2185 Keystone Ave, Melbourne, FL 32904 Property Records

Brevard County property record for 2185 Keystone Ave, Melbourne, FL 32904

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,896 sqft · built 1996
Lot Size	0.85 acres (37,026 sqft)
Owner	Individual Name on Record
Last Sale	$452,000 (Oct 2025)
Tax Bill	$2,208 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Dec 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`28-36-02-51-B-17`

Property Details

APN / Parcel Number

Primary APN	`28-36-02-51-B-17`
Alternative APNs	`28-36-02-51-0000B.0-0017.00` `2801082`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,896 sqft Living Area
Gross Area	2,724 sqft
1st Floor Area	1,896 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	37,026 sqft (0.85 acres)
Lot Dimensions	300 ft deep x 124 ft wide
Garage Type	Attached
Garage Area	462 sqft
Porch	Florida Room
Porch Area	366 sqft
Patio Area	363 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2801082
Street Address	2185 KEYSTONE AVE
City	MELBOURNE
State	FL
Zip	32904-6146
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU19
Legal Description	NATIONAL POLICE HOME FOUNDATION INC SUBD 2ND ADDN LOT 17 BLK B
Legal Range	36E
Legal Township	28S
Legal Section	02
Legal Subdivision	NATIONAL POLICE HOME FOUNDATION INC SUBD
Legal Block	B
Legal Lot Number	17
Jurisdiction	BREVARD FL
Township / Civil Division	MELBOURNE
Census Block Group	1
Census Block	1049
Census Tract	65001

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 Record	Individual Name on Record
Mailing Address	2185 KEYSTONE AVE, MELBOURNE, FL 32904-6146
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Warranty Deed, Transfer · FHA Mortgage BANK OF AMERICA NA
Dec 3, 2018	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2025 · Amount on Record
Deed Sale	Oct 7, 2025 · Amount on Record
Prior Sale	Feb 1, 2017
Deed Document Number	2025202036
Deed Book / Page	10449 / 2984
Prior Transfer Date	Dec 12, 1995
Prior Transfer Doc	3528003098
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Oct 7, 2025
Property Address	2185 KEYSTONE AVE, MELBOURNE, FL 32904-6146
Document Number	0104492984
Book / Page	10449 / 2984
Map Reference	MB 20 PG 112
Instrument Date	Oct 3, 2025
Instrument	2025202036
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	STATE TITLE PARTNERS LLP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,164.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29 VALHALLA LN, FRANKLIN, NC 28734-4527

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2185 KEYSTONE AVE, MELBOURNE, FL 32904-6146

Mortgage

Document Number	0104492985
Date	Oct 7, 2025
Instrument	10449/2985

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	2185 KEYSTONE AVE, MELBOURNE, FL 32904-6146
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2185 KEYSTONE AVE, MELBOURNE, FL 32904-6146

Mortgage

Document Number	0083200522
Date	Dec 3, 2018
Book Page	8320/0522
Instrument	2018266677

Lender

Name	FIGURE LENDING LLC
Type	Non-Lending Institution
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 3, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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		$358,190 (+130.7%)	$358,190 (+0.85%)
2025	$2,208.00 (+9.85%) Homeowner's exemption Widower's exemption	$155,260 (+2.9%)	$355,160 (-0.2%) Land $120,000 Building $235,160
2024	$2,010.00 (+2.45%) Homeowner's exemption Widower's exemption	$150,890 (+3%)	$355,880 (-1.93%) Land $115,000 Building $240,880
2023	$1,962.00 (+4.42%) Homeowner's exemption Widower's exemption	$146,500 (+2.99%)	$362,880 (+12.74%) Land $110,000 Building $252,880
2022	$1,879.00 Homeowner's exemption Widower's exemption	$142,240	$321,860 Land $95,000 Building $226,860

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 65 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	65 in force
Nearby Flood Claims	26 (1995–2023)
Claims Outside the SFHA	26 of 26
Most Recent Claim	Apr 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 9 claims Tropical Storm Fay, Aug 2008 · 8 claims Hurricane Frances, Sep 2004 · 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 Risk	Moderate above 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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