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  5. Richards Rd

305 Richards Rd, Melbourne Beach, FL 32951 Property Records

Brevard County property record for 305 Richards Rd, Melbourne Beach, FL 32951

Property Summary

Property TypeSingle Family Home
Details1,875 sqft · built 2020
Lot Size0.17 acres (7,405 sqft)
Owner2 Individual Names on Record
Tax Bill$6,340 (2025)
Deeds & MortgagesApr 2026 Sale
Jul 2020 Loan Modification
+ 3 more
Flood ZoneZone X (minimal risk)
APN28-38-20-GC-*-20

Property Details

APN / Parcel Number

Primary APN28-38-20-GC-*-20
Alternative APNs
  • 28-38-20-GC-00000.0-0020.00
  • 2849099

Interior

Stories1 Story
Building Area1,875 sqft Living Area
Gross Area2,727 sqft
1st Floor Area1,875 sqft

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2022
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area7,405 sqft (0.17 acres)
Lot Dimensions101 ft deep x 75 ft wide
Garage TypeAttached
Garage Area439 sqft
PorchFinished/Open Porch
Deck Area673 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number2849099
Street Address305 RICHARDS RD
CityMELBOURNE BEACH
StateFL
Zip32951-3005
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRU19
Legal DescriptionKIRKTON RICHARDS SUBD LOT 20
Legal Range38E
Legal Township28S
Legal Section20
Legal SubdivisionKIRKTON RICHARDS SUBD
Legal Lot Number20
JurisdictionBREVARD FL
Township / Civil DivisionMELBOURNE SHORES-FLORIDANA BEACH
Census Block Group1
Census Block1009
Census Tract66103

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address305 RICHARDS RD, MELBOURNE BEACH, FL 32951-3005
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Apr 29, 2026Warranty Deed, Transfer
NONE LISTED ON DOCUMENT
Jul 28, 2020Loan Modification, Mortgage
FBC MTG
Jan 17, 2020Deed of Trust, Construction Loan · Line of Credit
FBC MTG
Jan 17, 2020Quit Claim Deed, Construction Loan
STATE TITLE PARTNERS LLP, STATE TITLE PTRS LLP
Oct 5, 2018Quit Claim Deed, Transfer
EXPRESS L C L SERVICES

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateOct 5, 2018
Transfer Doc0082782848
Record UpdatedSep 20, 2026

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateApr 29, 2026
Property Address305 RICHARDS RD, MELBOURNE BEACH, FL 32951-3005
Document Number0106110752
Book / Page10611 / 752
Instrument DateApr 29, 2026
Instrument202686782
Transaction TypeTransfer
Record UpdatedAug 28, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
Tax$70.70
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address305 RICHARDS RD, MELBOURNE BEACH, FL 32951-3005

July 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBREVARD FL
Property Address305 RICHARDS RD, MELBOURNE BEACH, FL 32951-3005
Document Number0088081872
Instrument DateJul 28, 2020
Transaction TypeMortgage
Record UpdatedAug 18, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address305 RICHARDS RD MELBOURNE BEACH FL 32951, MELBOURNE BEACH, FL 32951

Mortgage

Document Number0088081872
DateJul 29, 2020
Book Page008808/001872
Instrument161335
Lender
NameFBC MTG
TypeMortgage Company
AddressORLANDO, FL 32801
Agreement
AmountAmount Recorded
Term360 Months
DueJul 28, 2050
Interest
Rate TypeFixed Rate
Rate3.25%

January 2020: Deed of Trust, Construction Loan

Document TypeDeed of Trust
JurisdictionBREVARD FL
Recording DateJan 17, 2020
Property Address305 RICHARDS RD, MELBOURNE BEACH, FL 32951-3005
Document Number0086402969
Book / Page008640 / 002969
Instrument DateJan 15, 2020
Instrument13340
Transaction TypeConstruction Loan
Record UpdatedNov 20, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address300 RITA BLVD MELBOURNE FL 329513063, MELBOURNE, FL 32951-3063

Mortgage

Document Number86402969
DateJan 17, 2020
Book Page008640/002969
Instrument13340
Lender
NameFBC MTG
TypeMortgage Company
AddressORLANDO, FL 32801
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJan 16, 2050
Interest
Rate TypeAdjustable Rate
Rate5.87%

January 2020: Quit Claim Deed, Construction Loan

Document TypeQuit Claim Deed
JurisdictionBREVARD FL
Recording DateJan 17, 2020
Property Address305 RICHARDS RD, MELBOURNE BEACH, FL 32951-3005
Document Number0086402968
Book / Page008640 / 002968
Instrument DateJan 15, 2020
Instrument13339
Transaction TypeConstruction Loan
Record UpdatedFeb 25, 2020
Title CompanySTATE TITLE PARTNERS LLP, STATE TITLE PTRS LLP

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address310 RITA BLVD MELBOURNE BEACH FL 329513063, MELBOURNE BEACH, FL 32951-3063

October 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBREVARD FL
Recording DateOct 5, 2018
Property Address305 RICHARDS RD, MELBOURNE BEACH, FL 32951-3005
Document Number0082782848
Book / Page008278 / 002848
Instrument DateOct 5, 2018
Instrument223661
Transaction TypeTransfer
Record UpdatedOct 23, 2018
Title CompanyEXPRESS L C L SERVICES

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address310 RITA BLVD MELBOURNE FL 329513063, MELBOURNE, FL 32951-3063

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyBrevard County
Unified School DistrictBrevard County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$507,380 (+2.7%)$636,450 (-1.78%)
2025$6,340.00 (+5.9%) Homeowner's exemption$494,050 (+5.99%)$647,960 (-2.01%)
2024$5,987.00 (+1.37%)
2023$5,906.00 (+7.26%) Homeowner's exemption$466,150 (+3%)$661,230 (+15.11%) Land $190,000 Building $471,230
2022$5,506.00 Homeowner's exemption$452,580$574,410 Land $170,000 Building $404,410

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 106 individual policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies133 units insured
incl. 27 condo units
Nearby Flood Claims34 (1984–2017)
Claims Outside the SFHA30 of 34
Most Recent ClaimOct 2017 · Hurricane Irma
Claims by Event
  • Hurricane Irma, Oct 2017 · 3 claims
  • Hurricane Matthew, Oct 2016 · 5 claims
  • Hurricane Frances, Sep 2004 · 9 claims

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

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

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemCITY OF MELBOURNE
serves 167,753 people · EPA ID FL3051447
Water SourceSurface water
Last State InspectionAug 2024
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 136 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL		100 / 20

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