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209 Surf Rd, Melbourne Beach, FL 32951 Property Records

Brevard County property record for 209 Surf Rd, Melbourne Beach, FL 32951

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,341 sqft · built 1958
Lot Size0.29 acres (12,632 sqft)
Owner2 Company Names on Record
Last Sale$485,000 (Nov 2024)
Tax Bill$6,316 (2025)
Deeds & MortgagesJun 2026 Construction Loan
Jun 2026 Construction Loan
+ 1 more
Flood ZoneZone X (minimal risk)
APN28-38-08-FZ-41-8

Property Details

APN / Parcel Number

Primary APN28-38-08-FZ-41-8
Alternative APNs
  • 28-38-08-FZ-00041.0-0008.00
  • 2848113

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,341 sqft Living Area
Gross Area2,119 sqft
1st Floor Area1,341 sqft

Exterior

Year BuiltBuilt 1958
Effective Year BuiltEffective 1990
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area12,632 sqft (0.29 acres)
Lot Dimensions125 ft deep x 100 ft wide
Garage TypeAttached
Garage Area484 sqft

Exterior Amenities

PorchScreened/Unfinished Porch
Porch Area177 sqft
Deck Area252 sqft
Patio Area217 sqft
Utility Building117 sqft

Utilities, Heating & Cooling

Cooling SystemWindow A/C
Heating SystemGravity Furnace

Location & Zoning

Account Number2848113
Street Address209 SURF RD
CityMELBOURNE BEACH
StateFL
Zip32951-2332
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code2RS
Legal DescriptionROMAC SUBD LOT 8 BLK 41
Legal Range38E
Legal Township28S
Legal Section08
Legal SubdivisionROMAC SUBD
Legal Block41
Legal Lot Number8
JurisdictionBREVARD FL
Township / Civil DivisionINDIALANTIC-MELBOURNE BEACH
Census Block Group3
Census Block3005
Census Tract66101

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Company Names on Record
Mailing Address12 CHARLESTON SQ, GREENSBORO, NC 27408-3831
Owner TypeCompany
VestingLife Tenant

Deeds, Mortgages & Sale History

DateDocument
Jun 2, 2026Deed of Trust, Mortgage · Construction Mortgage
TD BANK
Jun 2, 2026Deed of Trust · Construction Mortgage
TD BANK
Mar 29, 2022Deed of Trust, Mortgage · Conventional Mortgage
WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 1, 2024 · Amount on Record
Deed SaleNov 1, 2024 · Amount on Record
Prior SaleAug 4, 1993 · Amount on Record
Deed Document Number2024219500
Deed Book / Page10192 / 484
Prior Transfer DateOct 23, 2006
Prior Transfer Doc0057246198
Record UpdatedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBREVARD FL
Recording DateJun 2, 2026
Property Address209 SURF RD, MELBOURNE BEACH, FL 32951-2332
Document Number0106401227
Book / Page10640 / 1227
Instrument DateJun 1, 2026
Instrument2026112022
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Living Trust, 189
Address114 DELESPINE ST, MELBOURNE BEACH, FL 32951-3862

Mortgage

Document Number0000112022,
DateJun 2, 2026
Book Page10640/1227
Instrument2026112022
Lender
NameTD BANK
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2056
Interest
Rate TypeAdjustable Rate
Rate5.75%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

June 2026: Deed of Trust

Document TypeDeed of Trust
JurisdictionBREVARD FL
Recording DateJun 2, 2026
Property Address209 SURF RD, MELBOURNE BEACH, FL 32951-2332
Document Number0000112022
Book / Page10640 / 1227
Instrument DateJun 1, 2026
Instrument2026112022
Record UpdatedJun 16, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Tenant, 269
Address114 DELESPINE ST, MELBOURNE BEACH, FL 32951-3862

Mortgage

Document Number0000112022,
DateJun 2, 2026
Book Page10640/1227
Instrument2026112022
Lender
NameTD BANK
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2056
Interest
Rate TypeAdjustable Rate
Rate5.75%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBREVARD FL
Property Address209 SURF RD, MELBOURNE BEACH, FL 32951-2332
Transaction TypeMortgage
Record UpdatedApr 11, 2022
Title CompanyMINOT TITLE COMPANY, MINOT TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address209 SURF RD, MELBOURNE BEACH, FL 32951-2332

Mortgage

Document Number0094581267
DateMar 29, 2022
Book Page9458/1267
Instrument2022077232
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueApr 1, 2037

Tax Assessment & Valuation

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$431,760 (+4.74%)$431,760 (+4.74%)
2025$6,316.00 (-10.58%)$412,210 (+205.39%)$412,210 (-10.1%)
2024$7,063.00 (+353.92%)
2023$1,556.00 (+4.01%) Homeowner's exemption$134,980 (+3%)$458,520 (+12.12%) Land $309,750 Building $148,770
2022$1,496.00 Homeowner's exemption$131,050$408,970 Land $288,750 Building $120,220

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 Record
median of 91 individual policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies118 units insured
incl. 27 condo units
Nearby Flood Claims26 (1995–2017)
Claims Outside the SFHA22 of 26
Most Recent ClaimSep 2017 · Hurricane Irma
Claims by Event
  • Hurricane Frances, Sep 2004 · 10 claims
  • Hurricane Irene, Oct 1999 · 6 claims
  • Hurricane Erin, Aug 1995 · 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

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 250 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
T-Mobile
Fixed Wireless		100 / 20

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