3647 Mount Carmel Ln, Melbourne, FL 32901 Property Records

Brevard County property record for 3647 Mount Carmel Ln, Melbourne, FL 32901

Property Summary

Property Type	Single Family Home
Details	1,340 sqft · built 2004
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$307,500 (Sep 2023)
Tax Bill	$3,722 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-37-15-82-*-24`

Property Details

APN / Parcel Number

Primary APN	`28-37-15-82-*-24`
Alternative APNs	`28-37-15-82-00000.0-0024.00` `2861571`

Interior

Stories	1 Story
Building Area	1,340 sqft Living Area
Gross Area	1,977 sqft
1st Floor Area	1,340 sqft

Exterior

Year Built	Built 2004
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
Garage Type	Attached
Garage Area	437 sqft
Porch	Florida Room
Porch Area	200 sqft
Patio Area	20 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2861571
Street Address	3647 MOUNT CARMEL LN
City	MELBOURNE
State	FL
Zip	32901-6705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	EAGLE LAKE EAST PHASE 2 LOT 24
Legal Range	37E
Legal Township	28S
Legal Section	15
Legal Subdivision	EAGLE LAKE EAST PHASE 2
Legal Phase	2
Legal Lot Number	24
Jurisdiction	BREVARD FL
Township / Civil Division	MELBOURNE
Census Block Group	2
Census Block	2017
Census Tract	65127

Owner

3647 Mount Carmel Ln is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	3647 MOUNT CARMEL LN, MELBOURNE, FL 32901-6705
Occupancy	Owner Occupied
Owner Type	Individual

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	2 Names on Deed
Last Sale	Sep 7, 2023 · Amount on File
Deed Sale	Sep 7, 2023 · Amount on File
Prior Sale	Jul 27, 2006 · Amount on File
Deed Document Number	2023191500
Deed Book / Page	9881 / 2360
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Sep 7, 2023
Property Address	3647 MOUNT CARMEL LN, MELBOURNE, FL 32901-6705
Document Number	0098812360
Book / Page	9881 / 2360
Map Reference	MB 51 PG 44&45
Instrument Date	Sep 6, 2023
Instrument	2023191500
Transaction Type	Transfer
Record Updated	Sep 22, 2023
Title Company	SUPREME TITLE CLOSINGS LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,152.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 13530, SAN JUAN XX 908

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3647 MOUNT CARMEL LN, MELBOURNE, FL 32901-6705

Mortgage

Document Number	0098812362
Date	Sep 7, 2023
Instrument	9881/2362

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

Mortgage

Document Number	0098812385
Date	Sep 7, 2023
Book Page	9881/2385
Instrument	2023191502

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3647 Mount Carmel Ln was $3,722 with a homeowner's exemption.

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		$207,400 (-15.53%)	$207,400 (-15.53%)
2025	$3,722.00 Homeowner's exemption	$245,530 Land $60,000 Building $185,530	$245,530 Land $60,000 Building $185,530
2023	$3,349.00 (+15.2%)	$241,780 (+12.15%) Land $45,000 Building $196,780	$241,780 (+12.15%) Land $45,000 Building $196,780
2022	$2,907.00	$215,590 Land $40,000 Building $175,590	$215,590 Land $40,000 Building $175,590

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

Flood

FEMA maps place 3647 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 3647 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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