Brevard County property record for 3012 Garden Ter NE, Palm Bay, FL 32905
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,188 sqft · built 1962 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $103,500 (Jul 2016) |
| Tax Bill | $1,246 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-37-25-06-40-11.A |
| Primary APN | 28-37-25-06-40-11.A |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,188 sqft Living Area |
| Gross Area | 1,619 sqft |
| 1st Floor Area | 1,188 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Carport |
| Garage Area | 220 sqft |
| Carport | Carport |
| Carport Area | 220 sqft |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 46 sqft |
| Patio Area | 220 sqft |
| Utility Building | 165 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 2834088 |
|---|---|
| Street Address | 3012 GARDEN TER NE |
| City | PALM BAY |
| State | FL |
| Zip | 32905-6002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS2 |
| Legal Description | PORT MALABAR UNIT 2 LOT 11 A BLK 40 |
| Legal Range | 37E |
| Legal Township | 28S |
| Legal Section | 25 |
| Legal Subdivision | PORT MALABAR UNIT 2 |
| Legal Block | 40 |
| Legal Lot Number | 11 |
| Legal Unit | 2 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | PALM BAY |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 65201 |
3012 Garden Ter NE is owned and occupied by an individual who bought it in July 2016.
Source: Brevard County records, as of August 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3012 GARDEN NE TER NE, PALM BAY, FL 32905 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2016 · Amount on File |
| Deed Sale | Jul 1, 2016 · Amount on File |
| Deed Book / Page | 7676 / 1557 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 3012 GARDEN TER NE, PALM BAY, FL 32905-6002 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3012 GARDEN TER NE, PALM BAY, FL 32905-6002 |
| Document Number | 0104812974 |
|---|---|
| Date | Nov 18, 2025 |
| Book Page | 10481/2974 |
| Instrument | 2025231116 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 8, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 3012 Garden Ter NE was $1,246 with a homeowner's exemption.
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 | $109,600 (+2.7%) | $179,320 (+0.63%) | |
| 2025 | $1,246.00 Homeowner's exemption | $106,720 | $178,200 Land $70,000 Building $108,200 |
| 2023 | $1,163.00 (+6.6%) Homeowner's exemption | $100,700 (+3%) | $186,090 (+13.6%) Land $35,000 Building $151,090 |
| 2022 | $1,091.00 Homeowner's exemption | $97,770 | $163,810 Land $35,000 Building $128,810 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3012 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 3012 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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