1340 Gem Cir, #21, Rockledge, FL 32955 Property Records

Brevard County property record for 1340 Gem Cir, #21, Rockledge, FL 32955

Property Summary

Property Type	Condominium
Details	2,659 sqft · built 2004
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Nov 2020)
Tax Bill	$72 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-36-17-3A-21`

Property Details

APN / Parcel Number

Primary APN	`25-36-17-3A-21`
Alternative APNs	`25-36-17-3A-00021.0-0000.00` `2522939`

Interior

Stories	2 Stories
Building Area	2,659 sqft Living Area
Gross Area	3,322 sqft
1st Floor Area	1,174 sqft

Exterior

Year Built	Built 2004
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	457 sqft
Porch	Florida Room
Patio Area	17 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	2522939
Street Address	1340 GEM CIR, 21
City	ROCKLEDGE
State	FL
Zip	32955-6417
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	THE GEMS CONDO PH 2B, 3, 4, 5, 6, 7, 8 UNIT 21 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	21
Legal Unit	21
Jurisdiction	BREVARD FL
Township / Civil Division	COCOA-ROCKLEDGE
Census Block Group	5
Census Block	5005
Census Tract	63105

Owner

1340 Gem Cir, #21 is owned and occupied by two individuals who bought it in November 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1340 GEM CIR, 21, ROCKLEDGE, FL 32955-6417
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
Dec 26, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Nov 18, 2020	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2020 · Amount on File
Deed Sale	Nov 18, 2020 · Amount on File
Prior Sale	May 8, 2003 · Amount on File
Deed Document Number	2020257568
Deed Book / Page	8923 / 2224
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	1340 GEM CIR # 21, 21, ROCKLEDGE, FL 32955-6417
Transaction Type	Mortgage
Record Updated	Jan 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1340 GEM CIR, ROCKLEDGE, FL 32955-6417

Mortgage

Document Number	0105111796
Date	Dec 26, 2025
Book Page	10511/1796
Instrument	2025256959

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Jan 1, 2066

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Nov 18, 2020
Property Address	1340 GEM CIR # 21, 21, ROCKLEDGE, FL 32955-6417
Document Number	0089232224
Book / Page	8923 / 2224
Map Reference	MB 3325 PG 398
Instrument Date	Nov 16, 2020
Instrument	2020257568
Transaction Type	Transfer
Record Updated	Nov 25, 2021
Title Company	PRESTIGE TTL OF BREVARD LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	946 CASA DOLCE CASA CIR, 946, ROCKLEDGE, FL 32955

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1340 GEM CIR # 21, 21, ROCKLEDGE, FL 32955-6417

Mortgage

Document Number	89232225
Date	Nov 18, 2020
Instrument	8923/2225

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1340 Gem Cir, #21 was $72 with a veteran's exemption, up 4.3% from the year before.

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		$307,310 (+2.7%)	$380,990 (+0.29%)
2025	$72.00 (+4.35%) Veteran's exemption	$299,240	$379,870
2024	$69.00 (-98.28%)
2023	$4,006.00 (+5.78%) Homeowner's exemption	$282,340 (+3%)	$379,560 (+10.95%) Land $71,000 Building $308,560
2022	$3,787.00 Homeowner's exemption	$274,120	$342,110 Land $65,000 Building $277,110

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

Flood

FEMA maps place 1340 Gem Cir, #21 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 1340 Gem Cir, #21 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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