1645 Sumter Ln, Melbourne, FL 32904 Property Records

Brevard County property record for 1645 Sumter Ln, Melbourne, FL 32904

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,622 sqft · built 2005
Lot Size	0.19 acres (8,276 sqft)
Owner	Trust Name on File
Last Sale	$314,900 (May 2005)
Tax Bill	$3,661 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Apr 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-37-17-28-*-242`

Property Details

APN / Parcel Number

Primary APN	`28-37-17-28-*-242`
Alternative APNs	`28-37-17-28-00000.0-0242.00` `2860738`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,622 sqft Living Area
Gross Area	4,644 sqft
1st Floor Area	1,720 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Frame
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	460 sqft
Porch	Finished/Open Porch
Porch Area	562 sqft
Deck Area	772 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2860738
Street Address	1645 SUMTER LN
City	MELBOURNE
State	FL
Zip	32904-8746
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	OAK GROVE AT WEST MELBOURNE PHASE THREE LOT 242
Legal Range	37E
Legal Township	28S
Legal Section	17
Legal Subdivision	OAK GROVE AT WEST MELBOURNE PHASE THREE
Legal Phase	3
Legal Lot Number	242
Jurisdiction	BREVARD FL
Township / Civil Division	MELBOURNE
Census Block Group	3
Census Block	3006
Census Tract	65022

Owner

1645 Sumter Ln is owner-occupied and held in a trust since April 2024.

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

Owner of Record	Trust Name on File
Mailing Address	1645 SUMTER LN, MELBOURNE, FL 32904-8746
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Oct 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Apr 26, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 26, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2005 · Amount on File
Deed Sale	May 2, 2005 · Amount on File
Prior Sale	Jan 9, 2004 · Amount on File
Deed Document Number	2005151518
Deed Book / Page	5460 / 1244
Last Transfer Date	Apr 23, 2024
Transfer Doc	0100480564
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	1645 SUMTER LN, WEST MELBOURNE, FL 32904-8746
Transaction Type	Mortgage
Record Updated	May 8, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 SUMTER LN, MELBOURNE, FL 32904-8746

Mortgage

Document Number	0092891741
Date	Oct 13, 2021
Book Page	9289/1741
Instrument	2021267451

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2051

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BREVARD FL
Recording Date	Apr 26, 2024
Property Address	1645 SUMTER LN, WEST MELBOURNE, FL 32904-8746
Document Number	0100480562
Book / Page	10048 / 562
Map Reference	MB 17 PG 34
Instrument Date	Apr 23, 2024
Instrument	2024085159
Transaction Type	Transfer
Record Updated	May 8, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1645 SUMTER LN, WEST MELBOURNE, FL 32904-8746

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1645 SUMTER LN, WEST MELBOURNE, FL 32904-8746

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BREVARD FL
Recording Date	Apr 26, 2024
Property Address	1645 SUMTER LN, WEST MELBOURNE, FL 32904-8746
Document Number	0100480564
Book / Page	10048 / 564
Map Reference	MB 50 PG 32-34
Instrument Date	Apr 23, 2024
Instrument	2024085160
Transaction Type	Transfer
Record Updated	May 8, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1645 SUMTER LN, WEST MELBOURNE, FL 32904-8746

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

Tax Assessment & Valuation

The 2025 property tax bill for 1645 Sumter Ln was $3,661 with a homeowner's exemption, up 8.6% from the year before.

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		$269,610 (+2.7%)	$492,270 (+0.19%)
2025	$3,661.00 (+8.57%) Homeowner's exemption	$262,530	$491,340
2024	$3,372.00 (+1.51%)
2023	$3,322.00 (+4.86%) Homeowner's exemption	$247,710 (+0.93%)	$471,830 (+5.53%) Land $85,000 Building $386,830
2022	$3,168.00 Homeowner's exemption	$245,430	$447,090 Land $80,000 Building $367,090

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

Flood

FEMA maps place 1645 Sumter Ln in Zone X, an area of minimal flood risk.

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 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

Wildfire risk around 1645 Sumter Ln is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.06% 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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