400 Bluff Dr, Melbourne, FL 32901 Property Records

Brevard County property record for 400 Bluff Dr, Melbourne, FL 32901

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,128 sqft · built 1956
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,210 (2025)
Deeds & Mortgages	Aug 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`27-37-27-51-*-202`

Property Details

APN / Parcel Number

Primary APN	`27-37-27-51-*-202`
Alternative APNs	`27-37-27-51-00000.0-0202.00` `2728341`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,128 sqft Living Area
Gross Area	2,380 sqft
1st Floor Area	2,128 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1988
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	144 ft deep x 147 ft wide
Garage Type	Carport
Garage Area	252 sqft
Carport	Carport
Carport Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Gravity Furnace

Location & Zoning

Account Number	2728341
Street Address	400 BLUFF DR
City	MELBOURNE
State	FL
Zip	32901-1314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1AA
Legal Description	INDIAN RIVER BLUFF AMENDED PLAT NO 2 LOTS 202,203
Legal Range	37E
Legal Township	27S
Legal Section	27
Legal Subdivision	INDIAN RIVER BLUFF AMENDED PLAT NO 2
Legal Lot Number	202
Jurisdiction	BREVARD FL
Township / Civil Division	MELBOURNE
Census Block Group	2
Census Block	2028
Census Tract	64800

Owner

Source: Brevard County records · APN 27-37-27-51-*-202

Assessment roll updated August 18, 2026 · Last verified August 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	400 BLUFF DR, MELBOURNE, FL 32901-1314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Sep 24, 2003
Transfer Doc	0000403854
Record Updated	Sep 20, 2026

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BREVARD FL
Property Address	400 BLUFF DR, MELBOURNE, FL 32901-1314
Document Number	0088241614
Instrument Date	Aug 11, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	MOSLEY AND WALLIS TITLE SERVICES, MOSLEY & WALLIS TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	400 BLUFF DR MELBOURNE FL 329011314, MELBOURNE, FL 32901-1314

Mortgage

Document Number	0088241614
Date	Aug 13, 2020
Book Page	008824/001614
Instrument	174583

Lender

Name	NOBLE-IN-DEEDS LLC

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Interest

Rate	5%

Tax Assessment & Valuation

Source: Brevard County records · Assessment roll updated August 18, 2026 · Last verified August 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$106,190 (+2.7%)	$208,230 (-2.43%)
2025	$1,210.00 (+98.69%) Homeowner's exemption	$103,400 (+72.79%)	$213,420 (+21.6%) Land $112,000 Building $101,420
2023	$609.00 (+5.36%) Homeowner's exemption	$59,840 (+2.99%)	$175,510 (+9.81%) Land $98,000 Building $77,510
2022	$578.00 Homeowner's exemption	$58,100	$159,830 Land $84,000 Building $75,830

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	16 (1999–2017)
Claims Outside the SFHA	5 of 16
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Tropical Storm Fay, Sep 2008 · 2 claims Hurricane Frances, Sep 2004 · 8 claims

Wildfire

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 268 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF MELBOURNE serves 167,753 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.