20 Cove Rd, #20-E, Melbourne Beach, FL 32951 Property Records

Brevard County property record for 20 Cove Rd, #20-E, Melbourne Beach, FL 32951

Property Summary

Property Type	Condominium
Details	1,256 sqft · built 1978
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Nov 2019)
Tax Bill	$4,474 (2025)
Deeds & Mortgages	Nov 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`28-38-33-GH-*-1.04`

Property Details

APN / Parcel Number

Primary APN	`28-38-33-GH-*-1.04`
Alternative APNs	`28-38-33-GH-00000.0-0001.04` `2851235`

Interior

Building Area	1,256 sqft Living Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2025
Architectural Style	Condo/Apartment
Construction Type	Masonry / Concrete Block
Lot Area	4,792 sqft (0.11 acres)
View / Lot	Highway
Porch	Enclosed Porch
Patio Area	45 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	2851235
Street Address	20 COVE RD, 20-E
City	MELBOURNE BEACH
State	FL
Zip	32951-3621
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	THE COVE AT SOUTH BEACHES CONDO PH I UNIT 20-E THE COVE AT SOUTH BEACHES CONDO PH I AS DESC IN ORB 1831 PG 889 AND ALL AMENDMENTS THERETO.
Legal Range	38E
Legal Township	28S
Legal Section	33
Legal Subdivision	ATLANTIC SHORES SUBD
Legal Phase	I
Legal Lot Number	1
Legal Unit	20-E
Jurisdiction	BREVARD FL
Township / Civil Division	MELBOURNE SHORES-FLORIDANA BEACH
Census Block Group	1
Census Block	1007
Census Tract	66104

Owner

20 Cove Rd, #20-E is owned by two individuals who bought it in November 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	440 12TH AVE, INDIALANTIC, FL 32903-4362
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2019 · Amount on File
Deed Sale	Nov 18, 2019 · Amount on File
Prior Sale	Feb 15, 2016 · Amount on File
Deed Document Number	2019251674
Deed Book / Page	8591 / 1691
Prior Transfer Date	Nov 3, 2005
Prior Transfer Doc	0055598152
Record Updated	Sep 20, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Nov 18, 2019
Property Address	20 COVE RD # 20-E, 20-E, MELBOURNE BEACH, FL 32951-3621
Document Number	0085911691
Book / Page	008591 / 001691
Instrument Date	Nov 15, 2019
Instrument	251674
Transaction Type	Transfer
Record Updated	Dec 6, 2019
Title Company	STATE TITLE PARTNERS LLP, STATE TITLE PTRS LLP

Transaction

Amount	Amount on Record
Tax	$2,205.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	440 12TH AVE INDIALANTIC FL 329034362, INDIALANTIC, FL 32903-4362

Tax Assessment & Valuation

The 2025 property tax bill for 20 Cove Rd, #20-E was $4,474, down 12% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Brevard County
Unified School District	Brevard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$374,440 (+14.83%)	$374,440 (+14.83%)
2025	$4,474.00 (-12%)	$326,080	$326,080
2024	$5,084.00 (+2.31%)
2023	$4,969.00 (+13.42%)	$397,540 (+8.34%) Building $397,540	$397,540 (+8.34%) Building $397,540
2022	$4,381.00	$366,940 Building $366,940	$366,940 Building $366,940

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

Flood

FEMA maps place 20 Cove Rd, #20-E in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 196 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	229 units insured incl. 33 condo units
Nearby Flood Claims	54 (1979–2022)
Claims Outside the SFHA	24 of 54
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Matthew, Oct 2016 · 7 claims Hurricane Frances, Sep 2004 · 15 claims Hurricane Irene, Oct 1999 · 8 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 20 Cove Rd, #20-E is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% 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 MELBOURNE serves 167,753 people · EPA ID FL3051447
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	1 ppb (2023) 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 19 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