2948 Garden Ter NE, Palm Bay, FL 32905 Property Records

Brevard County property record for 2948 Garden Ter NE, Palm Bay, FL 32905

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,674 sqft · built 1961
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$124,900 (Jan 2016)
Tax Bill	$72 (2025)
Deeds & Mortgages	Jan 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`28-37-25-FO-54-7`

Property Details

APN / Parcel Number

Primary APN	`28-37-25-FO-54-7`
Alternative APNs	`28-37-25-FO-00054.0-0007.00` `2833194`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,674 sqft Living Area
Gross Area	2,180 sqft
1st Floor Area	1,674 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1995
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	330 sqft
Porch	Finished/Open Porch
Porch Area	176 sqft
Deck Area	606 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2833194
Street Address	2948 GARDEN TER NE
City	PALM BAY
State	FL
Zip	32905-5622
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS2
Legal Description	PORT MALABAR UNIT 4 LOT 7 BLK 54
Legal Range	37E
Legal Township	28S
Legal Section	25
Legal Subdivision	PORT MALABAR UNIT 4
Legal Block	54
Legal Lot Number	7
Legal Unit	4
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	4
Census Block	4013
Census Tract	65201

Owner

2948 Garden Ter NE is owned and occupied by two individuals who bought it in January 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	2948 GARDEN TER NE, PALM BAY, FL 32905-5622
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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	Jan 20, 2016 · Amount on File
Deed Sale	Jan 20, 2016 · Amount on File
Prior Sale	Dec 16, 2009 · Amount on File
Deed Document Number	201610292
Deed Book / Page	7533 / 1143
Prior Transfer Date	Dec 10, 2013
Prior Transfer Doc	0070272974
Record Updated	Sep 20, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BREVARD FL
Recording Date	Jan 23, 2026
Property Address	2948 GARDEN TER NE, PALM BAY, FL 32905-5622
Document Number	0105300338
Book / Page	10530 / 338
Map Reference	MB 14 PG 18-23
Instrument Date	Jan 23, 2026
Instrument	2026014337
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2948 GARDEN TER NE, PALM BAY, FL 32905-5622

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 33, PERKINSVILLE, VT 05151-0033

Tax Assessment & Valuation

The 2025 property tax bill for 2948 Garden Ter NE was $72, up 4.3% from the year before.

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		$137,180 (+2.7%)	$228,040 (+3.79%)
2025	$72.00 (+4.35%) Veteran's exemption	$133,580	$219,710
2024	$69.00 (+4.55%)
2023	$66.00 (+6.45%) Disabled Person's exemption Veteran's exemption	$126,040 (+3%)	$227,980 (+12.08%) Land $35,000 Building $192,980
2022	$62.00 Disabled Person's exemption Veteran's exemption	$122,370	$203,410 Land $35,000 Building $168,410

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

Flood

FEMA maps place 2948 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

The area around 2948 Garden Ter NE 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 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