3082 Garden Ter NE, Palm Bay, FL 32905 Property Records

Brevard County property record for 3082 Garden Ter NE, Palm Bay, FL 32905

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,517 sqft · built 1967
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$54,000 (Mar 2026)
Tax Bill	$2,974 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-37-25-06-40-3`

Property Details

APN / Parcel Number

Primary APN	`28-37-25-06-40-3`
Alternative APNs	`28-37-25-06-00040.0-0003.00` `2834079`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,517 sqft Living Area
Gross Area	2,052 sqft
1st Floor Area	1,517 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1995
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	114 ft deep x 104 ft wide
Garage Type	Attached
Garage Area	339 sqft
Porch	Finished/Open Porch
Porch Area	196 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2834079
Street Address	3082 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 3 BLK 40
Legal Range	37E
Legal Township	28S
Legal Section	25
Legal Subdivision	PORT MALABAR UNIT 2
Legal Block	40
Legal Lot Number	3
Legal Unit	2
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	4
Census Block	4000
Census Tract	65201

Owner

3082 Garden Ter NE is owned and occupied by two individuals who bought it in March 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	3082 GARDEN TER NE, PALM BAY, FL 32905-6002
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Mar 16, 2026	Quit Claim Deed, Transfer · Conventional Mortgage PATRIOT HOME MORTGAGE
Jul 17, 2023	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2026 · Amount on File
Deed Sale	Mar 16, 2026 · Amount on File
Prior Sale	Jul 17, 2023 · Amount on File
Deed Document Number	202651128
Deed Book / Page	10570 / 2133
Prior Transfer Date	Feb 20, 2026
Prior Transfer Doc	0105702133
Record Updated	Oct 29, 2026

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BREVARD FL
Recording Date	Mar 16, 2026
Property Address	3082 GARDEN TER NE, PALM BAY, FL 32905-6002
Document Number	0105702133
Book / Page	10570 / 2133
Map Reference	MB 13 PG 55
Instrument Date	Feb 20, 2026
Instrument	2026051128
Transaction Type	Transfer
Record Updated	Apr 1, 2026
Title Company	LAND TITLE CORPORATION, LANDING TITLE AGENCY INC

Transaction

Amount	Amount on Record
Tax	$378.00
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3082 GARDEN TER NE, PALM BAY, FL 32905-6002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3082 GARDEN TER NE, PALM BAY, FL 32905-6002

Mortgage

Document Number	0105702135
Date	Mar 16, 2026
Instrument	10570/2135

Lender

Name	PATRIOT HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Jul 17, 2023
Property Address	3082 GARDEN TER NE, PALM BAY, FL 32905-6002
Document Number	0098381563
Book / Page	9838 / 1563
Map Reference	MB 13 PG 55
Instrument Date	Jul 3, 2023
Instrument	2023148761
Transaction Type	Transfer
Record Updated	Aug 2, 2023
Title Company	LAND TITLE CORPORATION, LANDING TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4250 PEARHAVEN LN SW, GAINESVILLE, GA 30504-8300

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3082 GARDEN TER NE, PALM BAY, FL 32905-6002

Mortgage

Document Number	0098381565
Date	Jul 17, 2023
Instrument	9838/1565

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 3082 Garden Ter NE was $2,974, down 23.2% 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		$207,810 (+2.7%)	$209,030 (+3.3%)
2025	$2,974.00 (-23.23%) Homeowner's exemption	$202,350	$202,350
2024	$3,874.00 (+118.13%)
2023	$1,776.00 (+4.96%) Homeowner's exemption	$133,880 (+2.99%)	$212,910 (+13.57%) Land $35,000 Building $177,910
2022	$1,692.00 Homeowner's exemption	$129,990	$187,470 Land $35,000 Building $152,470

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

Flood

FEMA maps place 3082 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 3082 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 399 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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