3494 Spencer Ln, Melbourne, FL 32940 Property Records

Brevard County property record for 3494 Spencer Ln, Melbourne, FL 32940

Property Summary

Property Type	Townhouse
Details	3 bd · 2 ba · 1,691 sqft · built 2014
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$440,000 (Sep 2023)
Tax Bill	$4,078 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-36-32-75-B-4`

Property Details

APN / Parcel Number

Primary APN	`25-36-32-75-B-4`
Alternative APNs	`25-36-32-75-0000B.0-0004.00` `2537893`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,691 sqft Living Area
Gross Area	2,230 sqft
1st Floor Area	1,691 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2018
Architectural Style	Townhouse
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,227 sqft (0.12 acres)
Lot Width	40 ft Width
Garage Type	Attached
Garage Area	417 sqft
Porch	Finished/Open Porch
Porch Area	122 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2537893
Street Address	3494 SPENCER LN
City	MELBOURNE
State	FL
Zip	32940-8050
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	STONERIDGE SUBDIVISION LOT 4 BLK B
Legal Range	36E
Legal Township	25S
Legal Section	32
Legal Subdivision	STONERIDGE SUBDIVISION
Legal Block	B
Legal Lot Number	4
Jurisdiction	BREVARD FL
Township / Civil Division	COCOA-ROCKLEDGE
Census Block Group	1
Census Block	1001
Census Tract	71201

Owner

3494 Spencer Ln, a townhouse, is owned and occupied by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	3494 SPENCER LN, MELBOURNE, FL 32940-8050
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2023 · Amount on File
Deed Sale	Sep 27, 2023 · Amount on File
Prior Sale	Feb 13, 2014 · Amount on File
Deed Document Number	2023205510
Deed Book / Page	9896 / 65
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Sep 27, 2023
Property Address	3494 SPENCER LN, MELBOURNE, FL 32940-8050
Document Number	0098960065
Book / Page	9896 / 65
Map Reference	MB 55 PG 74-77
Instrument Date	Sep 26, 2023
Instrument	2023205510
Transaction Type	Transfer
Record Updated	Oct 13, 2023
Title Company	STATE TITLE PARTNERS LLP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18233 FRENCH CREEK AVE, PARKER, CO 80134-6763

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3494 SPENCER LN, MELBOURNE, FL 32940-8050

Mortgage

Document Number	0000989666
Date	Sep 27, 2023
Instrument	9896/66

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 3494 Spencer Ln was $4,078 with exemptions applied, down 0.7% from the year before.

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		$313,980 (-2.37%)	$313,980 (-2.37%)
2025	$4,078.00 (-0.73%) Homeowner's exemption Widower's exemption	$321,610	$321,610
2024	$4,108.00 (+81.21%)
2023	$2,267.00 (+7.29%) Homeowner's exemption	$174,870 (+3%)	$316,910 (+9.71%) Land $100,000 Building $216,910
2022	$2,113.00 Homeowner's exemption	$169,780	$288,850 Land $90,000 Building $198,850

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 3494 Spencer Ln in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 133 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	2 (2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 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

Wildfire risk around 3494 Spencer Ln is low, with a 0.03% annual chance of wildfire.

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	0.03% annual chance
Exposure	Direct burnable vegetation

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 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20