Brevard County property record for 1909 Unknown, Palm Bay, FL 32909
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,173 sqft · built 2005 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $257,900 (Mar 2021) |
| Tax Bill | $5,494 (2025) |
| Deeds & Mortgages | Apr 2024 Second Mortgage Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-37-05-GJ-299-23 |
| Primary APN | 29-37-05-GJ-299-23 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,173 sqft Living Area |
| Gross Area | 2,862 sqft |
| 1st Floor Area | 2,173 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Dimensions | 125 ft deep x 95 ft wide |
| Garage Type | Attached |
| Garage Area | 403 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 286 sqft |
| Deck Area | 551 sqft |
| Patio Area | 286 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2923493 |
|---|---|
| Street Address | 195 COWNIE AVE SE |
| City | PALM BAY |
| State | FL |
| Zip | 32909-3714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS1 |
| Legal Description | PORT MALABAR UNIT 9 LOT 23 BLK 299 |
| Legal Range | 37E |
| Legal Township | 29S |
| Legal Section | 05 |
| Legal Subdivision | PORT MALABAR UNIT 9 |
| Legal Block | 299 |
| Legal Lot Number | 23 |
| Legal Unit | 9 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | PALM BAY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 71342 |
Source: Brevard County records · APN 29-37-05-GJ-299-23
Assessment roll updated August 18, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 195 COWNIE AVE SE, PALM BAY, FL 32909-3714 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 16, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Mar 04, 2021 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 04, 2021 · Amount on Record |
| Deed Sale | Mar 04, 2021 · Amount on Record |
| Prior Sale | Feb 28, 2012 · Amount on Record |
| Deed Document Number | 202155874 |
| Deed Book / Page | 9040 / 101 |
| Prior Transfer Date | Jan 04, 2006 |
| Prior Transfer Doc | 0055911111 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 195 COWNIE AVE SE, PALM BAY, FL 32909-3714 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2024 |
| Name | Verified Name |
|---|---|
| Address | 195 COWNIE AVE SE, PALM BAY, FL 32909-3714 |
| Document Number | 0100390535 |
|---|---|
| Date | Apr 16, 2024 |
| Book Page | 10039/535 |
| Instrument | 2024076342 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 08, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Mar 04, 2021 |
| Property Address | 195 COWNIE AVE SE, PALM BAY, FL 32909-3714 |
| Document Number | 0090400101 |
| Book / Page | 9040 / 101 |
| Map Reference | MB 15 PG 1-9 |
| Instrument Date | Mar 04, 2021 |
| Instrument | 2021055874 |
| Transaction Type | Transfer |
| Record Updated | Jul 02, 2021 |
| Title Company | SUPREME TITLE CLOSINGS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,805.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 195 COWNIE AVE SE, 195, PALM BAY, FL 32909-3714 |
| Name | Verified Name |
|---|---|
| Address | 195 COWNIE AVE SE, PALM BAY, FL 32909-3714 |
| Document Number | 9040104 |
|---|---|
| Date | Mar 04, 2021 |
| Instrument | 9040/104 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
Source: Brevard County records · Assessment roll updated August 18, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Brevard County |
| Municipality | Palm Bay City |
| Unified School District | Brevard County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $336,990 (-1.02%) | $336,990 (-4.27%) | |
| 2025 | $5,494.00 (+2.27%) Homeowner's exemption | $340,460 (+5.98%) | $352,020 (-5.2%) |
| 2024 | $5,372.00 (+2.01%) | ||
| 2023 | $5,266.00 (+24.91%) Homeowner's exemption | $321,240 (+21.74%) | $371,330 (+40.72%) Land $45,000 Building $326,330 |
| 2022 | $4,216.00 Homeowner's exemption | $263,870 Land $35,000 Building $228,870 | $263,870 Land $35,000 Building $228,870 |
Source: FEMA National Flood Hazard Layer as of October 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 45 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 45 in force |
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wire 3 Holdings Fiber | 10,000 / 10,000 |
| 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 |
Based on FCC filings for 333 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF PALM BAY serves 140,750 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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