2900 Garden Ter NE, Palm Bay, FL 32905 Property Records

Brevard County property record for 2900 Garden Ter NE, Palm Bay, FL 32905

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1972
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$118,000 (Dec 2016)
Tax Bill	$1,572 (2025)
Deeds & Mortgages	Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-37-25-FO-*-H.03`

Property Details

APN / Parcel Number

Primary APN	`28-37-25-FO-*-H.03`
Alternative APNs	`28-37-25-FO-00000.0-000H.03` `2833026`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Living Area
Gross Area	1,744 sqft
1st Floor Area	1,344 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	15,246 sqft (0.35 acres)
Lot Dimensions	139 ft deep x 109 ft wide
Garage Type	Carport
Garage Area	228 sqft
Carport	Carport
Carport Area	228 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	64 sqft
Deck Area	208 sqft
Patio Area	208 sqft
Utility Building	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2833026
Street Address	2900 GARDEN TER NE
City	PALM BAY
State	FL
Zip	32905-5608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS2
Legal Description	PORT MALABAR UNIT 4 PART OF TRACT H AS DES IN ORB 1795 PG 295
Legal Range	37E
Legal Township	28S
Legal Section	25
Legal Subdivision	PORT MALABAR UNIT 4
Legal Tract	H
Legal Lot Number	H
Legal Unit	4
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	4
Census Block	4026
Census Tract	65201

Owner

2900 Garden Ter NE is owned and occupied by two individuals who bought it in December 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	2900 GARDEN NE TER NE, PALM BAY, FL 32905
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2016 · Amount on File
Deed Sale	Dec 8, 2016 · Amount on File
Prior Sale	Sep 1, 2016 · Amount on File
Deed Document Number	2016240754
Deed Book / Page	7772 / 230
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	2900 GARDEN TER NE, PALM BAY, FL 32905-5608
Transaction Type	Mortgage
Record Updated	Mar 17, 2022
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2900 GARDEN TER NE, PALM BAY, FL 32905-5608

Mortgage

Document Number	0094240562
Date	Feb 23, 2022
Book Page	9424/562
Instrument	2022046457

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 2900 Garden Ter NE was $1,572 with a homeowner's exemption.

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		$128,100 (+2.69%)	$210,330 (-1.48%)
2025	$1,572.00 Homeowner's exemption	$124,740	$213,490 Land $73,500 Building $139,990
2023	$1,477.00 (+5.58%) Homeowner's exemption	$117,700 (+2.99%)	$217,520 (+13.78%) Land $36,750 Building $180,770
2022	$1,399.00 Homeowner's exemption	$114,280	$191,170 Land $36,750 Building $154,420

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

Flood

FEMA maps place 2900 Garden Ter NE in Zone X, an area of minimal flood risk.

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 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 in force

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 2900 Garden Ter NE is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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 401 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20