2195 Summer Brook St, Melbourne, FL 32940 Property Records

Brevard County property record for 2195 Summer Brook St, Melbourne, FL 32940

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,897 sqft · built 1998
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$424,100 (Aug 2017)
Tax Bill	$5,414 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jan 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-37-31-04-*-179`

Property Details

APN / Parcel Number

Primary APN	`26-37-31-04-*-179`
Alternative APNs	`26-37-31-04-00000.0-0179.00` `2620127`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,897 sqft Living Area
Gross Area	3,758 sqft
1st Floor Area	1,198 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Lot Width	69 ft Width
Garage Type	Attached
Garage Area	636 sqft
Porch	Finished/Open Porch
Porch Area	225 sqft
Deck Area	710 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2620127
Street Address	2195 SUMMER BROOK ST
City	MELBOURNE
State	FL
Zip	32940-7178
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2(3)
Legal Description	SUMMER BROOK SECTION FOUR LOT 179
Legal Range	37E
Legal Township	26S
Legal Section	31
Legal Subdivision	SUMMER BROOK SECTION FOUR
Legal Lot Number	179
Jurisdiction	BREVARD FL
Township / Civil Division	MELBOURNE
Census Block Group	1
Census Block	1014
Census Tract	64127

Owner

2195 Summer Brook St is owned and occupied by two individuals who bought it in August 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	2195 SUMMER BROOK ST, MELBOURNE, FL 32940-7178
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
Apr 7, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jan 12, 2024	Deed of Trust, Mortgage · Line of Credit NORTHROP GRUMMAN FCU
Dec 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN
Aug 23, 2017	Warranty Deed, Transfer · VA Mortgage FRANKLIN AMERICAN MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2017 · Amount on File
Deed Sale	Aug 23, 2017 · Amount on File
Prior Sale	Feb 10, 2016 · Amount on File
Deed Document Number	2017177578
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Recording Date	Apr 7, 2026
Property Address	2195 SUMMER BROOK ST, MELBOURNE, FL 32940-7178
Document Number	0000068703
Book / Page	10591 / 1843
Instrument Date	Apr 2, 2026
Instrument	202668703
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2195 SUMMER BROOK ST, MELBOURNE, FL 32940-7178
Investor	Possibly a Property Investor

Mortgage

Document Number	0000068703,
Date	Apr 7, 2026
Book Page	10591/1843
Instrument	202668703

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	2195 SUMMER BROOK ST, MELBOURNE, FL 32940-7178
Transaction Type	Mortgage
Record Updated	Jan 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2195 SUMMER BROOK ST, MELBOURNE, FL 32940-7178

Mortgage

Document Number	0099691419
Date	Jan 12, 2024
Book Page	9969/1419
Instrument	2024007164

Lender

Name	NORTHROP GRUMMAN FCU
Type	Credit Union
Address	GARDENA, CA 90248

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jan 11, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	2195 SUMMER BROOK ST, MELBOURNE, FL 32940-7178
Document Number	0081271270
Instrument Date	Dec 17, 2017
Transaction Type	Mortgage
Record Updated	Apr 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2195 SUMMER BROOK ST MELBOURNE FL 329407178, MELBOURNE, FL 32940-7178

Mortgage

Document Number	0081271270
Date	Mar 30, 2018
Book Page	008127/001270
Instrument	70997

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 29, 2033

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Aug 23, 2017
Property Address	2195 SUMMER BROOK ST, MELBOURNE, FL 32940-7178
Document Number	0079680096
Book / Page	007968 / 000096
Instrument Date	Aug 18, 2017
Instrument	177578
Transaction Type	Transfer
Record Updated	Sep 11, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,968.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2195 SUMMER BROOK ST MELBOURNE FL 329407178, MELBOURNE, FL 32940-7178

Mortgage

Document Number	79680097
Date	Aug 23, 2017
Book Page	007968/000097
Instrument	177579

Lender

Name	FRANKLIN AMERICAN MTG
Type	Mortgage Company
Address	PITTSBURGH, PA 15220

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 22, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2195 Summer Brook St was $5,414 with exemptions applied, up 5.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$355,610 (+2.7%)	$463,840 (-6.58%)
2025	$5,414.00 (+5.66%) Homeowner's exemption Veteran's exemption	$346,270	$496,500
2024	$5,124.00 (+2.21%)
2023	$5,013.00 (+6.01%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$326,720 (+3%)	$511,810 (+11.28%) Land $80,000 Building $431,810
2022	$4,729.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$317,210	$459,950 Land $80,000 Building $379,950

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

Flood

FEMA maps place 2195 Summer Brook St in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1995.

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 File median of 206 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	206 in force
Nearby Flood Claims	22 (1995–2024)
Claims Outside the SFHA	20 of 22
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Irma, Sep 2017 · 5 claims Tropical Storm Fay, Aug 2008 · 7 claims Hurricane Frances, Sep 2004 · 2 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

Wildfire risk around 2195 Summer Brook St is low, with a 0.01% 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	0.01% 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 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 195 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 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Wire 3.

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