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2581 Spence Dr NE, Palm Bay, FL 32905 Property Records

Brevard County property record for 2581 Spence Dr NE, Palm Bay, FL 32905

Property Summary

Property TypeMulti-Family Dwellings
Details2 bd · 1 ba · 2,458 sqft · built 1958
Lot Size0.22 acres (9,583 sqft)
OwnerCompany Name on File
Last Sale$42,000 (Jul 2012)
Tax Bill$3,229 (2025)
Deeds & MortgagesMar 2022 Line of Credit
Dec 2021 Sale
Flood ZoneZone X (minimal risk)
APN28-37-11-76-F-2

Property Details

APN / Parcel Number

Primary APN28-37-11-76-F-2
Alternative APNs
  • 28-37-11-76-0000F.0-0002.00
  • 2825766

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area2,458 sqft Living Area
Gross Area3,786 sqft
1st Floor Area2,458 sqft

Exterior

Year BuiltBuilt 1958
Effective Year BuiltEffective 1991
Architectural StyleMulti-Family
Exterior MaterialStucco
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 Area455 sqft

Exterior Amenities

PorchEnclosed/Unfinished Porch
Porch Area873 sqft
Deck Area388 sqft
Patio Area966 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number2825766
Street Address2581 SPENCE DR NE
CityPALM BAY
StateFL
Zip32905-2557
Property CategoryResidential
Property TypeResidential > Multi-Unit > Multi-Family Dwellings
Local Zoning CodeHC
Legal DescriptionFARVIEW SUBD, REPLAT OF PT OF LOT 2 BLK F
Legal Range37E
Legal Township28S
Legal Section11
Legal SubdivisionFARVIEW SUBD, REPLAT OF PT OF
Legal BlockF
Legal Lot Number2
JurisdictionBREVARD FL
Township / Civil DivisionPALM BAY
Census Block Group1
Census Block1012
Census Tract65123

Owner

Source: Brevard County assessment roll, APN 28-37-11-76-F-2, as of 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 RecordCompany Name on File
Mailing Address3225 MCLEOD DR, 100, LAS VEGAS, NV 89121-2257
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Mar 24, 2022Deed of Trust, Mortgage · Line of Credit
SEACOAST NATIONAL BANK
Dec 30, 2021Warranty Deed, Transfer
STATE TITLE PARTNERS LLP

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 05, 2012 · Amount on Record
Deed SaleJul 05, 2012 · Amount on Record
Deed Document Number2012129007
Deed Book / Page6636 / 550
Record UpdatedSep 20, 2026

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBREVARD FL
Property Address2581 SPENCE DR NE, PALM BAY, FL 32905-2557
Transaction TypeMortgage
Record UpdatedApr 08, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3325 MCLEOD DR 100, 100, LAS VEGAS, NV 89121-3853

Mortgage

Document Number0094550692
DateMar 24, 2022
Book Page9455/692
Instrument2022074297
Lender
NameSEACOAST NATIONAL BANK
TypeBank
AddressSTUART, FL 34995
Agreement
TypeLine of Credit
AmountAmount Recorded

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateDec 30, 2021
Property Address2581 SPENCE DR NE, PALM BAY, FL 32905-2557
Document Number0093712886
Book / Page9371 / 2886
Map ReferenceMB 9 PG 59
Instrument DateDec 30, 2021
Instrument2021337953
Transaction TypeTransfer
Record UpdatedJan 14, 2022
Title CompanySTATE TITLE PARTNERS LLP

Transaction

AmountAmount Recorded
Tax$2,800.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1804 PLATT ST, 1804, MELBOURNE, FL 32901-4544

Transferred To (Grantee/Buyer)

NameVerified Name
Address3225 MCLEOD DR # 100, 100, LAS VEGAS, NV 89121-2257

Tax Assessment & Valuation

Source: Brevard County assessment roll as of 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 and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$436,800 (+168.5%)$436,800 (+168.5%)
2025$3,229.00 (-2.97%)$162,680 (+4.78%)$162,680 (+4.78%)
2024$3,328.00 (+6.12%)
2023$3,136.00 (+1.59%)$155,260 (+2.08%) Land $35,000 Building $120,260$155,260 (+2.08%) Land $35,000 Building $120,260
2022$3,087.00$152,090 Land $35,000 Building $117,090$152,090 Land $35,000 Building $117,090

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 15 policies
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 · Hurricane Irma

Wildfire

Wildfire RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
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, 200 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile USA
Fixed Wireless		100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3050442, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemCITY OF PALM BAY
serves 140,750 people
Water SourceGroundwater
Last State InspectionAug 2024
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Jan 2023
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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