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2525 Spence Dr NE, Palm Bay, FL 32905 Property Records

Brevard County property record for 2525 Spence Dr NE, Palm Bay, FL 32905 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,125 sqft · built 1960
Lot Size0.22 acres (9,583 sqft)
OwnerIndividual Name on File
Last Sale$270,000 (Jan 2024)
Tax Bill$2,206 (2025)
Deeds & MortgagesJan 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN28-37-11-76-F-6

Property Details

APN / Parcel Number

Primary APN28-37-11-76-F-6
Alternative APNs
  • 28-37-11-76-0000F.0-0006.00
  • 2825770

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,125 sqft Living Area
Gross Area1,687 sqft
1st Floor Area1,125 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1960
Effective Year BuiltEffective 1997
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area9,583 sqft (0.22 acres)
Lot Dimensions125 ft deep x 75 ft wide
Garage TypeAttached
Garage Area250 sqft
PorchFlorida Room
Porch Area312 sqft
Patio Area104 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number2825770
Street Address2525 SPENCE DR NE
CityPALM BAY
StateFL
Zip32905-2525
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionFARVIEW SUBD, REPLAT OF PT OF LOT 6 BLK F
Legal Range37E
Legal Township28S
Legal Section11
Legal SubdivisionFARVIEW SUBD, REPLAT OF PT OF
Legal BlockF
Legal Lot Number6
JurisdictionBREVARD FL
Township / Civil DivisionPALM BAY
Census Block Group1
Census Block1012
Census Tract65123

Owner

Source: Brevard County records · APN 28-37-11-76-F-6

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 RecordIndividual Name on File
Mailing Address2525 SPENCE DR NE, PALM BAY, FL 32905-2525
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 09, 2024 · Amount on Record
Deed SaleJan 09, 2024 · Amount on Record
Deed Document Number20244431
Deed Book / Page9966 / 2537
Prior Transfer DateNov 06, 1998
Prior Transfer Doc3923003400
Record UpdatedSep 20, 2026

January 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateJan 09, 2024
Property Address2525 SPENCE DR NE, PALM BAY, FL 32905-2525
Document Number0099662537
Book / Page9966 / 2537
Map ReferenceMB 9 PG 59
Instrument DateDec 29, 2023
Instrument2024004431
Transaction TypeTransfer
Record UpdatedJan 23, 2024
Title CompanyDOCKSIDE TITLE LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,890.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3380 NEWYORK ST, MELBOURNE, FL 32901

Transferred To (Grantee/Buyer)

NameVerified Name
Address2525 SPENCE DR NE, PALM BAY, FL 32905-2525
InvestorPossibly a Property Investor

Mortgage

Document Number0099662539
DateJan 09, 2024
Instrument9966/2539
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2054

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyBrevard County
MunicipalityPalm Bay City
Unified School DistrictBrevard County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2026$164,150 (+2.7%)$171,700 (+7.42%)
2025$2,206.00 (+635.33%) Homeowner's exemption$159,840 (+254.02%) Land $45,000 Building $114,840$159,840 (+20.46%) Land $45,000 Building $114,840
2023$300.00 (-12.79%) Homeowner's exemption Senior Citizen's exemption Widower's exemption$45,150 (+2.99%)$132,690 (+7.08%) Land $45,000 Building $87,690
2022$344.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption$43,840$123,920 Land $45,000 Building $78,920

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 15 individual NFIP policies nearby
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies15 in force
Nearby Flood Claims1 (2017)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 2017, other causes, Hurricane Irma

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (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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