Brevard County property record for 346 Carmel Dr, Melbourne, FL 32940
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,093 sqft · built 1994 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | Individual Name on File |
| Last Sale | $610,000 (Aug 2026) |
| Tax Bill | $4,453 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Jan 2022 Sale & Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-36-11-78-*-1 |
| Primary APN | 26-36-11-78-*-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,093 sqft Living Area |
| Gross Area | 3,109 sqft |
| 1st Floor Area | 2,093 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 498 sqft |
| Deck Area | 698 sqft |
| Utility Building | 98 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2615261 |
|---|---|
| Street Address | 346 CARMEL DR |
| City | MELBOURNE |
| State | FL |
| Zip | 32940-7785 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | WEST LAKE VILLAGE UNIT ONE LOT 1 |
| Legal Range | 36E |
| Legal Township | 26S |
| Legal Section | 11 |
| Legal Subdivision | WEST LAKE VILLAGE UNIT ONE |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| Legal Unit | 1 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | COCOA-ROCKLEDGE |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 63109 |
Source: Brevard County assessment roll, 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 File |
|---|---|
| Mailing Address | 346 CARMEL DR, MELBOURNE, FL 32940-7785 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| Aug 7, 2026 | Warranty Deed, Transfer · VA Mortgage KIND LENDING LLC |
| Jan 19, 2022 | Warranty Deed, Transfer · VA Mortgage HAMILTON HOME LOANS INC |
| Nov 27, 2018 | Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK |
| Jan 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Dec 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Oct 23, 2018 | Warranty Deed, Transfer · Conventional Mortgage ALKAN MORTGAGE CORP |
| Mar 21, 2017 | Warranty Deed, Transfer · Conventional Mortgage SEACOAST NATIONAL BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 7, 2026 · Amount on Record |
| Deed Sale | Aug 7, 2026 · Amount on Record |
| Prior Sale | Aug 5, 2024 · Amount on Record |
| Deed Document Number | 2026161923 |
| Deed Book / Page | 10697 / 530 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Aug 7, 2026 |
| Property Address | 346 CARMEL DR, MELBOURNE, FL 32940-7785 |
| Document Number | 0000161923 |
| Book / Page | 10697 / 530 |
| Instrument Date | Aug 3, 2026 |
| Instrument | 2026161923 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2026 |
| Title Company | DOCKSIDE TITLE LLC, DOCKSIDE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $431,270.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 346 CARMEL DR, MELBOURNE, FL 32940-7785 |
| Document Number | 0000161924, |
|---|---|
| Date | Aug 7, 2026 |
| Instrument | 2026161924 |
| Name | KIND LENDING LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Jan 19, 2022 |
| Property Address | 346 CARMEL DR, MELBOURNE, FL 32940-7785 |
| Document Number | 0093882218 |
| Book / Page | 9388 / 2218 |
| Map Reference | MB 38 PG 90 |
| Instrument Date | Jan 10, 2022 |
| Instrument | 2022013910 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2022 |
| Title Company | E-TITLE SERVICES LLC, E TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,570.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5687 TARNARAC DRIVE #77, 5687, MELBOURNE, FL 32940 |
| Name | Verified Name |
|---|---|
| Address | 346 CARMEL DR, MELBOURNE, FL 32940-7785 |
| Document Number | 0093882220 |
|---|---|
| Date | Jan 19, 2022 |
| Instrument | 9388/2220 |
| Name | HAMILTON HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 346 CARMEL DR, MELBOURNE, FL 32940-7785 |
| Transaction Type | Mortgage |
| Record Updated | Jul 2, 2021 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0083151108 |
|---|---|
| Date | Nov 27, 2018 |
| Book Page | 8315/1108 |
| Instrument | 2018262059 |
| Name | TCF NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 23, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 346 CARMEL DR, MELBOURNE, FL 32940-7785 |
| Transaction Type | Mortgage |
| Record Updated | Jul 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0086412513 |
|---|---|
| Date | Jan 21, 2020 |
| Book Page | 8641/2513 |
| Instrument | 2020014135 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 346 CARMEL DR, MELBOURNE, FL 32940-7785 |
| Transaction Type | Mortgage |
| Record Updated | Jul 2, 2021 |
| Name | Verified Name |
|---|---|
| Address | 346 CARMEL DR, MELBOURNE, FL 32940-7785 |
| Document Number | 0089501984 |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | 8950/1984 |
| Instrument | 2020279657 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 347 Months |
| Due | Nov 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Oct 23, 2018 |
| Property Address | 346 CARMEL DR, MELBOURNE, FL 32940-7785 |
| Document Number | 0082920296 |
| Book / Page | 8292 / 0296 |
| Map Reference | MB 38 PG 90 |
| Instrument Date | Oct 19, 2018 |
| Instrument | 2018237405 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2021 |
| Title Company | BELLA TITLE & ESCROW INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,520.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3359 VILLAGE PKWY, 3359, RICHLAND, WA 99354-8900 |
| Name | Verified Name |
|---|---|
| Address | 346 CARMEL DR, MELBOURNE, FL 32940-7785 |
| Document Number | 2018237406 |
|---|---|
| Date | Oct 23, 2018 |
| Instrument | 2018237406 |
| Name | ALKAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Mar 21, 2017 |
| Property Address | 346 CARMEL DR, MELBOURNE, FL 32940-7785 |
| Document Number | 0078452615 |
| Book / Page | 7845 / 2615 |
| Map Reference | MB38 PG90 |
| Instrument Date | Mar 15, 2017 |
| Instrument | 2017057813 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2021 |
| Title Company | BELLA TITLE & ESCROW INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 194 ANGEL TRUMPET WAY, 194, OVIEDO, FL 32765-4010 |
| Name | Verified Name |
|---|---|
| Address | 346 CARMEL DR # 3, 3, MELBOURNE, FL 32940-7785 |
| Document Number | 2017057814 |
|---|---|
| Date | Mar 21, 2017 |
| Instrument | 2017057814 |
| Name | SEACOAST NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2047 |
Source: Brevard County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Brevard County |
| Unified School District | Brevard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $347,950 (+2.7%) | $475,070 (-2.11%) | |
| 2025 | $4,453.00 (-32.12%) | $338,810 (-29.35%) | $485,290 (+1.2%) |
| 2024 | $6,560.00 (+0.81%) | ||
| 2023 | $6,507.00 (+69.1%) | $479,540 (+53.46%) Land $95,000 Building $384,540 | $479,540 (+9.12%) Land $95,000 Building $384,540 |
| 2022 | $3,848.00 Homeowner's exemption | $312,480 | $439,450 Land $95,000 Building $344,450 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 149 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 149 in force |
| Nearby Flood Claims | 2 (2008–2017) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 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 |
| 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 231 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 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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