Brevard County property record for 312 Surf Rd, Melbourne Beach, FL 32951
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,543 sqft · built 1961 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,722 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit May 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-38-08-FZ-37-1 |
| Primary APN | 28-38-08-FZ-37-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,543 sqft Living Area |
| Gross Area | 2,121 sqft |
| 1st Floor Area | 1,543 sqft |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 13,939 sqft (0.32 acres) |
| Lot Dimensions | 125 ft deep x 110 ft wide |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 28 sqft |
| Patio Area | 464 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2848092 |
|---|---|
| Street Address | 312 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 1 BLK 37 |
| Legal Range | 38E |
| Legal Township | 28S |
| Legal Section | 08 |
| Legal Subdivision | ROMAC SUBD |
| Legal Block | 37 |
| Legal Lot Number | 1 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | INDIALANTIC-MELBOURNE BEACH |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 66101 |
312 Surf Rd is owned and occupied by two individuals.
Source: Brevard County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 312 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 |
|---|---|
| Jul 7, 2026 | Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE |
| May 1, 2018 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK |
| Apr 22, 2020 | Loan Modification, Mortgage · Conventional Mortgage TRUIST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Jul 7, 2026 |
| Property Address | 312 SURF RD, MELBOURNE BEACH, FL 32951-2650 |
| Document Number | 0000137871 |
| Book / Page | 10670 / 705 |
| Instrument Date | Jun 30, 2026 |
| Instrument | 2026137871 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2026 |
| Title Company | UNITED WHOLESALE MORTGAGE LL |
| Name | Verified Name |
|---|---|
| Address | 312 SURF RD, MELBOURNE BEACH, FL 32951-2650 |
| Document Number | 0000137871, |
|---|---|
| Date | Jul 7, 2026 |
| Book Page | 10670/705 |
| Instrument | 2026137871 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 312 SURF RD, MELBOURNE BEACH, FL 32951-2650 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0081520526 |
|---|---|
| Date | May 1, 2018 |
| Book Page | 8152/0526 |
| Instrument | 2018096324 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 30, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 312 SURF RD, MELBOURNE BEACH, FL 32951-2650 |
| Document Number | 0087302360 |
| Instrument Date | Apr 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2020 |
| Title Company | TITLE365 - OMAHA |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 312 SURF RD MELBOURNE BEACH FL 329512650, MELBOURNE BEACH, FL 32951-2650 |
| Document Number | 0087302360 |
|---|---|
| Date | Apr 30, 2020 |
| Book Page | 008730/002360 |
| Instrument | 96043 |
| Name | TRUIST BK |
|---|---|
| Address | ORLANDO, FL 32809 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 29, 2050 |
The 2025 property tax bill for 312 Surf Rd was $1,722 with a homeowner's exemption.
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 | $151,070 (+2.7%) | $453,250 (+5.03%) | |
| 2025 | $1,722.00 Homeowner's exemption | $147,100 | $431,540 Land $309,750 Building $121,790 |
| 2023 | $1,614.00 (+3.93%) Homeowner's exemption | $138,800 (+3%) | $484,570 (+15.42%) Land $309,750 Building $174,820 |
| 2022 | $1,553.00 Homeowner's exemption | $134,760 | $419,820 Land $288,750 Building $131,070 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 312 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 312 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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