Brevard County property record for 2996 Garden Ter NE, Palm Bay, FL 32905
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,780 sqft · built 1961 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $295,000 (Oct 2025) |
| Tax Bill | $1,898 (2025) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage May 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-37-25-FO-54-1 |
| Primary APN | 28-37-25-FO-54-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,780 sqft Living Area |
| Gross Area | 2,152 sqft |
| 1st Floor Area | 1,780 sqft |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 125 ft deep x 98 ft wide |
| Garage Type | Attached |
| Garage Area | 300 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 72 sqft |
| Patio Area | 416 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2833188 |
|---|---|
| Street Address | 2996 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 1 BLK 54 |
| Legal Subdivision | PORT MALABAR UNIT 4 |
| Legal Block | 54 |
| Legal Lot Number | 1 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | PALM BAY |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 65201 |
2996 Garden Ter NE is owned and occupied by an individual who bought it in October 2025.
Source: Brevard County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2996 GARDEN TER NE, PALM BAY, FL 32905-5622 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
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 |
|---|---|
| Oct 8, 2025 | Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC |
| May 3, 2022 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Apr 8, 2020 | Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 8, 2025 · Amount on File |
| Deed Sale | Oct 8, 2025 · Amount on File |
| Prior Sale | Apr 28, 2025 · Amount on File |
| Deed Document Number | 2025203004 |
| Deed Book / Page | 10451 / 260 |
| Prior Transfer Date | May 3, 2022 |
| Prior Transfer Doc | 0094931900 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Oct 8, 2025 |
| Property Address | 2996 GARDEN TER NE, PALM BAY, FL 32905-5622 |
| Document Number | 0104510260 |
| Book / Page | 10451 / 260 |
| Map Reference | MB 14 PG 18 |
| Instrument Date | Oct 3, 2025 |
| Instrument | 2025203004 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2025 |
| Title Company | WOODEN TITLE AND ESCROW, HOLDEN TITLE AND ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,065.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 741 SW DUXBURY AVE, PORT SAINT LUCIE, FL 34983-2429 |
| Name | Verified Name |
|---|---|
| Address | 2996 GARDEN TER NE, PALM BAY, FL 32905-5622 |
| Document Number | 0010451262 |
|---|---|
| Date | Oct 8, 2025 |
| Instrument | 10451/262 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Number | 0104510277 |
|---|---|
| Date | Oct 8, 2025 |
| Book Page | 10451/277 |
| Instrument | 2025203006 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | May 3, 2022 |
| Property Address | 2996 GARDEN TER NE, PALM BAY, FL 32905-5622 |
| Document Number | 0094931900 |
| Book / Page | 9493 / 1900 |
| Map Reference | MB 14 PG 18-23 |
| Instrument Date | May 3, 2022 |
| Instrument | 2022110858 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 978 BIANCA DR NE, PALM BAY, FL 32905-5840 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 978 BIANCA DR NE, PALM BAY, FL 32905-5840 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Apr 8, 2020 |
| Property Address | 978 BIANCA DR NE, PALM BAY, FL 32905-5840 |
| Document Number | 0087122911 |
| Book / Page | 8712 / 2911 |
| Map Reference | MB 14 PG 18-23 |
| Instrument Date | Apr 6, 2020 |
| Instrument | 2020080276 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2021 |
| Title Company | HERITAGE TITLE AND ESCROW |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,154.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 978 BIANCA DR NE, PALM BAY, FL 32905-5840 |
| Document Number | 87122913 |
|---|---|
| Date | Apr 8, 2020 |
| Instrument | 8712/2913 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
The 2025 property tax bill for 2996 Garden Ter NE was $1,898, up 3% 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 | $232,040 (+57.02%) | $232,040 (+15.79%) | |
| 2025 | $1,898.00 (+2.98%) | $147,780 (+2.9%) | $200,400 (-2.64%) |
| 2024 | $1,843.00 (+6.22%) Homeowner's exemption Disabled Person's exemption | $143,620 (+5.12%) | $205,830 (-0.93%) Land $70,000 Building $135,830 |
| 2023 | $1,735.00 (+0.17%) Homeowner's exemption Disabled Person's exemption | $136,620 (+2.99%) | $207,770 (+12.04%) Land $35,000 Building $172,770 |
| 2022 | $1,732.00 Homeowner's exemption Disabled Person's exemption | $132,650 | $185,440 Land $35,000 Building $150,440 |
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.
FEMA maps place 2996 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.
The area around 2996 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.
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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