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3897 Mount Carmel Ln, Melbourne, FL 32901 Property Records

Brevard County property record for 3897 Mount Carmel Ln, Melbourne, FL 32901

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,960 sqft · built 2005
Lot Size0.13 acres (5,663 sqft)
Owner2 Individual Names on Record
Last Sale$225,000 (Mar 2020)
Tax Bill$5,310 (2025)
Deeds & MortgagesOct 2025 Mortgage
Mar 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN28-37-15-82-*-49

Property Details

APN / Parcel Number

Primary APN28-37-15-82-*-49
Alternative APNs
  • 28-37-15-82-00000.0-0049.00
  • 2861596

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,960 sqft Living Area
Gross Area2,548 sqft
1st Floor Area1,960 sqft

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2010
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area5,663 sqft (0.13 acres)
Lot Dimensions115 ft deep x 50 ft wide
Garage TypeAttached
Garage Area405 sqft
PorchFlorida Room
Porch Area183 sqft
Patio Area23 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number2861596
Street Address3897 MOUNT CARMEL LN
CityMELBOURNE
StateFL
Zip32901-6713
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionEAGLE LAKE EAST PHASE 2 LOT 49
Legal Range37E
Legal Township28S
Legal Section15
Legal SubdivisionEAGLE LAKE EAST PHASE 2
Legal Phase2
Legal Lot Number49
JurisdictionBREVARD FL
Township / Civil DivisionMELBOURNE
Census Block Group2
Census Block2019
Census Tract65127

Owner

Source: Brevard County records, 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 Record2 Individual Names on Record
Mailing Address3897 MOUNT CARMEL LN, MELBOURNE, FL 32901-6713
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 14, 2025Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Mar 19, 2020Warranty Deed, Transfer · FHA Mortgage
CHRISTENSEN FINANCIAL INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 19, 2020 · Amount on Record
Deed SaleMar 19, 2020 · Amount on Record
Prior SaleDec 2, 2005 · Amount on Record
Deed Document Number202065495
Deed Book / Page8696 / 21
Record UpdatedSep 20, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBREVARD FL
Property Address3897 MOUNT CARMEL LN, MELBOURNE, FL 32901-6713
Transaction TypeMortgage
Record UpdatedOct 30, 2025
Title CompanyMORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

NameVerified Name
Address3897 MOUNT CARMEL LN, MELBOURNE, FL 32901-6713

Mortgage

Document Number0104532866
DateOct 14, 2025
Book Page10453/2866
Instrument2025205608
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term294 Months
DueApr 1, 2050

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateMar 19, 2020
Property Address3897 MOUNT CARMEL LN, MELBOURNE, FL 32901-6713
Document Number0086960021
Book / Page8696 / 21
Map ReferenceMB 51 P 44&45
Instrument DateMar 6, 2020
Instrument2020065495
Transaction TypeTransfer
Record UpdatedJul 2, 2021
Title CompanyFOUNDATION TTL & SETMNT SVCS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,575.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1053 CITRUS AVE NE, 1053, PALM BAY, FL 32905-4849

Transferred To (Grantee/Buyer)

NameVerified Name
Address3997 MOUNT CARMEL LN, MELBOURNE, FL 32901-8678

Mortgage

Document Number86960022
DateMar 19, 2020
Instrument8696/0022
Lender
NameCHRISTENSEN FINANCIAL INC
TypeFunding / Finance Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2050

Tax Assessment & Valuation

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$262,610 (-12.31%)$262,610 (-12.31%)
2025$5,310.00 (+13.95%)$299,470 (+1.14%) Land $60,000 Building $239,470$299,470 (+1.14%) Land $60,000 Building $239,470
2023$4,660.00 (+14.13%)$296,090 (+12.89%) Land $45,000 Building $251,090$296,090 (+12.89%) Land $45,000 Building $251,090
2022$4,083.00$262,290 Land $40,000 Building $222,290$262,290 Land $40,000 Building $222,290

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% 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 431 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000

May also be available: T-Mobile, Verizon.

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