2321 Tree Ridge Ln NE, Palm Bay, FL 32905 Property Records

Brevard County property record for 2321 Tree Ridge Ln NE, Palm Bay, FL 32905

Property Summary

Property Type	Quadplex
Details	3 bd · 2.5 ba · 4,256 sqft · built 1988
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on File
Last Sale	$645,000 (Dec 2023)
Tax Bill	$8,769 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Mar 2019 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`28-37-28-01-B-7`

Property Details

APN / Parcel Number

Primary APN	`28-37-28-01-B-7`
Alternative APNs	`28-37-28-01-0000B.0-0007.00` `2836690`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Units	4 Units
Stories	2 Stories
Building Area	4,256 sqft Living Area
Gross Area	4,522 sqft
1st Floor Area	2,128 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2015
Architectural Style	Quadruplex
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	16,553 sqft (0.38 acres)
Lot Dimensions	134 ft deep x 125 ft wide
Garage Type	Attached

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	266 sqft
Deck Area	32 sqft
Patio Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2836690
Street Address	2321 TREE RIDGE LN NE
City	PALM BAY
State	FL
Zip	32905-8617
Property Category	Residential
Property Type	Residential > Multi-Unit > Quadplex
Local Zoning Code	RM15
Legal Description	PINEHURST LOT 7 BLK B
Legal Range	37E
Legal Township	28S
Legal Section	28
Legal Subdivision	PINEHURST
Legal Block	B
Legal Lot Number	7
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	1
Census Block	1013
Census Tract	65130

Owner

2321 Tree Ridge Ln NE, a quadplex, is owned by two individuals who bought it in December 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1186 CORDOVA ST SE, PALM BAY, FL 32909-3404
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
Dec 20, 2023	Warranty Deed, Transfer · Commercial Mortgage DEEPHAVEN MORTGAGE LLC
Mar 5, 2019	Quit Claim Deed, Transfer Quitclaim
Jan 9, 2019	Quit Claim Deed, Transfer Quitclaim
Feb 1, 2018	Warranty Deed, Transfer · Conventional Mortgage JG WENTWORTH HM LNDG
Feb 21, 2017	Loan Modification, Mortgage · Conventional Mortgage FLORIDA BUSN BK
Jan 25, 2017	Correction Deed · Commercial Mortgage FIRST BUSINESS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2023 · Amount on File
Deed Sale	Dec 20, 2023 · Amount on File
Prior Sale	Jan 9, 2019 · Amount on File
Deed Document Number	2023265526
Deed Book / Page	9956 / 1805
Prior Transfer Date	Oct 28, 1999
Prior Transfer Doc	4105000374
Record Updated	Sep 20, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Dec 20, 2023
Property Address	2321 TREE RIDGE LN NE, PALM BAY, FL 32905-8617
Document Number	0099561805
Book / Page	9956 / 1805
Map Reference	MB 25 PG 132
Instrument Date	Dec 15, 2023
Instrument	2023265526
Transaction Type	Transfer
Record Updated	Jan 4, 2024
Title Company	PRESTIGE TTL OF BREVARD LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,515.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9825 MARINA BLVD STE 100, 100, BOCA RATON, FL 33428-6628

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1186 CORDOVA ST SE, PALM BAY, FL 32909-3404

Mortgage

Document Number	0099561806
Date	Dec 20, 2023
Book Page	9956/1806
Instrument	2023265527

Lender

Name	DEEPHAVEN MORTGAGE LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BREVARD FL
Recording Date	Mar 5, 2019
Property Address	2321 TREE RIDGE LN NE, PALM BAY, FL 32905-8617
Document Number	0083822152
Book / Page	008382 / 002152
Instrument Date	Jan 28, 2019
Instrument	45315
Transaction Type	Transfer
Record Updated	Mar 19, 2019

Transaction

Amount	Amount on Record
Tax	$2,044.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9825 MARINA BLVD #100 BOCA RATON FL 334286628, 100, BOCA RATON, FL 33428-6628

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BREVARD FL
Recording Date	Jan 9, 2019
Property Address	2321 TREE RIDGE LN NE, PALM BAY, FL 32905-8617
Document Number	0083451020
Book / Page	008345 / 001020
Instrument Date	May 18, 2018
Instrument	5775
Transaction Type	Transfer
Record Updated	Jan 24, 2019

Transaction

Amount	Amount on Record
Tax	$1,890.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9825 MARINA BLVD #100 BOCA RATON FL 334286628, 100, BOCA RATON, FL 33428-6628

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Feb 1, 2018
Property Address	2321 TREE RIDGE LN NE, PALM BAY, FL 32905-8617
Document Number	0080830178
Book / Page	008083 / 000178
Instrument Date	Jan 30, 2018
Instrument	24043
Transaction Type	Transfer
Record Updated	Feb 23, 2018
Title Company	SUPREME TITLE CLOSINGS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
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	6844 NW 62ND TER PARKLAND FL 330671426, PARKLAND, FL 33067-1426

Mortgage

Document Number	80830180
Date	Feb 1, 2018
Book Page	008083/000180
Instrument	24044

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 31, 2048

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BREVARD FL
Property Address	2321 TREE RIDGE LN NE, PALM BAY, FL 32905-8617
Document Number	0078270177
Instrument Date	Feb 21, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1875 HIDDEN LAKE DR ROCKLEDGE FL 329553056, ROCKLEDGE, FL 32955-3056

Mortgage

Document Number	0078270177
Date	Feb 24, 2017
Book Page	007827/000177
Instrument	38771

Lender

Name	FLORIDA BUSN BK
Type	Bank
Address	MELBOURNE, FL 32935

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

January 2017: Correction Deed

Document Type	Correction Deed
Jurisdiction	BREVARD FL
Recording Date	Jan 25, 2017
Property Address	2321 TREE RIDGE LN NE, PALM BAY, FL 32905-8617
Document Number	0078041450
Book / Page	7804 / 1450
Map Reference	MB25 PG132
Instrument Date	Jan 20, 2017
Instrument	2017015352
Record Updated	Jul 27, 2022
Title Company	ALLIANCE TITLE INS AGENCY IN

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1875 HIDDEN LAKE DR, 1875, ROCKLEDGE, FL 32955-3056

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1875 HIDDEN LAKE DR, ROCKLEDGE, FL 32955-3056

Mortgage

Document Number	0078041451
Date	Jan 25, 2017
Book Page	7804/1451
Instrument	2017015353

Lender

Name	FIRST BUSINESS BANK
Type	Bank
Address	MELBOURNE, FL 32935

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 20, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2321 Tree Ridge Ln NE was $8,769.

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		$470,400 (-)	$470,400 (-)
2025	$8,769.00	$470,400 Land $27,200 Building $443,200	$470,400 Land $27,200 Building $443,200
2023	$7,331.00 (+5.38%)	$384,000 (-1.54%) Land $27,200 Building $356,800	$384,000 (-1.54%) Land $27,200 Building $356,800
2022	$6,957.00	$390,000 Land $27,200 Building $362,800	$390,000 Land $27,200 Building $362,800

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

Flood

FEMA maps place 2321 Tree Ridge Ln NE in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.

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 25 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	25 in force
Nearby Flood Claims	2 (2008–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2017 · Hurricane Irma

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 2321 Tree Ridge Ln NE is low, with less than 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 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 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 322 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile, Wire 3.

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