4010 Monterey St, Cocoa, FL 32927 Property Records

Brevard County property record for 4010 Monterey St, Cocoa, FL 32927

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,180 sqft · built 1985
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$249,900 (Mar 2023)
Tax Bill	$2,670 (2025)
Deeds & Mortgages	Mar 2023 Second Mortgage Mar 2023 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`23-35-24-25-24-15`

Property Details

APN / Parcel Number

Primary APN	`23-35-24-25-24-15`
Alternative APNs	`23-35-24-25-00024.0-0015.00` `2311110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,180 sqft Living Area
Gross Area	1,513 sqft
1st Floor Area	1,180 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2006
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	144 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	240 sqft
Porch	Finished/Open Porch
Porch Area	93 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2311110
Street Address	4010 MONTEREY ST
City	COCOA
State	FL
Zip	32927-8458
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU19
Legal Description	PORT ST JOHN UNIT 2 LOT 15 BLK 24
Legal Range	35E
Legal Township	23S
Legal Section	24
Legal Subdivision	PORT ST JOHN UNIT 2
Legal Block	24
Legal Lot Number	15
Legal Unit	2
Jurisdiction	BREVARD FL
Township / Civil Division	COCOA-ROCKLEDGE
Census Block Group	2
Census Block	2000
Census Tract	62109

Owner

4010 Monterey St is owned and occupied by an individual who bought it in March 2023.

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

Owner of Record	Individual Name on File
Mailing Address	4010 MONTEREY ST, COCOA, FL 32927-8458
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
Mar 8, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE MORTGAGE FIRM INC
Mar 8, 2023	Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2023 · Amount on File
Deed Sale	Mar 8, 2023 · Amount on File
Prior Sale	Oct 10, 2016 · Amount on File
Deed Document Number	202346307
Deed Book / Page	9734 / 1539
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	4010 MONTEREY ST, COCOA, FL 32927-8458
Transaction Type	Mortgage
Record Updated	Jan 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4010 MONTEREY ST, COCOA, FL 32927-8458

Mortgage

Document Number	0097341551
Date	Mar 8, 2023
Book Page	9734/1551
Instrument	2023046309

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 14, 2053

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Mar 8, 2023
Property Address	4010 MONTEREY ST, COCOA, FL 32927-8458
Document Number	0097341539
Book / Page	9734 / 1539
Map Reference	MB 14 PG 48-51
Instrument Date	Mar 6, 2023
Instrument	2023046307
Transaction Type	Transfer
Record Updated	Mar 22, 2023
Title Company	PRESTIGE TTL OF BREVARD LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,749.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	95 CHAPEL LN, TITUSVILLE, FL 32796-2212

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4010 MONTEREY ST, COCOA, FL 32927-8458

Mortgage

Document Number	0097341540
Date	Mar 8, 2023
Book Page	9734/1540
Instrument	2023046308

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 4010 Monterey St was $2,670 with a homeowner's exemption.

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		$199,890 (+1.6%)	$199,890 (+1.6%)
2025	$2,670.00 Homeowner's exemption	$196,740 Land $52,000 Building $144,740	$196,740 Land $52,000 Building $144,740
2023	$1,804.00 (+7.19%) Homeowner's exemption	$135,040 (+3%)	$199,850 (+5%) Land $52,000 Building $147,850
2022	$1,683.00 Homeowner's exemption	$131,110	$190,340 Land $46,000 Building $144,340

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

Flood

FEMA maps place 4010 Monterey St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

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 File median of 24 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	5 (1995–2017)
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Frances, Sep 2004 · 2 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

Wildfire risk around 4010 Monterey St is high, ranking above 75% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 75% of the US · above 61% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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

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 137 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 / 35

May also be available: Verizon.

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