292 Carmel Dr, Melbourne, FL 32940 Property Records

Brevard County property record for 292 Carmel Dr, Melbourne, FL 32940

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,721 sqft · built 1994
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Apr 2025)
Tax Bill	$2,381 (2025)
Deeds & Mortgages	Jun 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`26-36-11-79-*-48`

Property Details

APN / Parcel Number

Primary APN	`26-36-11-79-*-48`
Alternative APNs	`26-36-11-79-00000.0-0048.00` `2615309`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,721 sqft Living Area
Gross Area	2,496 sqft
1st Floor Area	1,721 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	506 sqft
Porch	Screened/Unfinished Porch
Porch Area	269 sqft
Patio Area	145 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2615309
Street Address	292 CARMEL DR
City	MELBOURNE
State	FL
Zip	32940-7782
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	WEST LAKE VILLAGE UNIT TWO LOT 48
Legal Range	36E
Legal Township	26S
Legal Section	11
Legal Subdivision	WEST LAKE VILLAGE UNIT TWO
Legal Lot Number	48
Legal Unit	2
Jurisdiction	BREVARD FL
Township / Civil Division	COCOA-ROCKLEDGE
Census Block Group	3
Census Block	3003
Census Tract	63109

Owner

292 Carmel Dr is owned by two individuals who bought it in April 2025.

Source: Brevard County records, as of August 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1912 BIG CYPRESS DR, SAINT CLOUD, FL 34771-8008
Owner Type	Individual
Vesting	Husband and Wife

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	Apr 11, 2025 · Amount on File
Deed Sale	Apr 11, 2025 · Amount on File
Prior Sale	Apr 22, 1998 · Amount on File
Deed Document Number	202572325
Deed Book / Page	10308 / 1006
Record Updated	Oct 29, 2026

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BREVARD FL
Property Address	292 CARMEL DR, MELBOURNE, FL 32940-7782
Document Number	0079671936
Instrument Date	Jun 22, 2017
Transaction Type	Mortgage
Record Updated	Aug 24, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	292 CARMEL DR MELBOURNE FL 329407782, MELBOURNE, FL 32940-7782

Mortgage

Document Number	0079671936
Date	Aug 23, 2017
Book Page	007967/001936
Instrument	177267

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 22, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 292 Carmel Dr was $2,381.

Source: Brevard County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Brevard County
Unified School District	Brevard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$337,730 (+92.88%)	$337,730 (-1.1%)
2025	$2,381.00	$175,100	$341,480
2023	$2,152.00 (+7.65%) Homeowner's exemption	$165,220 (+3%)	$342,640 (+8.57%) Land $95,000 Building $247,640
2022	$1,999.00 Homeowner's exemption	$160,410	$315,580 Land $95,000 Building $220,580

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 292 Carmel Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 149 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	149 in force
Nearby Flood Claims	2 (2008–2017)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2017 · Hurricane Irma

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

The area around 292 Carmel Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 COCOA serves 294,039 people · EPA ID FL3050223
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	2 ppb (2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 313 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20