1645 Independence Ave, Melbourne, FL 32940 Property Records

Brevard County property record for 1645 Independence Ave, Melbourne, FL 32940

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,741 sqft · built 1993
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$91,000 (Jun 2009)
Tax Bill	$1,743 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Dec 2023 Line of Credit + 4 more
Flood Zone	Zone AH (high risk)
APN	`26-36-03-PL-*-86`

Property Details

APN / Parcel Number

Primary APN	`26-36-03-PL-*-86`
Alternative APNs	`26-36-03-PL-00000.0-0086.00` `2615471`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,741 sqft Living Area
Gross Area	2,858 sqft
1st Floor Area	1,741 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2009
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
View / Lot	Lake Front
Garage Type	Attached
Garage Area	528 sqft
Porch	Finished/Open Porch
Porch Area	589 sqft
Patio Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2615471
Street Address	1645 INDEPENDENCE AVE
City	MELBOURNE
State	FL
Zip	32940-6815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	VIERA TRACTS BB & V PHASE 2 LOT 86
Legal Range	36E
Legal Township	26S
Legal Section	03
Legal Subdivision	VIERA TRACTS BB & V PHASE 2
Legal Phase	2
Legal Tract	S,V
Legal Lot Number	86
Jurisdiction	BREVARD FL
Township / Civil Division	COCOA-ROCKLEDGE
Census Block Group	2
Census Block	2009
Census Tract	63108

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	Individual Name on Record
Mailing Address	1645 INDEPENDENCE AVE, MELBOURNE, FL 32940-6815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 22, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 15, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Apr 23, 2021	Intrafamily Transfer, Transfer
Aug 12, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2009 · Amount on Record
Deed Sale	Jun 25, 2009 · Amount on Record
Deed Document Number	2009115572
Deed Book / Page	5975 / 2226
Last Transfer Date	Jun 10, 2021
Transfer Doc	0091561211
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	1645 INDEPENDENCE AVE, MELBOURNE, FL 32940-6815
Transaction Type	Mortgage
Record Updated	Oct 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 INDEPENDENCE AVE, MELBOURNE, FL 32940-6815

Mortgage

Document Number	0104421818
Date	Sep 29, 2025
Book Page	10442/1818
Instrument	2025195734

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	1645 INDEPENDENCE AVE, MELBOURNE, FL 32940-6815
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 INDEPENDENCE AVE, MELBOURNE, FL 32940-6815

Mortgage

Document Number	0099582132
Date	Dec 22, 2023
Book Page	9958/2132
Instrument	2023267580

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 15, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	1645 INDEPENDENCE AVE, MELBOURNE, FL 32940-6815
Transaction Type	Mortgage
Record Updated	Sep 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0096120753
Date	Sep 14, 2022
Book Page	9612/753
Instrument	2022225518

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BREVARD FL
Recording Date	Jun 15, 2021
Property Address	1645 INDEPENDENCE AVE, MELBOURNE, FL 32940-6815
Document Number	0091561211
Book / Page	9156 / 1211
Map Reference	MB 38 PG 68&69
Instrument Date	Jun 10, 2021
Instrument	2021154392
Transaction Type	Transfer
Record Updated	Jun 27, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 INDEPENDENCE AVE, MELBOURNE, FL 32940-6815

Mortgage

Document Number	0091561215
Date	Jun 15, 2021
Instrument	9156/1215

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BREVARD FL
Recording Date	Apr 23, 2021
Property Address	1645 INDEPENDENCE AVE, MELBOURNE, FL 32940-6815
Document Number	0090980466
Book / Page	9098 / 466
Map Reference	MB 38 PG 68&69
Instrument Date	Apr 20, 2021
Instrument	2021104936
Transaction Type	Transfer
Record Updated	Jun 27, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 INDEPENDENCE AVE, MELBOURNE, FL 32940-6815

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BREVARD FL
Recording Date	Aug 12, 2020
Property Address	1645 INDEPENDENCE AVE, MELBOURNE, FL 32940-6815
Document Number	0088230395
Book / Page	008823 / 000395
Instrument Date	Jul 30, 2020
Instrument	173410
Transaction Type	Transfer
Record Updated	Aug 28, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	1645 INDEPENDENCE AVE MELBOURNE FL 329406815, MELBOURNE, FL 32940-6815

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$89,570 (+2.69%)	$253,340 (-2.44%)
2025	$1,743.00 (+8.8%) Homeowner's exemption Widower's exemption	$87,220 (+5.97%)	$259,680 (-1.74%)
2024	$1,602.00 (+2.5%)
2023	$1,563.00 (-59.65%) Homeowner's exemption Widower's exemption	$82,310 (-65.8%)	$264,290 (+9.81%) Land $44,000 Building $220,290
2022	$3,874.00	$240,670 Land $44,000 Building $196,670	$240,670 Land $44,000 Building $196,670

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 AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	25.7 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 311 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	311 in force
Nearby Flood Claims	3 (2010–2019)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jul 2019 · other causes

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	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 407 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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