Brevard County property record for 2908 Garden Ter NE, Palm Bay, FL 32905
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,780 sqft · built 1972 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | Individual Name on File |
| Last Sale | $245,000 (Feb 2022) |
| Tax Bill | $3,601 (2025) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-37-25-FO-*-H.02 |
| Primary APN | 28-37-25-FO-*-H.02 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,780 sqft Living Area |
| Gross Area | 2,480 sqft |
| 1st Floor Area | 1,780 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Built-Up Asphalt |
| Lot Area | 15,682 sqft (0.36 acres) |
| Lot Dimensions | 125 ft deep x 125 ft wide |
| Garage Type | Carport |
| Garage Area | 420 sqft |
| Carport | Carport |
| Carport Area | 420 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 200 sqft |
| Patio Area | 100 sqft |
| Utility Building | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2833025 |
|---|---|
| Street Address | 2908 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 ELY 125 FT OF TRACT H AS DES IN ORB 1323 PG 591 |
| 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 |
2908 Garden Ter NE is owned and occupied by an individual who bought it in February 2022.
Source: Brevard County records, as of August 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2908 GARDEN TER NE, PALM BAY, FL 32905-5608 |
| 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.
| Date | Document |
|---|---|
| Feb 22, 2022 | Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP |
| Feb 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 22, 2022 · Amount on File |
| Deed Sale | Feb 22, 2022 · Amount on File |
| Prior Sale | Aug 12, 2015 · Amount on File |
| Deed Document Number | 202244395 |
| Deed Book / Page | 9422 / 192 |
| Prior Transfer Date | Aug 28, 2012 |
| Prior Transfer Doc | 0067220527 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Feb 22, 2022 |
| Property Address | 2908 GARDEN TER NE, PALM BAY, FL 32905-5608 |
| Document Number | 0094220192 |
| Book / Page | 9422 / 192 |
| Map Reference | MB 14 PG 18-23 |
| Instrument Date | Feb 18, 2022 |
| Instrument | 2022044395 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2022 |
| Title Company | SUPREME TITLE CLOSINGS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,715.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 107 W LEXINGTON AVE, 107, ELKHART, IN 46516-3107 |
| Name | Verified Name |
|---|---|
| Address | 2908 GARDEN TER NE, PALM BAY, FL 32905-5608 |
| Document Number | 0009422196 |
|---|---|
| Date | Feb 22, 2022 |
| Instrument | 9422/196 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 2908 GARDEN TER NE, PALM BAY, FL 32905-5608 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2021 |
| Name | Verified Name |
|---|---|
| Address | 107 W LEXINGTON AVE, ELKHART, IN 46516-3107 |
| Document Number | 0090070521 |
|---|---|
| Date | Feb 8, 2021 |
| Book Page | 9007/521 |
| Instrument | 2021029762 |
| Name | NEWREZ LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 176 Months |
| Due | Oct 1, 2035 |
The 2025 property tax bill for 2908 Garden Ter NE was $3,601 with a homeowner's exemption, down 5.1% from the year before.
Source: Brevard County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Brevard County |
| Municipality | Palm Bay City |
| Unified School District | Brevard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $240,620 (+1.51%) | $240,620 (+1.51%) | |
| 2025 | $3,601.00 (-5.11%) Homeowner's exemption | $237,050 | $237,050 |
| 2024 | $3,795.00 (-1.02%) | ||
| 2023 | $3,834.00 (+12.01%) Homeowner's exemption | $245,170 (+13.09%) Land $36,750 Building $208,420 | $245,170 (+13.09%) Land $36,750 Building $208,420 |
| 2022 | $3,423.00 | $216,800 Land $36,750 Building $180,050 | $216,800 Land $36,750 Building $180,050 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2908 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 risk around 2908 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.
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 |
| 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.
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 |
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