1318 Gem Cir, #10, Rockledge, FL 32955 Property Records

Brevard County property record for 1318 Gem Cir, #10, Rockledge, FL 32955

Property Summary

Property Type	Condominium
Details	1,582 sqft · built 1996
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Jan 2022)
Tax Bill	$72 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-36-17-3A-10`

Property Details

APN / Parcel Number

Primary APN	`25-36-17-3A-10`
Alternative APNs	`25-36-17-3A-00010.0-0000.00` `2522908`

Interior

Stories	1 Story
Building Area	1,582 sqft Living Area
Gross Area	2,032 sqft
1st Floor Area	1,582 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2020
Architectural Style	Condo/Apartment
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Patio Area	3,800 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	2522908
Street Address	1318 GEM CIR, 10
City	ROCKLEDGE
State	FL
Zip	32955-6415
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	THE GEMS CONDO PH 2B, 3, 4, 5, 6, 7, 8 UNIT 10 AS DESC IN ORB 3430 PG 2732 AND ALL AMENDMENTS THERETO.
Legal Range	36E
Legal Township	25S
Legal Section	17
Legal Subdivision	THE GEMS PH 2-B,3,4,5,6,7,8 A CONDO
Legal Phase	3-8
Legal Block	10
Legal Unit	10
Jurisdiction	BREVARD FL
Township / Civil Division	COCOA-ROCKLEDGE
Census Block Group	5
Census Block	5005
Census Tract	63105

Owner

1318 Gem Cir, #10 is owned and occupied by two individuals who bought it in January 2022.

Source: Brevard County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1318 GEM CIR, 10, ROCKLEDGE, FL 32955-6415
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Jan 18, 2022	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Dec 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2022 · Amount on File
Deed Sale	Jan 18, 2022 · Amount on File
Prior Sale	Feb 17, 1997 · Amount on File
Deed Document Number	202212639
Deed Book / Page	9387 / 1325
Prior Transfer Date	Aug 9, 2002
Prior Transfer Doc	4662002099
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	1318 GEM CIR # 10, 10, ROCKLEDGE, FL 32955-6415
Transaction Type	Mortgage
Record Updated	Jan 16, 2024
Title Company	BRIDGETRUST TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1774 JEFFERSON RD, SPRING GROVE, PA 17362-7513

Mortgage

Document Number	0090891807
Date	Apr 16, 2021
Book Page	9089/1807
Instrument	2021097515

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	May 1, 2031

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Jan 18, 2022
Property Address	1318 GEM CIR # 10, 10, ROCKLEDGE, FL 32955-6415
Document Number	0093871325
Book / Page	9387 / 1325
Map Reference	MB 3325 PG 398-433
Instrument Date	Jan 6, 2022
Instrument	2022012639
Transaction Type	Transfer
Record Updated	Jan 16, 2024
Title Company	BELLA TITLE AND ESCROW INC, BELIA TITLE & ESCROW INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1774 JEFFERSON RD, SPRING GROVE, PA 17362-7513

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1318 GEM CIR # 10, 10, ROCKLEDGE, FL 32955-6415

Mortgage

Document Number	0093871327
Date	Jan 18, 2022
Instrument	9387/1327

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	1318 GEM CIR # 10, 10, ROCKLEDGE, FL 32955-6415
Document Number	0083360471
Instrument Date	Dec 21, 2018
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	BRIDGETRUST TITLE GROUP, BRIDGETRUST TITLE GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1774 JEFFERSON RD SPRING GROVE PA 173627513, SPRING GROVE, PA 17362-7513

Mortgage

Document Number	0083360471
Date	Dec 26, 2018
Book Page	008336/000471
Instrument	282470

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 25, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 1318 Gem Cir, #10 was $72 with a veteran's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$275,600 (+1.07%)	$275,600 (+1.07%)
2025	$72.00 Disabled Person's exemption Veteran's exemption	$272,690 Land $69,000 Building $203,690	$272,690 Land $69,000 Building $203,690
2023	$66.00 (-98.21%) Disabled Person's exemption Veteran's exemption	$275,920 (+7.58%) Land $69,000 Building $206,920	$275,920 (+7.58%) Land $69,000 Building $206,920
2022	$3,696.00	$256,470 Land $63,000 Building $193,470	$256,470 Land $63,000 Building $193,470

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1318 Gem Cir, #10 in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2000.

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 50 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	50 in force
Nearby Flood Claims	7 (2000–2022)
Claims Outside the SFHA	7 of 7
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims

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

Wildfire risk around 1318 Gem Cir, #10 is low, with 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 93% of the US · lower than 94% of Florida
Wildfire Likelihood	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 323 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications.

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