Brevard County property record for 2909 Garden Ter NE, Palm Bay, FL 32905
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,162 sqft · built 1962 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,286 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage May 2025 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-37-25-FO-38-15 |
| Primary APN | 28-37-25-FO-38-15 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,162 sqft Living Area |
| Gross Area | 1,542 sqft |
| 1st Floor Area | 1,162 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Garage Type | Carport |
| Garage Area | 240 sqft |
| Carport | Carport |
| Carport Area | 240 sqft |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 56 sqft |
| Patio Area | 56 sqft |
| Utility Building | 84 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Gravity Furnace |
| Account Number | 2833124 |
|---|---|
| Street Address | 2909 GARDEN TER NE |
| City | PALM BAY |
| State | FL |
| Zip | 32905-5621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS2 |
| Legal Description | PORT MALABAR UNIT 4 LOT 15 BLK 38 |
| Legal Range | 37E |
| Legal Township | 28S |
| Legal Section | 25 |
| Legal Subdivision | PORT MALABAR UNIT 4 |
| Legal Block | 38 |
| Legal Lot Number | 15 |
| Legal Unit | 4 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | PALM BAY |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 65201 |
2909 Garden Ter NE is owned and occupied by two individuals who acquired it in December 2024.
Source: Brevard County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2909 GARDEN TER NE, PALM BAY, FL 32905-5621 |
| 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 |
|---|---|
| Mar 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 23, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 10, 2024 |
| Transfer Doc | 0102332861 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 2909 GARDEN TER NE, PALM BAY, FL 32905-5621 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2909 GARDEN TER NE, PALM BAY, FL 32905-5621 |
| Document Number | 0105720484 |
|---|---|
| Date | Mar 17, 2026 |
| Book Page | 10572/484 |
| Instrument | 2026052279 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2046 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | May 23, 2025 |
| Property Address | 2909 GARDEN TER NE, PALM BAY, FL 32905-5621 |
| Document Number | 0103422258 |
| Book / Page | 10342 / 2258 |
| Map Reference | MB 14 PG 23 |
| Instrument Date | May 15, 2025 |
| Instrument | 2025103931 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7883 E 500 S, BURLINGTON, IN 46915-9783 |
| Name | Verified Name |
|---|---|
| Address | 2909 GARDEN TER NE, PALM BAY, FL 32905-5621 |
The 2025 property tax bill for 2909 Garden Ter NE was $2,286, up 3.6% 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 | $160,450 (-2.09%) | $160,450 (-2.09%) | |
| 2025 | $2,286.00 (+3.63%) | $163,870 | $163,870 |
| 2024 | $2,206.00 (+2.32%) | ||
| 2023 | $2,156.00 (+14.86%) | $170,140 (+13.78%) Land $35,000 Building $135,140 | $170,140 (+13.78%) Land $35,000 Building $135,140 |
| 2022 | $1,877.00 | $149,540 Land $35,000 Building $114,540 | $149,540 Land $35,000 Building $114,540 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2909 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 2909 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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