385 Richards Rd, Melbourne Beach, FL 32951 Property Records

Brevard County property record for 385 Richards Rd, Melbourne Beach, FL 32951

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,288 sqft · built 1975
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$284,000 (Oct 2019)
Tax Bill	$3,596 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-38-20-GC-*-27`

Property Details

APN / Parcel Number

Primary APN	`28-38-20-GC-*-27`
Alternative APNs	`28-38-20-GC-00000.0-0027.00` `2849106`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,288 sqft Living Area
Gross Area	2,026 sqft
1st Floor Area	1,288 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2000
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	101 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	392 sqft

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	346 sqft
Deck Area	211 sqft
Patio Area	211 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2849106
Street Address	385 RICHARDS RD
City	MELBOURNE BEACH
State	FL
Zip	32951-3005
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU19
Legal Description	KIRKTON RICHARDS SUBD LOT 27
Legal Range	38E
Legal Township	28S
Legal Section	20
Legal Subdivision	KIRKTON RICHARDS SUBD
Legal Lot Number	27
Jurisdiction	BREVARD FL
Township / Civil Division	MELBOURNE SHORES-FLORIDANA BEACH
Census Block Group	1
Census Block	1009
Census Tract	66103

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	385 RICHARDS RD, MELBOURNE BEACH, FL 32951-3005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 17, 2019 · Amount on Record
Deed Sale	Oct 17, 2019 · Amount on Record
Deed Document Number	2019227308
Deed Book / Page	8565 / 1996
Prior Transfer Date	Jul 26, 2002
Prior Transfer Doc	4653001608
Record Updated	Sep 20, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Oct 17, 2019
Property Address	385 RICHARDS RD, MELBOURNE BEACH, FL 32951-3005
Document Number	0085651996
Book / Page	8565 / 1996
Map Reference	MB 12 PG 9
Instrument Date	Oct 15, 2019
Instrument	2019227308
Transaction Type	Transfer
Record Updated	Jul 2, 2021
Title Company	PRECISE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,988.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	190 SAND PINE RD, 190, INDIALANTIC, FL 32903-2321

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 RICHARDS RD, MELBOURNE BEACH, FL 32951-3005

Mortgage

Document Number	85651998
Date	Oct 17, 2019
Instrument	8565/1998

Lender

Name	ATLANTIC MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Brevard County
Unified School District	Brevard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$288,720 (+2.7%)	$390,490 (+4.62%)
2025	$3,596.00 (+7.89%) Homeowner's exemption	$281,130 (+5.98%)	$373,250 (-2.56%) Land $190,000 Building $183,250
2023	$3,333.00 (+7.48%) Homeowner's exemption	$265,260 (+3%)	$383,070 (+18.6%) Land $190,000 Building $193,070
2022	$3,101.00 Homeowner's exemption	$257,540	$322,980 Land $170,000 Building $152,980

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 106 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	133 units insured incl. 27 condo units
Nearby Flood Claims	34 (1984–2017)
Claims Outside the SFHA	30 of 34
Most Recent Claim	Oct 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Oct 2017 · 3 claims Hurricane Matthew, Oct 2016 · 5 claims Hurricane Frances, Sep 2004 · 9 claims

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

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 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL	100 / 20