1649 Talbott St SE, Palm Bay, FL 32909 Property Records

Brevard County property record for 1649 Talbott St SE, Palm Bay, FL 32909

Property Summary

Property Type	Single Family Home
Details	1,276 sqft · built 2019
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Aug 2025)
Tax Bill	$4,181 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2018 Construction Loan + 5 more
Flood Zone	Zone X (minimal risk)
APN	`29-37-16-GP-784-23`

Property Details

APN / Parcel Number

Primary APN	`29-37-16-GP-784-23`
Alternative APNs	`29-37-16-GP-00784.0-0023.00` `2934119`

Interior

Stories	1 Story
Building Area	1,276 sqft Living Area
Gross Area	1,931 sqft
1st Floor Area	1,276 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2021
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	460 sqft
Porch	Florida Room
Porch Area	195 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	2934119
Street Address	1649 TALBOTT ST SE
City	PALM BAY
State	FL
Zip	32909-5414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS2
Legal Description	PORT MALABAR UNIT 16 LOT 23 BLK 784
Legal Range	37E
Legal Township	29S
Legal Section	16
Legal Subdivision	PORT MALABAR UNIT 16
Legal Block	784
Legal Lot Number	23
Legal Unit	16
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	3
Census Block	3007
Census Tract	71345

Owner

1649 Talbott St SE is owned and occupied by an individual who bought it in August 2025.

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

Owner of Record	Individual Name on File
Mailing Address	1649 TALBOTT ST SE, PALM BAY, FL 32909-5414
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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
Jul 30, 2026	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING
Oct 10, 2018	Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK
Nov 24, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Nov 25, 2019	Warranty Deed, Subdivision Related Transfer · VA Mortgage CALIBER HM LOANS
Jul 5, 2019	Loan Modification, Mortgage CENTENNIAL BK
Aug 8, 2017	Warranty Deed, Transfer PENINSULA TITLE SERVICES, PENINSULA TITLE SVCS
Aug 8, 2017	Quit Claim Deed, Transfer PENINSULA TITLE SERVICES, PENINSULA TITLE SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2025 · Amount on File
Deed Sale	Aug 11, 2025 · Amount on File
Prior Sale	Nov 25, 2019 · Amount on File
Deed Document Number	2025160479
Deed Book / Page	10404 / 1695
Prior Transfer Date	Feb 27, 2024
Prior Transfer Doc	0000160478
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Recording Date	Jul 30, 2026
Property Address	1649 TALBOTT ST SE, PALM BAY, FL 32909-5414
Document Number	0000155801
Book / Page	10690 / 123
Instrument Date	Jul 24, 2026
Instrument	2026155801
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1649 TALBOTT ST SE, PALM BAY, FL 32909-5414

Mortgage

Document Number	0000155801,
Date	Jul 30, 2026
Book Page	10690/123
Instrument	2026155801

Lender

Name	PLANET HOME LENDING

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	1649 TALBOTT ST SE, PALM BAY, FL 32909-5414
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ALLIANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0082811166
Date	Oct 10, 2018
Book Page	8281/1166
Instrument	2018226064

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	LAKE MARY, FL 32746

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	9 Months
Due	Jul 5, 2019

Interest

Rate Type	Adjustable Rate

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BREVARD FL
Recording Date	Nov 24, 2020
Property Address	1649 TALBOTT ST SE, PALM BAY, FL 32909-5414
Document Number	0089300900
Book / Page	008930 / 000900
Instrument Date	Nov 23, 2020
Instrument	263182
Transaction Type	Transfer
Record Updated	Dec 30, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	1649 TALBOTT ST SE MELBOURNE FL 329095414, MELBOURNE, FL 32909-5414

November 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Nov 25, 2019
Property Address	1649 TALBOTT ST SE, PALM BAY, FL 32909-5414
Document Number	0085971369
Book / Page	008597 / 001369
Instrument Date	Nov 21, 2019
Instrument	256876
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 13, 2019
Title Company	ALLIANCE TITLE COMPANY, ALLIANCE TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,412.86
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1649 TALBOTT ST SE PALM BAY FL 32909, PALM BAY, FL 32909

Mortgage

Document Number	85971370
Date	Nov 25, 2019
Book Page	008597/001370
Instrument	256877

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 24, 2049

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BREVARD FL
Property Address	1649 TALBOTT ST SE, PALM BAY, FL 32909-5414
Document Number	0085111467
Instrument Date	Jul 5, 2019
Transaction Type	Mortgage
Record Updated	Aug 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	152 N HARBOR CITY BLVD #101 MELBOURNE FL 329356794, 101, MELBOURNE, FL 32935-6794

Mortgage

Document Number	0085111467
Date	Aug 12, 2019
Book Page	008511/001467
Instrument	175792

Lender

Name	CENTENNIAL BK
Type	Bank
Address	LAKE MARY, FL 32746

Agreement

Term	12 Months
Due	Aug 11, 2020

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Aug 8, 2017
Property Address	1649 TALBOTT ST SE, PALM BAY, FL 32909-5414
Document Number	0079560621
Book / Page	007956 / 000621
Instrument Date	Aug 3, 2017
Instrument	165914
Transaction Type	Transfer
Record Updated	Aug 22, 2017
Title Company	PENINSULA TITLE SERVICES, PENINSULA TITLE SVCS

Transaction

Amount	Amount on Record
Tax	$58.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	152 N HARBOR CITY BLVD #200 MELBOURNE FL 329356794, 200, MELBOURNE, FL 32935-6794

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BREVARD FL
Recording Date	Aug 8, 2017
Property Address	1649 TALBOTT ST SE, PALM BAY, FL 32909-5414
Document Number	0079560620
Book / Page	007956 / 000620
Instrument Date	Jul 29, 2017
Instrument	165913
Transaction Type	Transfer
Record Updated	Aug 22, 2017
Title Company	PENINSULA TITLE SERVICES, PENINSULA TITLE SVCS

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	152 N HARBOR CITY BLVD #200 MELBOURNE FL 329356794, 200, MELBOURNE, FL 32935-6794

Tax Assessment & Valuation

The 2025 property tax bill for 1649 Talbott St SE was $4,181, up 1,257.5% 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		$224,800 (-0.54%)	$224,800 (-0.54%)
2025	$4,181.00 (+1,257.47%)	$226,030	$226,030
2024	$308.00 (+3.01%)
2023	$299.00 (+4.91%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$158,650 (+3%)	$224,850 (+11.69%) Land $33,000 Building $191,850
2022	$285.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$154,030	$201,320 Land $24,500 Building $176,820

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

Flood

FEMA maps place 1649 Talbott St SE 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 29 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	29 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 1649 Talbott St SE is moderate, ranking above 43% of the US, with a 0.1% 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	0.1% 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 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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wire 3 Fiber	10,000 / 10,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: Hotwire Communications.

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