1638 Riviera Dr NE, Palm Bay, FL 32905 Property Records

Brevard County property record for 1638 Riviera Dr NE, Palm Bay, FL 32905

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,176 sqft · built 1977
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (May 2026)
Tax Bill	$4,404 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28-37-21-KY-41-3`

Property Details

APN / Parcel Number

Primary APN	`28-37-21-KY-41-3`
Alternative APNs	`28-37-21-KY-00041.0-0003.00` `2830540`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,176 sqft Living Area
Gross Area	1,666 sqft
1st Floor Area	1,176 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	102 ft deep x 142 ft wide
Garage Type	Attached
Garage Area	316 sqft
Porch	Florida Room
Porch Area	174 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2830540
Street Address	1638 RIVIERA DR NE
City	PALM BAY
State	FL
Zip	32905-3847
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS2
Legal Description	PORT MALABAR COUNTRY CLUB UNIT 4 LOT 3 BLK 41
Legal Range	37E
Legal Township	28S
Legal Section	21
Legal Subdivision	PORT MALABAR COUNTRY CLUB UNIT 4
Legal Block	41
Legal Lot Number	3
Legal Unit	4
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	2
Census Block	2015
Census Tract	65131

Owner

1638 Riviera Dr NE is owned and occupied by an individual who bought it in May 2026.

Source: Brevard County records, as of September 24, 2026

Owner of Record	Individual Name on File
Mailing Address	1638 RIVIERA DR NE, PALM BAY, FL 32905-3847
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

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
May 14, 2026	Warranty Deed, Transfer · VA Mortgage ZILLOW HOME LOANS LLC
May 14, 2026	Warranty Deed, Transfer · VA Mortgage ZILLOW HOME LOANS LLC
Jun 6, 2022	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Dec 12, 2017	Warranty Deed, Transfer PENINSULA TITLE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2026 · Amount on File
Deed Sale	May 14, 2026 · Amount on File
Prior Sale	Jun 6, 2022 · Amount on File
Deed Document Number	202699245
Deed Book / Page	10625 / 1154
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	May 14, 2026
Property Address	1638 RIVIERA DR NE, PALM BAY, FL 32905-3847
Document Number	0000099245
Book / Page	10625 / 1154
Instrument Date	May 11, 2026
Instrument	2026.99245
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	COUNTDOWN TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$201,495.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1638 RIVIERA DR NE, PALM BAY, FL 32905-3847
Investor	Possibly a Property Investor

Mortgage

Document Number	0000099246,
Date	May 14, 2026
Instrument	2026..99246

Lender

Name	ZILLOW HOME LOANS LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	May 14, 2026
Property Address	1638 RIVIERA DR NE, PALM BAY, FL 32905-3847
Document Number	0106251154
Book / Page	10625 / 1154
Instrument Date	May 11, 2026
Instrument	202699245
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	E TITLE LLC, COUNTDOWN TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$201,495.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1638 RIVIERA DR NE, PALM BAY, FL 32905-3847
Investor	Possibly a Property Investor

Mortgage

Document Number	0000099246,
Date	May 14, 2026
Instrument	202699246

Lender

Name	ZILLOW HOME LOANS LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Max Rate	-1%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Jun 6, 2022
Property Address	1638 RIVIERA DR NE, PALM BAY, FL 32905-3847
Document Number	0095250845
Book / Page	9525 / 845
Map Reference	MB 24 PG 25-29
Instrument Date	May 27, 2022
Instrument	2022140852
Transaction Type	Transfer
Record Updated	Jun 21, 2022
Title Company	PENINSULA TITLE SERVICES, PENINSULA TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,128.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2958 INDIAN RIVER DR NE, 2958, PALM BAY, FL 32905-4315

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1638 RIVIERA DR NE, PALM BAY, FL 32905-3847

Mortgage

Document Number	0009525846
Date	Jun 6, 2022
Instrument	9525/846

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Dec 12, 2017
Property Address	1638 RIVIERA DR NE, PALM BAY, FL 32905-3847
Document Number	0080470681
Book / Page	008047 / 000681
Instrument Date	Dec 1, 2017
Instrument	258511
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	PENINSULA TITLE SERVICES

Transaction

Amount	Amount on Record
Tax	$1,155.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1638 RIVIERA DR NE PALM BAY FL 329053847, PALM BAY, FL 32905-3847

Tax Assessment & Valuation

The 2025 property tax bill for 1638 Riviera Dr NE was $4,404, down 3.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$224,000 (-6.03%)	$224,000 (-6.03%)
2025	$4,404.00 (-3.55%)	$238,370	$238,370
2024	$4,566.00 (+0.11%)
2023	$4,561.00 (+219.85%)	$241,760 (+95.54%) Land $55,000 Building $186,760	$241,760 (+8.35%) Land $55,000 Building $186,760
2022	$1,426.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption	$123,640	$223,130 Land $50,000 Building $173,130

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.

Flood

FEMA maps place 1638 Riviera Dr NE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 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

Wildfire risk around 1638 Riviera Dr NE 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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% 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	CITY OF PALM BAY serves 140,750 people · EPA ID FL3050442
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2023
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 334 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: Wire 3.

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