Brevard County property record for 3245 Cedar Bay Dr, Melbourne, FL 32934
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,874 sqft · built 1997 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $389,900 (May 2023) |
| Tax Bill | $4,711 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Jan 2020 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-36-01-04-*-91 |
| Primary APN | 27-36-01-04-*-91 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,874 sqft Living Area |
| Gross Area | 2,528 sqft |
| 1st Floor Area | 1,874 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 110 ft deep x 52 ft wide |
| Garage Type | Attached |
| Garage Area | 418 sqft |
| Porch | Florida Room |
| Porch Area | 236 sqft |
| Patio Area | 16 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2735523 |
|---|---|
| Street Address | 3245 CEDAR BAY DR |
| City | MELBOURNE |
| State | FL |
| Zip | 32934-2911 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | BAYMEADOWS OF MELBOURNE PHASE ONE LOT 91 |
| Legal Range | 36E |
| Legal Township | 27S |
| Legal Section | 01 |
| Legal Subdivision | BAYMEADOWS OF MELBOURNE PHASE ONE |
| Legal Phase | 1 |
| Legal Lot Number | 91 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | MELBOURNE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 64102 |
3245 Cedar Bay Dr is owned and occupied by two individuals who bought it in May 2023.
Source: Brevard County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3245 CEDAR BAY DR, MELBOURNE, FL 32934-2911 |
| 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 |
|---|---|
| May 15, 2023 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Jan 27, 2020 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jul 25, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Dec 8, 2017 | Deed of Trust, Mortgage · VA Mortgage ON Q FIN'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 15, 2023 · Amount on File |
| Deed Sale | May 15, 2023 · Amount on File |
| Prior Sale | Dec 5, 2016 |
| Deed Document Number | 202398561 |
| Deed Book / Page | 9787 / 2653 |
| Prior Transfer Date | Jul 23, 2018 |
| Prior Transfer Doc | 0082210941 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | May 15, 2023 |
| Property Address | 3245 CEDAR BAY DR, MELBOURNE, FL 32934-2911 |
| Document Number | 0097872653 |
| Book / Page | 9787 / 2653 |
| Map Reference | MB 42 PG 32&33 |
| Instrument Date | May 11, 2023 |
| Instrument | 2023098561 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,729.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8572 CROOKED BRANCH LN, COLORADO SPRINGS, CO 80927-4151 |
| Name | Verified Name |
|---|---|
| Address | 3245 CEDAR BAY DR, MELBOURNE, FL 32934-2911 |
| Document Number | 0097872662 |
|---|---|
| Date | May 15, 2023 |
| Instrument | 9787/2662 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 3245 CEDAR BAY DR, MELBOURNE, FL 32934-2911 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0086481651 |
|---|---|
| Date | Jan 27, 2020 |
| Book Page | 8648/1651 |
| Instrument | 2020020880 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Jul 25, 2018 |
| Property Address | 3245 CEDAR BAY DR, MELBOURNE, FL 32934-2911 |
| Document Number | 0082210941 |
| Book / Page | 008221 / 000941 |
| Instrument Date | Jul 23, 2018 |
| Instrument | 166235 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3245 CEDAR BAY DR MELBOURNE FL 329342911, MELBOURNE, FL 32934-2911 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 3245 CEDAR BAY DR, MELBOURNE, FL 32934-2911 |
| Document Number | 0080491459 |
| Book / Page | 008049 / 001459 |
| Instrument Date | Dec 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2018 |
| Title Company | ALLIANCE TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 3245 CEDAR BAY DR MELBOURNE FL 329342911, MELBOURNE, FL 32934-2911 |
| Document Number | 0080491459 |
|---|---|
| Date | Dec 15, 2017 |
| Book Page | 008049/001459 |
| Instrument | 261068 |
| Name | ON Q FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | SCOTTSDALE, AZ 85251 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 14, 2047 |
The 2025 property tax bill for 3245 Cedar Bay Dr was $4,711 with a homeowner's exemption, down 1.4% from the year before.
Source: Brevard County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Brevard County |
| Municipality | Melbourne City |
| Unified School District | Brevard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $309,630 (+2.7%) | $312,040 (+3.5%) | |
| 2025 | $4,711.00 (-1.42%) Homeowner's exemption | $301,490 | $301,490 |
| 2024 | $4,779.00 (+4,244.55%) | ||
| 2023 | $110.00 (+3.77%) Disabled Person's exemption Veteran's exemption | $207,310 (+3%) | $323,480 (+12.53%) Land $85,000 Building $238,480 |
| 2022 | $106.00 Disabled Person's exemption Veteran's exemption | $201,280 | $287,460 Land $80,000 Building $207,460 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3245 Cedar Bay Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 229 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 229 in force |
| Nearby Flood Claims | 38 (1992–2022) |
| Claims Outside the SFHA | 28 of 38 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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.
Wildfire risk around 3245 Cedar Bay Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 437 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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