Brevard County property record for 3905 James Rd, Cocoa, FL 32926
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,041 sqft · built 2006 |
| Lot Size | 1.05 acres (45,738 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $280,000 (Oct 2018) |
| Tax Bill | $4,137 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Oct 2018 Sale & Mortgage + 2 more |
| Flood Zone | Zone A (high risk) |
| APN | 24-35-14-00-55 |
| Primary APN | 24-35-14-00-55 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,041 sqft Living Area |
| Gross Area | 4,059 sqft |
| 1st Floor Area | 1,998 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 45,738 sqft |
| Garage Type | Attached |
| Garage Area | 736 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 282 sqft |
| Patio Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2456212 |
|---|---|
| Street Address | 3905 JAMES RD |
| City | COCOA |
| State | FL |
| Zip | 32926-4513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR-1 |
| Legal Description | PART OF NE 1/4 OF NE 1/4 AS DESC IN ORB 4459 PG 3456 EXC ORB 5570 PG 7996 |
| Legal Range | 35E |
| Legal Township | 24S |
| Legal Section | 14 |
| Legal Block | 55 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | COCOA-ROCKLEDGE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 62115 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3905 JAMES RD, COCOA, FL 32926-4513 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC |
| Oct 2, 2018 | Grant Deed, Transfer · Conventional with PMI MORTGAGE FIRM |
| Feb 23, 2018 | Trustee's Deed, Foreclosure |
| Aug 31, 2011 | Loan Modification, Mortgage · Conventional with PMI OCWEN LN SERVICING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2018 · Amount on Record |
| Deed Sale | Oct 2, 2018 · Amount on Record |
| Prior Sale | Dec 11, 2017 · Amount on Record |
| Deed Document Number | 2018220875 |
| Deed Book / Page | 8276 / 306 |
| Prior Transfer Date | Aug 11, 2006 |
| Prior Transfer Doc | 0056874140 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 3905 JAMES RD, COCOA, FL 32926-4513 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3905 JAMES RD, COCOA, FL 32926-4513 |
| Document Number | 0088892990 |
|---|---|
| Date | Oct 19, 2020 |
| Book Page | 8889/2990 |
| Instrument | 2020229740 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Nov 1, 2045 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Oct 2, 2018 |
| Property Address | 3905 JAMES RD, COCOA, FL 32926-4513 |
| Document Number | 0082760306 |
| Book / Page | 008276 / 000306 |
| Instrument Date | Oct 1, 2018 |
| Instrument | 220875 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,960.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3905 JAMES RD COCOA FL 329264513, COCOA, FL 32926-4513 |
| Document Number | 82760308 |
|---|---|
| Date | Oct 2, 2018 |
| Book Page | 008276/000308 |
| Instrument | 220876 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2048 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Feb 23, 2018 |
| Property Address | 3905 JAMES RD, COCOA, FL 32926-4513 |
| Document Number | 0080980076 |
| Book / Page | 008098 / 000076 |
| Instrument Date | Jan 31, 2018 |
| Instrument | 40589 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 12, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 3905 JAMES RD, COCOA, FL 32926-4513 |
| Document Number | 0078241624 |
| Instrument Date | Aug 31, 2011 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2019 |
| Name | Verified Name |
|---|---|
| Address | 3905 JAMES RD COCOA FL 329264513, COCOA, FL 32926-4513 |
| Document Number | 0078241624 |
|---|---|
| Date | Feb 21, 2017 |
| Book Page | 007824/001624 |
| Instrument | 36204 |
| Name | OCWEN LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 408 Months |
| Due | Feb 20, 2051 |
Source: Brevard County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Brevard County |
| Unified School District | Brevard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $296,520 (+2.7%) | $470,670 (+0.26%) | |
| 2025 | $4,137.00 (+7.82%) Homeowner's exemption | $288,730 (+5.98%) | $469,440 (+1.78%) |
| 2024 | $3,837.00 (+1.32%) | ||
| 2023 | $3,787.00 (+6.53%) Homeowner's exemption | $272,430 (+3%) | $461,210 (+13.18%) Land $50,400 Building $410,810 |
| 2022 | $3,555.00 Homeowner's exemption | $264,500 | $407,490 Land $50,400 Building $357,090 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 100 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 100 in force |
| Nearby Flood Claims | 5 (2005–2025) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | May 2025 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 41% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF COCOA serves 294,039 people · EPA ID FL3050223 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | 2 ppb (2022) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 96 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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