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3656 Mount Carmel Ln, Melbourne, FL 32901 Property Records

Brevard County property record for 3656 Mount Carmel Ln, Melbourne, FL 32901

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,706 sqft · built 2005
Lot Size0.14 acres (6,098 sqft)
OwnerIndividual Name on File
Last Sale$285,000 (Oct 2026)
Tax Bill$1,025 (2025)
Deeds & MortgagesOct 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN28-37-15-82-*-189

Property Details

APN / Parcel Number

Primary APN28-37-15-82-*-189
Alternative APNs
  • 28-37-15-82-00000.0-0189.00
  • 2861648

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,706 sqft Living Area
Gross Area2,301 sqft
1st Floor Area1,706 sqft

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2010
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area6,098 sqft (0.14 acres)
Lot Dimensions110 ft deep x 55 ft wide
View / LotLake Front
Garage TypeAttached
Garage Area393 sqft
PorchSlab
Porch Area202 sqft
Patio Area40 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number2861648
Street Address3656 MOUNT CARMEL LN
CityMELBOURNE
StateFL
Zip32901-6704
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionEAGLE LAKE EAST PHASE 2 LOT 189
Legal Range37E
Legal Township28S
Legal Section15
Legal SubdivisionEAGLE LAKE EAST PHASE 2
Legal Phase2
Legal Lot Number189
JurisdictionBREVARD FL
Township / Civil DivisionMELBOURNE
Census Block Group2
Census Block2018
Census Tract65127

Owner

3656 Mount Carmel Ln is owned and occupied by an individual who bought it in October 2026.

Source: Brevard County records, as of October 21, 2026

Owner of RecordIndividual Name on File
Mailing Address3656 MOUNT CARMEL LN, MELBOURNE, FL 32901-6704
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Man

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 NamesName on Deed
Last SaleOct 2, 2026 · Amount on File
Deed SaleOct 2, 2026 · Amount on File
Prior SaleMar 8, 2005 · Amount on File
Deed Document Number2026203313
Deed Book / Page10742 / 1104
Record UpdatedOct 29, 2026

October 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateOct 2, 2026
Property Address3656 MOUNT CARMEL LN, MELBOURNE, FL 32901-6704
Document Number0000203313
Book / Page10742 / 1104
Instrument DateOct 2, 2026
Instrument2026203313
Transaction TypeTransfer
Record UpdatedOct 20, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$201,495.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3656 MOUNT CARMEL LN, MELBOURNE, FL 32901-6704

Mortgage

Document Number0000203314,
DateOct 2, 2026
Book Page10742/1107
Instrument2026203314
Lender
NameUNITED WHOLESALE MORTGAGE
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueNov 1, 2056
Interest
Max Rate-1%

Tax Assessment & Valuation

The 2025 property tax bill for 3656 Mount Carmel Ln was $1,025.

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

Property Jurisdictions

TypeName
StateFlorida
CountyBrevard County
MunicipalityMelbourne City
Unified School DistrictBrevard County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$95,490 (+2.7%)$242,080 (-13.71%)
2025$1,025.00 Homeowner's exemption$92,980$280,530 Land $66,000 Building $214,530
2023$928.00 (+9.82%) Homeowner's exemption$87,730 (+2.99%)$275,480 (+12.58%) Land $49,500 Building $225,980
2022$845.00 Homeowner's exemption$85,180$244,690 Land $44,000 Building $200,690

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 3656 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 36 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies36 in force
Nearby Flood Claims2 (2008–2017)
Claims Outside the SFHA2 of 2
Most Recent ClaimSep 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 3656 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 RiskLow
lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemCITY OF MELBOURNE
serves 167,753 people · EPA ID FL3051447
Water SourceSurface water
Last State InspectionAug 2024
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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