3426 James St, Melbourne, FL 32901 Property Records

Brevard County property record for 3426 James St, Melbourne, FL 32901

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,014 sqft · built 1978
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Dec 2022)
Tax Bill	$1,111 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-37-11-52-8-8`

Property Details

APN / Parcel Number

Primary APN	`28-37-11-52-8-8`
Alternative APNs	`28-37-11-52-00008.0-0008.00` `2825657`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,014 sqft Living Area
Gross Area	1,320 sqft
1st Floor Area	1,014 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2002
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	139 ft deep x 62.6 ft wide
Garage Type	Attached
Garage Area	306 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2825657
Street Address	3426 JAMES ST
City	MELBOURNE
State	FL
Zip	32901-8019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2(6)
Legal Description	F C POWELLS SUBD LOT 8 BLK 8
Legal Range	37E
Legal Township	28S
Legal Section	11
Legal Subdivision	F C POWELLS SUBD
Legal Block	8
Legal Lot Number	8
Jurisdiction	BREVARD FL
Township / Civil Division	MELBOURNE
Census Block Group	2
Census Block	2002
Census Tract	65124

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3426 JAMES ST, MELBOURNE, FL 32901-8019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2023	Deed of Trust, Mortgage · FHA Mortgage DIRECT MORTGAGE LOANS LLC
Dec 28, 2022	Warranty Deed, Transfer · FHA Mortgage DIRECT MORTGAGE LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2022 · Amount on Record
Deed Sale	Dec 28, 2022 · Amount on Record
Deed Document Number	2022298693
Deed Book / Page	9686 / 1205
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	3426 JAMES ST, MELBOURNE, FL 32901-8019
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1399 GIRALDA CIR NW, PALM BAY, FL 32907-7965

Mortgage

Document Number	0096910314
Date	Jan 5, 2023
Book Page	9691/314
Instrument	2023002561

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Dec 28, 2022
Property Address	3426 JAMES ST, MELBOURNE, FL 32901-8019
Document Number	0096861205
Book / Page	9686 / 1205
Map Reference	MB 2 PG 72
Instrument Date	Dec 27, 2022
Instrument	2022298693
Transaction Type	Transfer
Record Updated	Jan 16, 2023
Title Company	SOUTHERN CAP TTL AGCY MELBOU

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	693 SEVEN GABLES CIR SE, PALM BAY, FL 32909-6569

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3426 JAMES ST, MELBOURNE, FL 32901-8019

Mortgage

Document Number	0096861207
Date	Dec 28, 2022
Instrument	9686/1207

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Mortgage

Document Number	0096861218
Date	Dec 28, 2022
Book Page	9686/1218
Instrument	2022298695

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$114,190 (-1.41%)	$114,190 (-11.52%)
2025	$1,111.00 (-35.82%) Homeowner's exemption Senior Citizen's exemption	$115,820 (-13.41%)	$129,060 (-3.51%) Land $15,000 Building $114,060
2023	$1,731.00 (+705.12%) Homeowner's exemption	$133,750 (+326.09%) Land $8,800 Building $124,950	$133,750 (+43.51%) Land $8,800 Building $124,950
2022	$215.00 Homeowner's exemption	$31,390	$93,200 Land $8,700 Building $84,500

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

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	9 (2004–2017)
Claims Outside the SFHA	8 of 9
Most Recent Claim	Oct 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Oct 2017 · 3 claims Tropical Storm Fay, Aug 2008 · 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

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 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

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 239 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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