Brevard County property record for 308 Surf Rd, Melbourne Beach, FL 32951
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,314 sqft · built 1961 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $430,000 (Mar 2018) |
| Tax Bill | $5,246 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Feb 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-38-08-FZ-37-3 |
| Primary APN | 28-38-08-FZ-37-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,314 sqft Living Area |
| Gross Area | 1,976 sqft |
| 1st Floor Area | 1,314 sqft |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 12,632 sqft (0.29 acres) |
| Lot Dimensions | 125 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 90 sqft |
| Deck Area | 772 sqft |
| Patio Area | 165 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2848094 |
|---|---|
| Street Address | 308 SURF RD |
| City | MELBOURNE BEACH |
| State | FL |
| Zip | 32951-2650 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 2RS |
| Legal Description | ROMAC SUBD LOT 3 BLK 37 |
| Legal Range | 38E |
| Legal Township | 28S |
| Legal Section | 08 |
| Legal Subdivision | ROMAC SUBD |
| Legal Block | 37 |
| Legal Lot Number | 3 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | INDIALANTIC-MELBOURNE BEACH |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 66101 |
308 Surf Rd is owned and occupied by two individuals who bought it in March 2018.
Source: Brevard County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 308 SURF RD, MELBOURNE BEACH, FL 32951-2650 |
| 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.
| Date | Document |
|---|---|
| Sep 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Feb 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Mar 20, 2018 | Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 20, 2018 · Amount on File |
| Deed Sale | Mar 20, 2018 · Amount on File |
| Prior Sale | Oct 31, 2016 · Amount on File |
| Deed Document Number | 201861130 |
| Deed Book / Page | 8117 / 1687 |
| Prior Transfer Date | Feb 16, 2016 |
| Prior Transfer Doc | 0075521928 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 308 SURF RD, MELBOURNE BEACH, FL 32951-2650 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0092632803 |
|---|---|
| Date | Sep 21, 2021 |
| Book Page | 9263/2803 |
| Instrument | 2021245912 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Address | BURLINGAME, CA 94010 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 308 SURF RD, MELBOURNE BEACH, FL 32951-2650 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0086551306 |
|---|---|
| Date | Feb 4, 2020 |
| Book Page | 8655/1306 |
| Instrument | 2020027391 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Address | BURLINGAME, CA 94010 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Mar 20, 2018 |
| Property Address | 308 SURF RD, MELBOURNE BEACH, FL 32951-2650 |
| Document Number | 0081171687 |
| Book / Page | 8117 / 1687 |
| Map Reference | MB10 PG53 |
| Instrument Date | Mar 19, 2018 |
| Instrument | 2018061130 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2021 |
| Title Company | ALLIANCE TITLE INS AGENCY IN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,010.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2964 LIMPET CT, 2964, INDIALANTIC, FL 32903-1825 |
| Name | Verified Name |
|---|---|
| Address | 308 SURF RD, MELBOURNE BEACH, FL 32951-2650 |
| Document Number | 2018061131 |
|---|---|
| Date | Mar 20, 2018 |
| Instrument | 2018061131 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
The 2025 property tax bill for 308 Surf Rd was $5,246 with a homeowner's exemption, up 2.9% from the year before.
Source: Brevard County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Brevard County |
| Municipality | Melbourne Beach Town |
| Unified School District | Brevard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $391,450 (+2.7%) | $536,920 (+0.62%) | |
| 2025 | $5,246.00 (+2.92%) Homeowner's exemption | $381,160 | $533,610 |
| 2024 | $5,097.00 (+2.37%) | ||
| 2023 | $4,979.00 (+1.86%) Homeowner's exemption | $359,640 (+3%) | $586,200 (+12.88%) Land $309,750 Building $276,450 |
| 2022 | $4,888.00 Homeowner's exemption | $349,170 | $519,330 Land $288,750 Building $230,580 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 308 Surf Rd in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1995.
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 91 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 118 units insured incl. 27 condo units |
| Nearby Flood Claims | 26 (1995–2017) |
| Claims Outside the SFHA | 22 of 26 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
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 308 Surf Rd 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 MELBOURNE serves 167,753 people · EPA ID FL3051447 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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 255 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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