3776 Mount Carmel Ln, Melbourne, FL 32901 Property Records

Brevard County property record for 3776 Mount Carmel Ln, Melbourne, FL 32901

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 2005
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$299,000 (Jul 2023)
Tax Bill	$116 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-37-15-82-*-196`

Property Details

APN / Parcel Number

Primary APN	`28-37-15-82-*-196`
Alternative APNs	`28-37-15-82-00000.0-0196.00` `2861655`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Living Area
Gross Area	1,977 sqft
1st Floor Area	1,344 sqft

Exterior

Year Built	Built 2005
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	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	2861655
Street Address	3776 MOUNT CARMEL LN
City	MELBOURNE
State	FL
Zip	32901-6706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	EAGLE LAKE EAST PHASE 2 LOT 196
Legal Range	37E
Legal Township	28S
Legal Section	15
Legal Subdivision	EAGLE LAKE EAST PHASE 2
Legal Phase	2
Legal Lot Number	196
Jurisdiction	BREVARD FL
Township / Civil Division	MELBOURNE
Census Block Group	2
Census Block	2018
Census Tract	65127

Owner

3776 Mount Carmel Ln is owned and occupied by two individuals who bought it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	3776 MOUNT CARMEL LN, MELBOURNE, FL 32901-6706
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

Date	Document
Jul 19, 2023	Deed of Trust, Mortgage · VA Mortgage DYBN FINANCIAL CORP
Jul 28, 2020	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2023 · Amount on File
Deed Sale	Jul 19, 2023 · Amount on File
Prior Sale	Sep 29, 2009 · Amount on File
Deed Document Number	2023151554
Deed Book / Page	9841 / 933
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	3776 MOUNT CARMEL LN, MELBOURNE, FL 32901-6706
Transaction Type	Mortgage
Record Updated	Aug 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1940 ADAMS AVE, MELBOURNE, FL 32935-4004

Mortgage

Document Number	0098410935
Date	Jul 19, 2023
Book Page	9841/935
Instrument	2023151555

Lender

Name	DYBN FINANCIAL CORP
Type	Funding / Finance Company
Address	MELBOURNE, FL 32935

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Jul 28, 2020
Property Address	3776 MOUNT CARMEL LN, MELBOURNE, FL 32901-6706
Document Number	0088071157
Book / Page	8807 / 1157
Map Reference	MB 51 PG 44
Instrument Date	Jul 23, 2020
Instrument	2020160423
Transaction Type	Transfer
Record Updated	Jul 2, 2021
Title Company	PRESTIGE TTL OF BREVARD LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,239.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3403 GOVAN AVE, 3403, MALABAR, FL 32950-3810

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3776 MOUNT CARMEL LN, MELBOURNE, FL 32901-6706

Mortgage

Document Number	88071158
Date	Jul 28, 2020
Instrument	8807/1158

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3776 Mount Carmel Ln was $116 with a veteran's exemption, down 96.9% 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		$212,740 (-15.54%)	$212,740 (-15.54%)
2025	$116.00 (-96.94%) Veteran's exemption	$251,870	$251,870
2024	$3,788.00 (+55.88%)
2023	$2,430.00 (+6.86%) Homeowner's exemption	$173,770 (+3%)	$246,620 (+12.16%) Land $49,500 Building $197,120
2022	$2,274.00 Homeowner's exemption	$168,710	$219,880 Land $44,000 Building $175,880

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

Flood

FEMA maps place 3776 Mount Carmel Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.

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
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 3776 Mount Carmel Ln is low, with less than 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 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 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.

Nearby Properties on Mount Carmel Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures