3496 Mount Carmel Ln, Melbourne, FL 32901 Property Records

Brevard County property record for 3496 Mount Carmel Ln, Melbourne, FL 32901

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,661 sqft · built 2003
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (May 2017)
Tax Bill	$2,772 (2025)
Deeds & Mortgages	Feb 2019 Sale Sep 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-37-15-81-*-157`

Property Details

APN / Parcel Number

Primary APN	`28-37-15-81-*-157`
Alternative APNs	`28-37-15-81-00000.0-0157.00` `2859746`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,661 sqft Living Area
Gross Area	2,242 sqft
1st Floor Area	1,661 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2010
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 50 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	393 sqft
Porch	Florida Room
Porch Area	188 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2859746
Street Address	3496 MOUNT CARMEL LN
City	MELBOURNE
State	FL
Zip	32901-8691
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	EAGLE LAKE EAST PHASE 1 LOT 157
Legal Range	37E
Legal Township	28S
Legal Section	15
Legal Subdivision	EAGLE LAKE EAST PHASE 1
Legal Phase	1
Legal Lot Number	157
Jurisdiction	BREVARD FL
Township / Civil Division	MELBOURNE
Census Block Group	2
Census Block	2016
Census Tract	65127

Owner

3496 Mount Carmel Ln is owned and occupied by an individual who acquired it in January 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	3496 MOUNT CARMEL LN, MELBOURNE, FL 32901-8691
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 20, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
May 19, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2017 · Amount on File
Deed Sale	May 19, 2017 · Amount on File
Prior Sale	Jun 10, 2016 · Amount on File
Deed Document Number	2017105798
Last Transfer Date	Jan 17, 2019
Transfer Doc	0083602921
Record Updated	Sep 20, 2026

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BREVARD FL
Recording Date	Feb 4, 2019
Property Address	3496 MOUNT CARMEL LN, MELBOURNE, FL 32901-8691
Document Number	0083602921
Book / Page	008360 / 002921
Instrument Date	Jan 17, 2019
Instrument	22929
Transaction Type	Transfer
Record Updated	Feb 20, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3496 MOUNT CARMEL LN MELBOURNE FL 329018691, MELBOURNE, FL 32901-8691

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	3496 MOUNT CARMEL LN, MELBOURNE, FL 32901-8691
Document Number	0079922369
Instrument Date	Sep 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3496 MOUNT CARMEL LN MELBOURNE FL 329018691, MELBOURNE, FL 32901-8691

Mortgage

Document Number	0079922369
Date	Oct 2, 2017
Book Page	007992/002369
Instrument	201962

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	May 19, 2017
Property Address	3496 MOUNT CARMEL LN, MELBOURNE, FL 32901-8691
Document Number	0078940039
Book / Page	007894 / 000039
Instrument Date	May 19, 2017
Instrument	105798
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	TITLE STATION INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3496 MOUNT CARMEL LN MELBOURNE FL 329018691, MELBOURNE, FL 32901-8691

Mortgage

Document Number	78940040
Date	May 19, 2017
Book Page	007894/000040
Instrument	105799

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 18, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 3496 Mount Carmel Ln was $2,772 with a homeowner's exemption, up 5.7% from the year before.

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		$196,970 (+2.7%)	$237,420 (-13.98%)
2025	$2,772.00 (+5.72%) Homeowner's exemption	$191,800	$275,990
2024	$2,622.00 (+2.58%)
2023	$2,556.00 (+6.77%) Homeowner's exemption	$180,980 (+3%)	$270,940 (+12.37%) Land $49,500 Building $221,440
2022	$2,394.00 Homeowner's exemption	$175,710	$241,110 Land $44,000 Building $197,110

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3496 Mount Carmel Ln 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 36 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	36 in force
Nearby Flood Claims	2 (2008–2017)
Claims Outside the SFHA	2 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.

Wildfire

Wildfire risk around 3496 Mount Carmel Ln is low, with 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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	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.

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 377 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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