1545 Sumter Ln, Melbourne, FL 32904 Property Records

Brevard County property record for 1545 Sumter Ln, Melbourne, FL 32904

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,626 sqft · built 2004
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$105,500 (Jun 2020)
Tax Bill	$6,627 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-37-17-28-*-232`

Property Details

APN / Parcel Number

Primary APN	`28-37-17-28-*-232`
Alternative APNs	`28-37-17-28-00000.0-0232.00` `2860728`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,626 sqft Living Area
Gross Area	3,136 sqft
1st Floor Area	2,626 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2014
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	120 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	452 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	58 sqft
Deck Area	1,320 sqft
Patio Area	308 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2860728
Street Address	1545 SUMTER LN
City	MELBOURNE
State	FL
Zip	32904-8745
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	OAK GROVE AT WEST MELBOURNE PHASE THREE LOT 232
Legal Range	37E
Legal Township	28S
Legal Section	17
Legal Subdivision	OAK GROVE AT WEST MELBOURNE PHASE THREE
Legal Phase	3
Legal Lot Number	232
Jurisdiction	BREVARD FL
Township / Civil Division	MELBOURNE
Census Block Group	3
Census Block	3006
Census Tract	65022

Owner

Source: Brevard County records, as of August 18, 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 Record
Mailing Address	1545 SUMTER LN, MELBOURNE, FL 32904-8745
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2020	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Apr 3, 2018	Warranty Deed, Transfer · Conventional Mortgage ON Q FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2020 · Amount on Record
Deed Sale	Jun 24, 2020 · Amount on Record
Prior Sale	Apr 3, 2018 · Amount on Record
Deed Document Number	2020133999
Deed Book / Page	8776 / 623
Prior Transfer Date	Sep 13, 2005
Prior Transfer Doc	0055324533
Record Updated	Sep 20, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Jun 24, 2020
Property Address	1545 SUMTER LN, WEST MELBOURNE, FL 32904-8745
Document Number	0087760623
Book / Page	8776 / 623
Map Reference	MB 50 PG 32-34
Instrument Date	Jun 19, 2020
Instrument	2020133999
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	SUPREME TITLE CLOSINGS LLC

Transaction

Amount	Amount Recorded
Tax	$738.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1545 SUMTER LN, WEST MELBOURNE, FL 32904-8745

Mortgage

Document Number	0008776625
Date	Jun 24, 2020
Instrument	8776/625

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Apr 3, 2018
Property Address	1545 SUMTER LN, WEST MELBOURNE, FL 32904-8745
Document Number	0081291546
Book / Page	8129 / 1546
Map Reference	MB50 PG32-34
Instrument Date	Mar 29, 2018
Instrument	2018073102
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	SUPREME TITLE CLOSINGS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2188 OAKDALE RDG, 2188, CORALVILLE, IA 52241-3233

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1545 SUMTER LN, MELBOURNE, FL 32904-8745

Mortgage

Document Number	2018073103
Date	Apr 3, 2018
Instrument	2018073103

Lender

Name	ON Q FINANCIAL INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$504,370 (+2.13%)	$504,370 (-0.44%)
2025	$6,627.00 (+32.75%) Homeowner's exemption	$493,840 (+33.09%)	$506,600 (+30.35%)
2024	$4,992.00 (+1.18%)
2023	$4,934.00 (+6.82%) Homeowner's exemption	$371,050 (+3%)	$388,650 (+7.84%) Land $85,000 Building $303,650
2022	$4,619.00 Homeowner's exemption	$360,250	$360,380 Land $80,000 Building $280,380

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

Flood

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 Record median of 49 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	49 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	WEST MELBOURNE WTR SYS(CONSEC) serves 30,443 people · EPA ID FL3051460
Water Source	Purchased surface water from CITY OF MELBOURNE
Last State Inspection	Jan 2025
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 406 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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