2964 Garden Ter NE, Palm Bay, FL 32905 Property Records

Brevard County property record for 2964 Garden Ter NE, Palm Bay, FL 32905

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,288 sqft · built 1961
Lot Size	0.22 acres (9,583 sqft)
Owner	Company Name on File
Last Sale	$180,000 (Feb 2023)
Tax Bill	$3,253 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-37-25-FO-54-5`

Property Details

APN / Parcel Number

Primary APN	`28-37-25-FO-54-5`
Alternative APNs	`28-37-25-FO-00054.0-0005.00` `2833192`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,288 sqft Living Area
Gross Area	2,084 sqft
1st Floor Area	1,288 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	Built-Up Asphalt
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	204 sqft
Carport	Carport
Carport Area	204 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	524 sqft
Utility Building	68 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2833192
Street Address	2964 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 5 BLK 54
Legal Range	37E
Legal Township	28S
Legal Section	25
Legal Subdivision	PORT MALABAR UNIT 4
Legal Block	54
Legal Lot Number	5
Legal Unit	4
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	4
Census Block	4013
Census Tract	65201

Owner

2964 Garden Ter NE is owned by a company that bought it in February 2023.

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

Owner of Record	Company Name on File
Mailing Address	3859 NW 77TH AVE, LAUDERHILL, FL 33351-6345
Owner Type	Company
Vesting	Limited Liability Company

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	Name on Deed
Last Sale	Feb 28, 2023 · Amount on File
Deed Sale	Feb 28, 2023 · Amount on File
Prior Sale	Jun 3, 2015 · Amount on File
Deed Document Number	202339884
Deed Book / Page	9727 / 1355
Prior Transfer Date	Feb 15, 1999
Prior Transfer Doc	3980002586
Record Updated	Sep 20, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Feb 28, 2023
Property Address	2964 GARDEN TER NE, PALM BAY, FL 32905-5622
Document Number	0097271355
Book / Page	9727 / 1355
Map Reference	MB 14 PG 18-23
Instrument Date	Feb 27, 2023
Instrument	2023039884
Transaction Type	Transfer
Record Updated	Mar 14, 2023
Title Company	TRANSAMERICAN TITLE AND SETTLEMENT, TRANSAMERICAN TTL & STLMT SV

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	635 AMERICANA BLVD NE, PALM BAY, FL 32907-2010

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3859 NW 77TH AVE, LAUDERHILL, FL 33351-6345

Mortgage

Document Number	0097271357
Date	Feb 28, 2023
Instrument	9727/1357

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 2964 Garden Ter NE was $3,253, down 2.9% 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		$176,800 (+0.42%)	$176,800 (+0.42%)
2025	$3,253.00 (-2.87%)	$176,060	$176,060
2024	$3,349.00 (+50.79%)
2023	$2,221.00 (+15.8%)	$183,800 (+14.07%) Land $35,000 Building $148,800	$183,800 (+14.07%) Land $35,000 Building $148,800
2022	$1,918.00	$161,130 Land $35,000 Building $126,130	$161,130 Land $35,000 Building $126,130

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

Flood

FEMA maps place 2964 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 2964 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