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190 Elm St, Melbourne, FL 32904 Property Records

Brevard County property record for 190 Elm St, Melbourne, FL 32904

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,360 sqft · built 1991
Lot Size0.19 acres (8,276 sqft)
OwnerIndividual Name on File
Last Sale$270,000 (Nov 2021)
Tax Bill$3,243 (2025)
Deeds & MortgagesNov 2021 Sale & Mortgage
Feb 2021 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN28-36-01-51-00000.0-0123.01

Property Details

APN / Parcel Number

Primary APN28-36-01-51-00000.0-0123.01
Alternative APNs
  • 28-36-01-51-*-123.01
  • 2851402

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,360 sqft Living Area
Gross Area1,892 sqft
1st Floor Area1,360 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 2015
Exterior MaterialWood
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area8,276 sqft (0.19 acres)
Lot Dimensions120 ft deep x 66.8 ft wide
Garage TypeAttached
Garage Area460 sqft
PorchFlorida Room
Porch Area72 sqft
Patio Area32 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number2851402
Street Address190 ELM ST
CityMELBOURNE
StateFL
Zip32904-4825
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRU17
Legal DescriptionPINE GROVE S 68.10 FT OF LOTS 123, 124, 125
Legal Range36E
Legal Township28S
Legal Section01
Legal SubdivisionPINE GROVE
Legal Lot Number123
JurisdictionBREVARD FL
Township / Civil DivisionMELBOURNE
Census Block Group1
Census Block1024
Census Tract65001

Owner

190 Elm St is owned and occupied by an individual who bought it in November 2021.

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

Owner of RecordIndividual Name on File
Mailing Address190 ELM ST, MELBOURNE, FL 32904-4825
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Nov 4, 2021Warranty Deed, Transfer · FHA Mortgage
HOMESPIRE MORTGAGE CORP
Feb 23, 2021Warranty Deed, Transfer
SUPREME TITLE CLOSINGS LLC
Sep 28, 2020Warranty Deed, Transfer
PRECISE TITLE INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 4, 2021 · Amount on File
Deed SaleNov 4, 2021 · Amount on File
Prior SaleFeb 23, 2021 · Amount on File
Deed Document Number2021290446
Deed Book / Page9316 / 1255
Prior Transfer DateMay 7, 2001
Prior Transfer Doc0043420238
Record UpdatedSep 20, 2026

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateNov 4, 2021
Property Address190 ELM ST, MELBOURNE, FL 32904-4825
Document Number0093161255
Book / Page9316 / 1255
Map ReferenceMB 4 PG 32
Instrument DateNov 3, 2021
Instrument2021290446
Transaction TypeTransfer
Record UpdatedJul 13, 2023
Title CompanySUPREME TITLE CLOSINGS LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,890.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address468 BIMINI LN, INDIAN HARBOUR BEACH, FL 32937-4411

Transferred To (Grantee/Buyer)

NameVerified Name
Address190 ELM ST, MELBOURNE, FL 32904-4825

Mortgage

Document Number0093161257
DateNov 4, 2021
Book Page9316/1257
Instrument2021290447
Lender
NameHOMESPIRE MORTGAGE CORP
TypeMortgage Company
AddressGAITHERSBURG, MD 20878
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueNov 1, 2051

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateFeb 23, 2021
Property Address190 ELM ST, MELBOURNE, FL 32904-4825
Document Number0090252179
Book / Page9025 / 2179
Map ReferenceMB 4 PG 32
Instrument DateFeb 18, 2021
Instrument2021044962
Transaction TypeTransfer
Record UpdatedJul 13, 2023
Title CompanySUPREME TITLE CLOSINGS LLC

Transaction

AmountAmount on Record
Tax$1,603.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3160 ELLIS DR, MELBOURNE, FL 32904-9570

Transferred To (Grantee/Buyer)

NameVerified Name
Address190 ELM ST, MELBOURNE, FL 32904-4825

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateSep 28, 2020
Property Address190 ELM ST, MELBOURNE, FL 32904-4825
Document Number0088671474
Book / Page008867 / 001474
Instrument DateSep 25, 2020
Instrument210662
Transaction TypeTransfer
Record UpdatedOct 14, 2020
Title CompanyPRECISE TITLE INC

Transaction

AmountAmount on Record
Tax$700.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3000 APPALOOSA BLVD MELBOURNE FL 329347851, MELBOURNE, FL 32934-7851

Tax Assessment & Valuation

The 2025 property tax bill for 190 Elm St was $3,243 with a homeowner's exemption, up 6.4% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountyBrevard County
Unified School DistrictBrevard County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$244,500 (-2.24%)$244,500 (-5.93%)
2025$3,243.00 (+6.36%) Homeowner's exemption$250,090$259,900
2024$3,049.00 (+1.77%)
2023$2,996.00 (+7.46%) Homeowner's exemption$235,980 (+3%)$246,530 (+7.6%) Land $35,700 Building $210,830
2022$2,788.00 Homeowner's exemption$229,110 Land $29,240 Building $199,870$229,110 Land $29,240 Building $199,870

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

Flood

FEMA maps place 190 Elm St in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1995.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 65 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies65 in force
Nearby Flood Claims26 (1995–2023)
Claims Outside the SFHA26 of 26
Most Recent ClaimApr 2023 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 9 claims
  • Tropical Storm Fay, Aug 2008 · 8 claims
  • Hurricane Frances, Sep 2004 · 4 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

Wildfire risk around 190 Elm St is low, with a 0.03% annual chance of wildfire.

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

Wildfire RiskLow
lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
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 SystemCITY OF MELBOURNE
serves 167,753 people · EPA ID FL3051447
Water SourceSurface water
Last State InspectionAug 2024
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 135 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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