320 Harding Ave, Cocoa Beach, FL 32931 Property Records

Brevard County property record for 320 Harding Ave, Cocoa Beach, FL 32931

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,332 sqft · built 1993
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$1,000,000 (Jan 2026)
Tax Bill	$3,740 (2025)
Deeds & Mortgages	Jan 2026 Sale Jun 2023 Sale + 2 more
Flood Zone	Zone AO (high risk)
APN	`24-37-26-CG-101-7`

Property Details

APN / Parcel Number

Primary APN	`24-37-26-CG-101-7`
Alternative APNs	`24-37-26-CG-00101.0-0007.00` `2441770`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,332 sqft Living Area
Gross Area	3,478 sqft
1st Floor Area	883 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	696 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	244 sqft
Deck Area	804 sqft
Patio Area	244 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2441770
Street Address	320 HARDING AVE
City	COCOA BEACH
State	FL
Zip	32931-3910
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU-2-15
Legal Description	AVON BY THE SEA LOT 7 BLK 101
Legal Range	37E
Legal Township	24S
Legal Section	26
Legal Subdivision	AVON BY THE SEA
Legal Block	101
Legal Lot Number	7
Jurisdiction	BREVARD FL
Township / Civil Division	COCOA BEACH-CAPE CANAVERAL
Census Block Group	2
Census Block	2024
Census Tract	68501

Owner

320 Harding Ave is owned by two individuals who bought it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	1405 SYKES CREEK DR, MERRITT ISLAND, FL 32953-3136
Owner Type	Individual
Vesting	His 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
Jan 8, 2026	Warranty Deed, Transfer ECHELON TITLE SERVICES LLC
Jun 7, 2023	Deed, Transfer ATTORNEY ONLY, ATTORNEY
Mar 31, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LAUNCH CU
Apr 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAUNCH FEDERAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2026 · Amount on File
Deed Sale	Jan 8, 2026 · Amount on File
Prior Sale	Mar 12, 1999 · Amount on File
Deed Document Number	20263603
Deed Book / Page	10519 / 456
Prior Transfer Date	Aug 20, 2003
Prior Transfer Doc	0000280127
Record Updated	Sep 20, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Jan 8, 2026
Property Address	320 HARDING AVE, COCOA BEACH, FL 32931-3910
Document Number	0105190456
Book / Page	10519 / 456
Map Reference	MB 3 PG 7
Instrument Date	Jan 6, 2026
Instrument	2026003603
Transaction Type	Transfer
Record Updated	Jan 22, 2026
Title Company	ECHELON TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Tax	$7,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	420 HARDING AVE APT 503, 503, COCOA BEACH, FL 32931-5612

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1405 SYKES CREEK DR, MERRITT ISLAND, FL 32953-3136

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BREVARD FL
Recording Date	Jun 7, 2023
Property Address	320 HARDING AVE, COCOA BEACH, FL 32931-3910
Document Number	0098072003
Book / Page	9807 / 2003
Map Reference	MB 3 PG 7
Instrument Date	Jun 1, 2023
Instrument	2023117958
Transaction Type	Transfer
Record Updated	Jun 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 HARDING AVE, COCOA BEACH, FL 32931-3910

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	320 HARDING AVE, COCOA BEACH, FL 32931-3910

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	320 HARDING AVE, COCOA BEACH, FL 32931-3910
Transaction Type	Mortgage
Record Updated	Apr 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 HARDING AVE, COCOA BEACH, FL 32931-3910

Mortgage

Document Number	0097520521
Date	Mar 31, 2023
Book Page	9752/521
Instrument	2023063789

Lender

Name	LAUNCH CU
Type	Credit Union
Address	MERRITT ISLAND, FL 32952

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 15, 2043

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	320 HARDING AVE, COCOA BEACH, FL 32931-3910
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BREVARD TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0087101926
Date	Apr 6, 2020
Book Page	8710/1926
Instrument	2020077984

Lender

Name	LAUNCH FEDERAL CU
Type	Credit Union
Address	MERRITT ISLAND, FL 32952

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 320 Harding Ave was $3,740.

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

Property Jurisdictions

Type	Name
State	Florida
County	Brevard County
Unified School District	Brevard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$286,960 (+2.7%)	$744,020 (-5.8%)
2025	$3,740.00 Homeowner's exemption	$279,420	$789,810 Land $330,000 Building $459,810
2023	$3,423.00 (+24.79%) Homeowner's exemption	$263,650 (+21.86%)	$734,710 (+14.66%) Land $330,000 Building $404,710
2022	$2,743.00 Homeowner's exemption	$216,360	$640,800 Land $330,000 Building $310,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 320 Harding Ave in Zone AO, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AO high risk · sheet flow 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 83 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	500 units insured incl. 417 condo units
Nearby Flood Claims	14 (1981–2022)
Claims Outside the SFHA	6 of 14
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Frances, Sep 2004 · 4 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

The area around 320 Harding Ave 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 COCOA serves 294,039 people · EPA ID FL3050223
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	2 ppb (2022) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 158 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T.

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