3074 Garden Ter NE, Palm Bay, FL 32905 Property Records

Brevard County property record for 3074 Garden Ter NE, Palm Bay, FL 32905

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,228 sqft · built 1962
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$242,000 (Apr 2026)
Tax Bill	$3,495 (2025)
Deeds & Mortgages	Apr 2026 Sale Sep 2025 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28-37-25-06-40-4`

Property Details

APN / Parcel Number

Primary APN	`28-37-25-06-40-4`
Alternative APNs	`28-37-25-06-00040.0-0004.00` `2834080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,228 sqft Living Area
Gross Area	1,356 sqft
1st Floor Area	1,228 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2001
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	156 ft deep x 73 ft wide

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	88 sqft
Deck Area	676 sqft
Patio Area	212 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2834080
Street Address	3074 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 4 BLK 40
Legal Range	37E
Legal Township	28S
Legal Section	25
Legal Subdivision	PORT MALABAR UNIT 2
Legal Block	40
Legal Lot Number	4
Legal Unit	2
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	4
Census Block	4000
Census Tract	65201

Owner

3074 Garden Ter NE is owned and occupied by an individual who bought it in April 2026.

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

Owner of Record	Individual Name on File
Mailing Address	3074 GARDEN TER NE, PALM BAY, FL 32905-6002
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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

Date	Document
Apr 17, 2026	Warranty Deed, Transfer STATE TITLE PARTNERS
Sep 8, 2025	Warranty Deed, Transfer MARINA TITLE LLC
Jul 31, 2020	Warranty Deed, Subdivision Related Transfer SUPREME TITLE CLOSINGS LLC
May 14, 2020	Warranty Deed, Transfer MASSEY WILLIAM W III L/TR (RT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2026 · Amount on File
Deed Sale	Apr 17, 2026 · Amount on File
Prior Sale	Sep 8, 2025 · Amount on File
Deed Document Number	202677967
Deed Book / Page	10601 / 1755
Prior Transfer Date	Dec 4, 2013
Prior Transfer Doc	0070280883
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Apr 17, 2026
Property Address	3074 GARDEN TER NE, PALM BAY, FL 32905-6002
Document Number	0000077967
Book / Page	10601 / 1755
Instrument Date	Apr 16, 2026
Instrument	2026.77967
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	STATE TITLE PARTNERS

Transaction

Amount	Amount on Record
Tax	$171,094.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Sep 8, 2025
Property Address	3074 GARDEN TER NE, PALM BAY, FL 32905-6002
Document Number	0104252866
Book / Page	10425 / 2866
Map Reference	MB 13 PG 55
Instrument Date	Sep 3, 2025
Instrument	2025179989
Transaction Type	Transfer
Record Updated	Apr 30, 2026
Title Company	MARINA TITLE LLC

Transaction

Amount	Amount on Record
Tax	$1,155.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	636 E LINCOLN AVE, MELBOURNE, FL 32901-4645

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3091 MICHIGAN ST, MELBOURNE, FL 32904-9036

July 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Jul 31, 2020
Property Address	3074 GARDEN TER NE, PALM BAY, FL 32905-6002
Document Number	0088111153
Book / Page	008811 / 001153
Instrument Date	Jul 30, 2020
Instrument	163462
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 18, 2020
Title Company	SUPREME TITLE CLOSINGS LLC

Transaction

Amount	Amount on Record
Tax	$1,323.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3074 GARDEN TER NE PALM BAY FL 329056002, PALM BAY, FL 32905-6002

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	May 14, 2020
Property Address	3074 GARDEN TER NE, PALM BAY, FL 32905-6002
Document Number	0087412694
Book / Page	008741 / 002694
Instrument Date	May 14, 2020
Instrument	104894
Transaction Type	Transfer
Record Updated	Jun 26, 2020
Title Company	SUPREME TITLE CLOSINGS LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1915 OLYMPIA AVE SW PALM BAY FL 329081243, PALM BAY, FL 32908-1243

Mortgage

Document Number	87412696
Date	May 14, 2020
Book Page	008741/002696
Instrument	104895

Lender

Name	MASSEY WILLIAM W III L/TR (RT)
Address	2434 ATLANTIC BLVD # 200, JACKSONVILLE, FL 32207-3577

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3074 Garden Ter NE was $3,495, up 3.6% 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		$199,400 (+2.33%)	$199,400 (+2.33%)
2025	$3,495.00 (+3.59%)	$194,860	$194,860
2024	$3,374.00 (+4.85%)
2023	$3,218.00 (+10.85%)	$201,390 (+11.2%) Land $35,000 Building $166,390	$201,390 (+11.2%) Land $35,000 Building $166,390
2022	$2,903.00	$181,100 Land $35,000 Building $146,100	$181,100 Land $35,000 Building $146,100

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

Flood

FEMA maps place 3074 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 3074 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 404 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

May also be available: T-Mobile.

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