |
| Instrument | 2021111350 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | MELBOURNE, FL 32940 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 1285 CYPRESS TRACE DR, MELBOURNE, FL 32940-1622 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0085360534 |
|---|---|
| Date | Sep 12, 2019 |
| Book Page | 8536/0534 |
| Instrument | 2019199309 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Dec 14, 2018 |
| Property Address | 1285 CYPRESS TRACE DR, MELBOURNE, FL 32940-1622 |
| Document Number | 0083291512 |
| Book / Page | 8329 / 1512 |
| Map Reference | MB 35 PG 11&12 |
| Instrument Date | Dec 10, 2018 |
| Instrument | 2018276011 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2021 |
| Title Company | NORTH AMERICAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $455.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1285 CYPRESS TRACE DR, MELBOURNE, FL 32940-1622 |
| Document Number | 2018276012 |
|---|---|
| Date | Dec 14, 2018 |
| Instrument | 2018276012 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Oct 8, 2018 |
| Property Address | 1285 CYPRESS TRACE DR, MELBOURNE, FL 32940-1622 |
| Document Number | 0082792176 |
| Book / Page | 008279 / 002176 |
| Instrument Date | Aug 13, 2018 |
| Instrument | 224492 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $910.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1285 CYPRESS TRACE DR MELBOURNE FL 329401622, MELBOURNE, FL 32940-1622 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Aug 18, 2017 |
| Property Address | 1285 CYPRESS TRACE DR, MELBOURNE, FL 32940-1622 |
| Document Number | 0079640941 |
| Book / Page | 007964 / 000941 |
| Instrument Date | Aug 18, 2017 |
| Instrument | 174021 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1285 CYPRESS TRACE DR MELBOURNE FL 329401622, MELBOURNE, FL 32940-1622 |
| Document Number | 79640941 |
|---|---|
| Date | Aug 18, 2017 |
| Book Page | 007964/000941 |
| Instrument | 174021 |
| Name | OTHER INSTITUTIONAL LENDERS |
|---|---|
| Type | Mortgage Company |
| Address | BOCA RATON, FL 33486 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 24 Months |
| Due | Aug 17, 2019 |
| Rate | 12% |
|---|
The 2025 property tax bill for 1285 Cypress Trace Dr was $3,988 with a homeowner's exemption, up 7.1% from the year before.
Source: Brevard County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Brevard County |
| Unified School District | Brevard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $308,960 (+2.7%) | $419,200 (-0.14%) | |
| 2025 | $3,988.00 (+7.12%) Homeowner's exemption | $300,840 | $419,800 |
| 2024 | $3,723.00 (+1.69%) | ||
| 2023 | $3,661.00 (+7.39%) Homeowner's exemption | $283,860 (+3%) | $400,370 (-1.3%) Land $126,500 Building $273,870 |
| 2022 | $3,409.00 Homeowner's exemption | $275,600 | $405,650 Land $143,000 Building $262,650 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1285 Cypress Trace Dr in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 590 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 590 in force |
| Nearby Flood Claims | 53 (1999–2026) |
| Claims Outside the SFHA | 41 of 53 |
| Most Recent Claim | Aug 2026 · other causes |
| 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 1285 Cypress Trace Dr 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 98% of the US · lower than 97.6% 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 COCOA serves 294,039 people · EPA ID FL3050223 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | 2 ppb (2022) 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 240 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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