3514 Tree Ridge Ln NE, Palm Bay, FL 32905 Property Records

Brevard County property record for 3514 Tree Ridge Ln NE, Palm Bay, FL 32905

Property Summary

Property Type	Townhouse
Details	3 bd · 2 ba · 1,170 sqft · built 1980
Lot Size	0.02 acres (871 sqft)
Owner	Company Name on Record
Last Sale	$104,500 (Aug 2022)
Tax Bill	$1,985 (2025)
Deeds & Mortgages	Aug 2022 Sale Apr 2019 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`28-37-28-01-B-13.04`

Property Details

APN / Parcel Number

Primary APN	`28-37-28-01-B-13.04`
Alternative APNs	`28-37-28-01-0000B.0-0013.04` `2836700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,170 sqft Living Area
Gross Area	1,256 sqft
1st Floor Area	558 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2002
Architectural Style	Townhouse
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	871 sqft (0.02 acres)
Lot Dimensions	100 ft deep x 7.5 ft wide
Porch	Finished/Open Porch
Porch Area	86 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2836700
Street Address	3514 TREE RIDGE LN NE
City	PALM BAY
State	FL
Zip	32905-4609
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RM15
Legal Description	PINEHURST PART OF LOT 13 BLK B AS DES IN ORB 2287 PG 624 AKA LOT 104 OF PINEWOOD XIII TOWNHOMES
Legal Range	37E
Legal Township	28S
Legal Section	28
Legal Subdivision	PINEHURST
Legal Block	B
Legal Lot Number	13
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	1
Census Block	1000
Census Tract	65130

Owner

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	Company Name on Record
Mailing Address	1691 LAS PALMOS DR SW, PALM BAY, FL 32908-1124
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2022	Warranty Deed, Transfer PENINSULA TITLE SERVICES, PENINSULA TITLE SERVICES LLC
Apr 23, 2019	Correction Deed PENINSULA TITLE SERVICES, PENINSULA TITLE SVCS
Mar 29, 2019	Deed of Trust, Mortgage EMBRACE HM LOANS
Apr 2, 2019	Warranty Deed, Transfer · Conventional with PMI EMBRACE HM LOANS
Mar 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2022 · Amount on Record
Deed Sale	Aug 18, 2022 · Amount on Record
Prior Sale	Apr 2, 2019 · Amount on Record
Deed Document Number	2022204457
Deed Book / Page	9590 / 1302
Prior Transfer Date	Apr 17, 2019
Prior Transfer Doc	0084200084
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Aug 18, 2022
Property Address	3514 TREE RIDGE LN NE, PALM BAY, FL 32905-4609
Document Number	0095901302
Book / Page	9590 / 1302
Map Reference	MB 2280 PG 2066
Instrument Date	Aug 15, 2022
Instrument	2022204457
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	PENINSULA TITLE SERVICES, PENINSULA TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$731.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3514 TREE RIDGE LN NE, 3514, PALM BAY, FL 32905-4609

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1691 LAS PALMOS DR SW, PALM BAY, FL 32908-1124

April 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	BREVARD FL
Recording Date	Apr 23, 2019
Property Address	3514 TREE RIDGE LN NE, PALM BAY, FL 32905-4609
Document Number	0084200084
Book / Page	008420 / 000084
Instrument Date	Apr 17, 2019
Instrument	83843
Record Updated	May 30, 2019
Title Company	PENINSULA TITLE SERVICES, PENINSULA TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	982 NYACK ST NW PALM BAY FL 329077713, PALM BAY, FL 32907-7713

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	3514 TREE RIDGE LN NE, PALM BAY, FL 32905-4609
Document Number	0084200086
Instrument Date	Mar 29, 2019
Transaction Type	Mortgage
Record Updated	Jun 27, 2019
Title Company	PENINSULA TITLE SERVICES, PENINSULA TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	982 NYACK ST NW PALM BAY FL 329077713, PALM BAY, FL 32907-7713

Mortgage

Document Number	0084200086
Date	Apr 23, 2019
Book Page	008420/000086
Instrument	83844

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 22, 2049

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Apr 2, 2019
Property Address	3514 TREE RIDGE LN NE, PALM BAY, FL 32905-4609
Document Number	0084031252
Book / Page	008403 / 001252
Instrument Date	Mar 29, 2019
Instrument	66258
Transaction Type	Transfer
Record Updated	May 28, 2019
Title Company	PENINSULA TITLE SERVICES, PENINSULA TITLE SVCS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$559.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3514 TREE RIDGE LN NE PALM BAY FL 329054609, PALM BAY, FL 32905-4609

Mortgage

Document Number	84031254
Date	Apr 2, 2019
Book Page	008403/001254
Instrument	66259

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

Mortgage

Document Number	84031274,
Date	Apr 2, 2019
Book Page	008403/001274
Instrument	66260

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	3514 TREE RIDGE LN NE, PALM BAY, FL 32905-4609
Document Number	0084200106
Instrument Date	Mar 29, 2019
Transaction Type	Mortgage
Record Updated	Jun 5, 2019
Title Company	PENINSULA TITLE SERVICES, PENINSULA TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3514 TREE RIDGE LN NE PALM BAY FL 329054609, PALM BAY, FL 32905-4609

Mortgage

Document Number	0084200106
Date	Apr 23, 2019
Book Page	008420/000106
Instrument	83845

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 22, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$97,630 (-6.57%)	$97,630 (-6.57%)
2025	$1,985.00 (-2.89%)	$104,500 (-3.42%)	$104,500 (-3.42%)
2024	$2,044.00 (-2.29%)
2023	$2,092.00 (+49.75%)	$108,200 (+54.09%) Land $18,000 Building $90,200	$108,200 (+54.09%) Land $18,000 Building $90,200
2022	$1,397.00	$70,220 Land $18,000 Building $52,220	$70,220 Land $18,000 Building $52,220

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

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 25 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	25 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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF PALM BAY serves 140,750 people · EPA ID FL3050442
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2023
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 322 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile, Wire 3.

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