2524 Spence Dr NE, Palm Bay, FL 32905 Property Records

Brevard County property record for 2524 Spence Dr NE, Palm Bay, FL 32905 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,054 sqft · built 1952
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$204,000 (Nov 2023)
Tax Bill	$2,178 (2025)
Deeds & Mortgages	Nov 2023 Sale May 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-37-11-76-E-13`

Property Details

APN / Parcel Number

Primary APN	`28-37-11-76-E-13`
Alternative APNs	`28-37-11-76-0000E.0-0013.00` `2825759`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,054 sqft Living Area
Gross Area	1,278 sqft
1st Floor Area	1,054 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1990
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	252 sqft
Carport	Carport
Carport Area	252 sqft
Porch	Florida Room
Porch Area	280 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2825759
Street Address	2524 SPENCE DR NE
City	PALM BAY
State	FL
Zip	32905-2526
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FARVIEW SUBD, REPLAT OF PT OF LOT 13 BLK E
Legal Range	37E
Legal Township	28S
Legal Section	11
Legal Subdivision	FARVIEW SUBD, REPLAT OF PT OF
Legal Block	E
Legal Lot Number	13
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	1
Census Block	1009
Census Tract	65123

Owner

Source: Brevard County records · APN 28-37-11-76-E-13

Assessment roll updated August 18, 2026 · Last verified August 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 File
Mailing Address	2524 SPENCE DR NE, PALM BAY, FL 32905-2526
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2023	Warranty Deed, Transfer ALLIANCE TITLE INSURANCE AGENCY INC, ALLIANCE TITLE INS AGCY INC
May 08, 2023	Warranty Deed, Transfer ALLIANCE TITLE INSURANCE AGENCY INC, ALLIANCE TITLE INS AGCY INC
Apr 20, 2018	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 27, 2023 · Amount on Record
Deed Sale	Nov 27, 2023 · Amount on Record
Prior Sale	May 08, 2023 · Amount on Record
Deed Document Number	2023248339
Deed Book / Page	9939 / 1262
Record Updated	Sep 20, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Nov 27, 2023
Property Address	2524 SPENCE DR NE, PALM BAY, FL 32905-2526
Document Number	0099391262
Book / Page	9939 / 1262
Map Reference	MB 9 PG 59
Instrument Date	Nov 22, 2023
Instrument	2023248339
Transaction Type	Transfer
Record Updated	Dec 11, 2023
Title Company	ALLIANCE TITLE INSURANCE AGENCY INC, ALLIANCE TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Tax	$1,428.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1832 SURREY CT, ROCKLEDGE, FL 32955-6710

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2524 SPENCE DR NE, PALM BAY, FL 32905-2526

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	May 08, 2023
Property Address	2524 SPENCE DR NE, PALM BAY, FL 32905-2526
Document Number	0097810839
Book / Page	9781 / 839
Map Reference	MB 9 PG 59
Instrument Date	May 05, 2023
Instrument	2023091972
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	ALLIANCE TITLE INSURANCE AGENCY INC, ALLIANCE TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Tax	$1,233.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1941 TALLPINE RD, MELBOURNE, FL 32935-4348

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1832 SURREY CT, ROCKLEDGE, FL 32955-6710

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	2524 SPENCE DR NE, PALM BAY, FL 32905-2526
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0081442749
Date	Apr 20, 2018
Book Page	8144/2749
Instrument	2018088766

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Brevard County records · Assessment roll updated August 18, 2026 · Last verified August 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$131,660 (+12.97%)	$131,660 (+12.97%)
2025	$2,178.00 (+1,151.72%)	$116,540 (+277.64%) Land $45,000 Building $71,540	$116,540 (-0.51%) Land $45,000 Building $71,540
2023	$174.00 (+12.99%) Homeowner's exemption	$30,860 (+2.97%)	$117,140 (+7.98%) Land $45,000 Building $72,140
2022	$154.00 Homeowner's exemption	$29,970	$108,480 Land $45,000 Building $63,480

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Brevard County (12009C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120090651231, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 15 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017, other causes, Hurricane Irma

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 200 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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