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204 S Palm Ave, Melbourne Beach, FL 32951 Property Records

Brevard County property record for 204 S Palm Ave, Melbourne Beach, FL 32951

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,877 sqft · built 1974
Lot Size0.29 acres (12,632 sqft)
Owner2 Individual Names on File
Last Sale$275,000 (Dec 2002)
Tax Bill$3,482 (2025)
Deeds & MortgagesFeb 2017 Mortgage
May 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN28-38-06-80-M-12

Property Details

APN / Parcel Number

Primary APN28-38-06-80-M-12
Alternative APNs
  • 28-38-06-80-0000M.0-0012.00
  • 2847337

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,877 sqft Living Area
Gross Area2,684 sqft
1st Floor Area1,877 sqft

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 2000
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialConcrete
Lot Area12,632 sqft (0.29 acres)
Lot Dimensions120 ft deep x 106 ft wide
Garage TypeAttached
Garage Area506 sqft
PorchFlorida Room
Porch Area301 sqft
Deck Area598 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number2847337
Street Address204 S PALM AVE
CityMELBOURNE BEACH
StateFL
Zip32951-2128
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code1RS
Legal DescriptionRIVER COLONY NORTHWEST SECTION LOT 12 & SOUTH 1 FT OF LOT 11 BLK M
Legal Range38E
Legal Township28S
Legal Section06
Legal SubdivisionRIVER COLONY NORTHWEST SECTION
Legal BlockM
Legal Lot Number12
JurisdictionBREVARD FL
Township / Civil DivisionINDIALANTIC-MELBOURNE BEACH
Census Block Group1
Census Block1003
Census Tract66101

Owner

204 S Palm Ave is owned and occupied by two individuals who bought it in December 2002.

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

Owner of Record2 Individual Names on File
Mailing Address204 S PALM AVE, MELBOURNE BEACH, FL 32951-2128
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
Feb 24, 2017Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
May 21, 2018Deed of Trust, Mortgage · Conventional Mortgage
SPACE COAST CU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 2, 2002 · Amount on File
Deed SaleDec 2, 2002 · Amount on File
Deed Book / Page4751 / 672
Record UpdatedSep 20, 2026

February 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBREVARD FL
Property Address204 S PALM AVE, MELBOURNE BEACH, FL 32951-2128
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanySOLUTIONS TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0078262036
DateFeb 24, 2017
Book Page7826/2036
Instrument2017038386
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressTROY, MI 48083
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2047

May 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBREVARD FL
Property Address204 S PALM AVE, MELBOURNE BEACH, FL 32951-2128
Document Number0082040760
Instrument DateMay 21, 2018
Transaction TypeMortgage
Record UpdatedJul 17, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address204 S PALM AVE MELBOURNE BEACH FL 329512128, MELBOURNE BEACH, FL 32951-2128

Mortgage

Document Number0082040760
DateJul 3, 2018
Book Page008204/000760
Instrument149089
Lender
NameSPACE COAST CU
TypeCredit Union
AddressMELBOURNE, FL 32940
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueJul 2, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 204 S Palm Ave was $3,482 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$271,090 (+2.7%)$593,910 (+0.77%)
2025$3,482.00 Homeowner's exemption$263,970$589,400 Land $330,000 Building $259,400
2023$3,294.00 (+2.36%) Homeowner's exemption$249,070 (+3%)$606,380 (+6.86%) Land $330,000 Building $276,380
2022$3,218.00 Homeowner's exemption$241,820$567,450 Land $315,000 Building $252,450

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

Flood

FEMA maps place 204 S Palm Ave in Zone X, an area of minimal flood risk, though there have been 40 flood claims nearby since 1979.

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 162 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies162 in force
Nearby Flood Claims40 (1979–2022)
Claims Outside the SFHA39 of 40
Most Recent ClaimApr 2022 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Oct 2017 · 6 claims
  • Tropical Storm Fay, Aug 2008 · 10 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

The area around 204 S Palm Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire RiskNot rated
no burnable land within 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 193 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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