1678 Talbott St SE, Palm Bay, FL 32909 Property Records

Brevard County property record for 1678 Talbott St SE, Palm Bay, FL 32909

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 1987
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (May 2021)
Tax Bill	$2,649 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Jul 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-37-16-GP-785-13`

Property Details

APN / Parcel Number

Primary APN	`29-37-16-GP-785-13`
Alternative APNs	`29-37-16-GP-00785.0-0013.00` `2934139`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,232 sqft Living Area
Gross Area	1,740 sqft
1st Floor Area	1,232 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Frame
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	480 sqft
Porch	Finished/Open Porch
Porch Area	28 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2934139
Street Address	1678 TALBOTT ST SE
City	PALM BAY
State	FL
Zip	32909-5413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS2
Legal Description	PORT MALABAR UNIT 16 LOT 13 BLK 785
Legal Range	37E
Legal Township	29S
Legal Section	16
Legal Subdivision	PORT MALABAR UNIT 16
Legal Block	785
Legal Lot Number	13
Legal Unit	16
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	3
Census Block	3010
Census Tract	71345

Owner

1678 Talbott St SE is owned and occupied by an individual who bought it in May 2021.

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

Owner of Record	Individual Name on File
Mailing Address	1678 TALBOTT ST SE, PALM BAY, FL 32909-5413
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 29, 2024	Deed of Trust, Mortgage · FHA Mortgage ESSEX MORTGAGE
Jul 26, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 8, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 28, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATIONAL HOMEBUYERS FUND INC
May 28, 2021	Warranty Deed, Transfer · FHA Mortgage HOMETOWN EQUITY MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2021 · Amount on File
Deed Sale	May 28, 2021 · Amount on File
Prior Sale	Jan 1, 2016
Deed Document Number	2021138599
Deed Book / Page	9137 / 705
Prior Transfer Date	Apr 13, 2016
Prior Transfer Doc	0075922396
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	1678 TALBOTT ST SE, PALM BAY, FL 32909-5413
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1678 TALBOTT ST SE, PALM BAY, FL 32909-5413

Mortgage

Document Number	0100261036
Date	Mar 29, 2024
Book Page	10026/1036
Instrument	2024063977

Lender

Name	ESSEX MORTGAGE
Type	Mortgage Company
Address	OCALA, FL 34475

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	327 Months
Due	Jun 1, 2051

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	1678 TALBOTT ST SE, PALM BAY, FL 32909-5413
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1678 TALBOTT ST SE, PALM BAY, FL 32909-5413

Mortgage

Document Number	0098460738
Date	Jul 26, 2023
Book Page	9846/738
Instrument	2023156573

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	335 Months
Due	Jun 1, 2051

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	1678 TALBOTT ST SE, PALM BAY, FL 32909-5413
Transaction Type	Mortgage
Record Updated	Nov 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1678 TALBOTT ST SE, PALM BAY, FL 32909-5413

Mortgage

Document Number	0096530529
Date	Nov 8, 2022
Book Page	9653/529
Instrument	2022265787

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	348 Months
Due	Nov 17, 2051

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	1678 TALBOTT ST SE, PALM BAY, FL 32909-5413
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1971 AGORA CIR SE 104, 104, PALM BAY, FL 32909-3974

Mortgage

Document Number	0091370718
Date	May 28, 2021
Book Page	9137/718
Instrument	2021138601

Lender

Name	NATIONAL HOMEBUYERS FUND INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95814

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2031

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	May 28, 2021
Property Address	1678 TALBOTT ST SE, PALM BAY, FL 32909-5413
Document Number	0091370705
Book / Page	9137 / 705
Map Reference	MB 15 PG 84-98
Instrument Date	May 25, 2021
Instrument	2021138599
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	SUPREME TITLE CLOSINGS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3170 N ATLANTIC AVE # AVE212, 3170, COCOA BEACH, FL 32931-3384

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1678 TALBOTT ST SE, PALM BAY, FL 32909-5413

Mortgage

Document Number	0009137707
Date	May 28, 2021
Instrument	9137/707

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1678 Talbott St SE was $2,649 with a homeowner's exemption, down 3.1% 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		$187,890 (+2.69%)	$189,400 (+3.52%)
2025	$2,649.00 (-3.11%) Homeowner's exemption	$182,960	$182,960
2024	$2,734.00 (+0.33%)
2023	$2,725.00 (-16.9%) Homeowner's exemption	$183,820 (+7.49%) Land $33,000 Building $150,820	$183,820 (+7.49%) Land $33,000 Building $150,820
2022	$3,279.00	$171,010 Land $24,500 Building $146,510	$171,010 Land $24,500 Building $146,510

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

Flood

FEMA maps place 1678 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 1678 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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