182 Saint Croix Ave, Cocoa Beach, FL 32931 Property Records

Brevard County property record for 182 Saint Croix Ave, Cocoa Beach, FL 32931

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,686 sqft · built 2023
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$750,000 (Dec 2021)
Tax Bill	$14,674 (2025)
Deeds & Mortgages	Sep 2022 Construction Loan Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`25-37-03-04-A-20`

Property Details

APN / Parcel Number

Primary APN	`25-37-03-04-A-20`
Alternative APNs	`25-37-03-04-0000A.0-0020.00` `2513982`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,686 sqft Living Area
Gross Area	3,632 sqft
1st Floor Area	2,686 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2024
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	130 ft deep x 80 ft wide
View / Lot	Canal Front
Garage Type	Attached
Garage Area	354 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	674 sqft
Deck Area	Deck Area
Patio Area	176 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2513982
Street Address	182 SAINT CROIX AVE
City	COCOA BEACH
State	FL
Zip	32931-3335
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS1
Legal Description	COCOA ISLES 11TH (CAPE ROYAL) ADDN PHASE 2 LOT 20 BLK A
Legal Range	37E
Legal Township	25S
Legal Section	03
Legal Subdivision	COCOA ISLES 11TH (CAPE ROYAL) ADDN PHASE
Legal Phase	2
Legal Block	A
Legal Lot Number	20
Jurisdiction	BREVARD FL
Township / Civil Division	COCOA BEACH-CAPE CANAVERAL
Census Block Group	3
Census Block	3004
Census Tract	71700

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	182 SAINT CROIX AVE, COCOA BEACH, FL 32931-3335
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2022	Deed of Trust, Mortgage · Construction Mortgage CENTRAL BANK
Dec 10, 2021	Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC
Nov 30, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2021 · Amount on Record
Deed Sale	Dec 10, 2021 · Amount on Record
Deed Document Number	2021321957
Deed Book / Page	9352 / 2938
Prior Transfer Date	Nov 25, 2020
Prior Transfer Doc	0089342955
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	182 SAINT CROIX AVE, COCOA BEACH, FL 32931-3335
Transaction Type	Mortgage
Record Updated	Sep 26, 2022
Title Company	SUPERIOR TITLE INSURANCE AGENCY II LLC, SUPERIOR TTL INS AGCY II LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	182 SAINT CROIX AVE, COCOA BEACH, FL 32931-3335

Mortgage

Document Number	0096040716
Date	Sep 2, 2022
Book Page	9604/716
Instrument	2022217574

Lender

Name	CENTRAL BANK
Type	Bank
Address	TAMPA, FL 33647

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Sep 1, 2028
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	10.2%
Index	Other
Max Rate	10.2%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Dec 10, 2021
Property Address	182 SAINT CROIX AVE, COCOA BEACH, FL 32931-3335
Document Number	0093522938
Book / Page	9352 / 2938
Map Reference	MB 21 PG 50&51
Instrument Date	Dec 8, 2021
Instrument	2021321957
Transaction Type	Transfer
Record Updated	Dec 24, 2021
Title Company	SUPERIOR TITLE INSURANCE AGENCY II LLC, SUPERIOR TTL INS AGCY II LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	514 JACKSON AVE, 514, CAPE CANAVERAL, FL 32920-2310

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	182 SAINT CROIX AVE, COCOA BEACH, FL 32931-3335

Mortgage

Document Number	0093522939
Date	Dec 10, 2021
Instrument	9352/2939

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

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

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BREVARD FL
Recording Date	Nov 30, 2020
Property Address	182 SAINT CROIX AVE, COCOA BEACH, FL 32931-3335
Document Number	0089342955
Book / Page	008934 / 002955
Instrument Date	Nov 25, 2020
Instrument	266523
Transaction Type	Transfer
Record Updated	Dec 24, 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	Estate
Address	182 SAINT CROIX AVE COCOA BEACH FL 329313335, COCOA BEACH, FL 32931-3335

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$899,600 (-6.11%)	$899,600 (-6.11%)
2025	$14,674.00 (-2.27%) Homeowner's exemption	$958,160 (+42.42%)	$958,160 (+42.42%)
2024	$15,015.00 (-33.2%)
2023	$22,476.00 (+130.76%) Homeowner's exemption	$672,760 (+9.65%) Land $425,000 Building $247,760	$672,760 (+9.65%) Land $425,000 Building $247,760
2022	$9,740.00	$613,530 Land $425,000 Building $188,530	$613,530 Land $425,000 Building $188,530

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 94 individual policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	223 units insured incl. 129 condo units
Nearby Flood Claims	5 (2008–2024)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Matthew, Oct 2016 · 2 claims

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	Under 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 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 70 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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