2188 Spring Creek Cir NE, Palm Bay, FL 32905 Property Records

Brevard County property record for 2188 Spring Creek Cir NE, Palm Bay, FL 32905

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,620 sqft · built 2003
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$355,100 (Aug 2022)
Tax Bill	$3,012 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-37-27-04-*-35`

Property Details

APN / Parcel Number

Primary APN	`28-37-27-04-*-35`
Alternative APNs	`28-37-27-04-00000.0-0035.00` `2859534`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,620 sqft Living Area
Gross Area	2,060 sqft
1st Floor Area	1,620 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2018
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	110 ft deep x 50 ft wide
View / Lot	Conservation / Protected Area
Garage Type	Attached
Garage Area	412 sqft
Porch	Finished/Open Porch
Porch Area	28 sqft
Patio Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2859534
Street Address	2188 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 35
Legal Range	37E
Legal Township	28S
Legal Section	27
Legal Subdivision	SANDY PINES PRESERVE PHASE 4
Legal Phase	4
Legal Lot Number	35
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	2
Census Block	2002
Census Tract	65129

Owner

2188 Spring Creek Cir NE is owned and occupied by two individuals who bought it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	2188 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
Aug 19, 2022	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Mar 25, 2019	Warranty Deed, Transfer · Conventional Mortgage SPACE COAST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2022 · Amount on File
Deed Sale	Aug 19, 2022 · Amount on File
Prior Sale	Mar 25, 2019 · Amount on File
Deed Document Number	2022205500
Deed Book / Page	9591 / 1654
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Aug 19, 2022
Property Address	2188 SPRING CREEK CIR NE, PALM BAY, FL 32905-4033
Document Number	0095911654
Book / Page	9591 / 1654
Map Reference	MB 48 PG 21-22
Instrument Date	Aug 19, 2022
Instrument	2022205500
Transaction Type	Transfer
Record Updated	Jul 13, 2023
Title Company	SUPREME TITLE CLOSINGS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	324 BROOKEDGE ST NE, PALM BAY, FL 32907-3059

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2188 SPRING CREEK CIR NE, PALM BAY, FL 32905-4033

Mortgage

Document Number	0095911656
Date	Aug 19, 2022
Instrument	9591/1656

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Mar 25, 2019
Property Address	2188 SPRING CREEK CIR NE, PALM BAY, FL 32905-4033
Document Number	0083962105
Book / Page	008396 / 002105
Instrument Date	Mar 20, 2019
Instrument	59719
Transaction Type	Transfer
Record Updated	Apr 4, 2019
Title Company	STATE TITLE PARTNERS LLP, STATE TITLE PTRS LLP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,323.00
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	2188 SPRING CREEK CIR NE PALM BAY FL 329054033, PALM BAY, FL 32905-4033

Mortgage

Document Number	83962106
Date	Mar 25, 2019
Book Page	008396/002106
Instrument	59720

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 24, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2188 Spring Creek Cir NE was $3,012 with exemptions applied.

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		$223,240 (+2.7%)	$279,530 (-2.01%)
2025	$3,012.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$217,380	$285,260 Land $62,500 Building $222,760
2023	$2,849.00 (+63.36%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$205,110 (+48.89%)	$287,940 (+21.7%) Land $50,000 Building $237,940
2022	$1,744.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$137,760	$236,590 Land $40,000 Building $196,590

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

FEMA maps place 2188 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 2188 Spring Creek Cir NE is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% 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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