2182 Spring Creek Cir NE, Palm Bay, FL 32905 Property Records

Brevard County property record for 2182 Spring Creek Cir NE, Palm Bay, FL 32905

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,903 sqft · built 2003
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Feb 2020)
Tax Bill	$3,393 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Feb 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28-37-27-04-*-38`

Property Details

APN / Parcel Number

Primary APN	`28-37-27-04-*-38`
Alternative APNs	`28-37-27-04-00000.0-0038.00` `2859537`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,903 sqft Living Area
Gross Area	2,628 sqft
1st Floor Area	1,903 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2013
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Lot Width	46 ft Width
View / Lot	Conservation / Protected Area
Garage Type	Attached
Garage Area	389 sqft
Porch	Florida Room
Porch Area	336 sqft
Patio Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2859537
Street Address	2182 SPRING CREEK CIR NE
City	PALM BAY
State	FL
Zip	32905-4033
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	SANDY PINES PRESERVE PHASE 4 LOT 38
Legal Range	37E
Legal Township	28S
Legal Section	27
Legal Subdivision	SANDY PINES PRESERVE PHASE 4
Legal Phase	4
Legal Lot Number	38
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	2
Census Block	2002
Census Tract	65129

Owner

2182 Spring Creek Cir NE is owned and occupied by two individuals who bought it in February 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	2182 SPRING CREEK CIR NE, PALM BAY, FL 32905-4033
Occupancy	Owner Occupied
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

Date	Document
Sep 10, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Feb 18, 2020	Warranty Deed, Transfer · VA Mortgage BAY EQUITY
Feb 4, 2019	Grant Deed, Transfer BUYERS TITLE
Sep 5, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2020 · Amount on File
Deed Sale	Feb 18, 2020 · Amount on File
Prior Sale	Feb 4, 2019 · Amount on File
Deed Document Number	202038570
Deed Book / Page	8666 / 2799
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	2182 SPRING CREEK CIR NE, PALM BAY, FL 32905-4033
Transaction Type	Mortgage
Record Updated	Sep 28, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2182 SPRING CREEK CIR NE, PALM BAY, FL 32905-4033

Mortgage

Document Number	0092530622
Date	Sep 10, 2021
Book Page	9253/622
Instrument	2021236582

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Feb 18, 2020
Property Address	2182 SPRING CREEK CIR NE, PALM BAY, FL 32905-4033
Document Number	0086662799
Book / Page	008666 / 002799
Instrument Date	Feb 10, 2020
Instrument	38570
Transaction Type	Transfer
Record Updated	Apr 9, 2020
Title Company	PRESTIGE TITLE/BREVARD LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2182 SPRING CREEK CIR NE PALM BAY FL 329054033, PALM BAY, FL 32905-4033

Mortgage

Document Number	86662800
Date	Feb 18, 2020
Book Page	008666/002800
Instrument	38571

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	CORTE MADERA, CA 94925

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 17, 2050

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BREVARD FL
Recording Date	Feb 4, 2019
Property Address	2182 SPRING CREEK CIR NE, PALM BAY, FL 32905-4033
Document Number	0083602758
Book / Page	008360 / 002758
Instrument Date	Jan 3, 2019
Instrument	22884
Transaction Type	Transfer
Record Updated	Feb 20, 2019
Title Company	BUYERS TITLE

Transaction

Amount	Amount on Record
Tax	$1,354.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2182 SPRING CREEK CIR NE PALM BAY FL 329054033, PALM BAY, FL 32905-4033

September 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BREVARD FL
Recording Date	Sep 5, 2018
Property Address	2182 SPRING CREEK CIR NE, PALM BAY, FL 32905-4033
Document Number	0082550555
Book / Page	008255 / 000555
Instrument Date	Aug 8, 2018
Instrument	199926
Transaction Type	Foreclosure
Record Updated	Sep 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,050.70
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 52708 IRVINE CA 926192708, IRVINE, CA 92619-2708

Tax Assessment & Valuation

The 2025 property tax bill for 2182 Spring Creek Cir NE was $3,393 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Brevard County
Municipality	Palm Bay City
Unified School District	Brevard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$231,600 (+2.7%)	$280,460 (-1.83%)
2025	$3,393.00 Homeowner's exemption	$225,520	$285,690 Land $62,500 Building $223,190
2023	$3,235.00 (+3.62%) Homeowner's exemption	$212,790 (+3%)	$288,260 (+11.52%) Land $50,000 Building $238,260
2022	$3,122.00 Homeowner's exemption	$206,600	$258,490 Land $40,000 Building $218,490

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

Flood

FEMA maps place 2182 Spring Creek Cir NE 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 49 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	49 in force
Nearby Flood Claims	2 (2020–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2024 · rainfall accumulation

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 2182 Spring Creek Cir NE is low, with a 0.02% 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	0.02% 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 PALM BAY serves 140,750 people · EPA ID FL3050442
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

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, 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 496 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wire 3.

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