Brevard County property record for 402 Surf Rd, Melbourne Beach, FL 32951
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,706 sqft · built 1972 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $357,000 (Mar 2020) |
| Tax Bill | $6,077 (2025) |
| Deeds & Mortgages | Jan 2022 Line of Credit Mar 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-38-07-FZ-38-5 |
| Primary APN | 28-38-07-FZ-38-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,706 sqft Living Area |
| Gross Area | 2,286 sqft |
| 1st Floor Area | 1,706 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 125 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 80 sqft |
| Patio Area | 442 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2847542 |
|---|---|
| Street Address | 402 SURF RD |
| City | MELBOURNE BEACH |
| State | FL |
| Zip | 32951-2652 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 2RS |
| Legal Description | ROMAC SUBD E 60 FT OF LOT 5 & W 30 FT OF LOT 6 BLK 38 |
| Legal Range | 38E |
| Legal Township | 28S |
| Legal Section | 07 |
| Legal Subdivision | ROMAC SUBD |
| Legal Block | 38 |
| Legal Lot Number | 5 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | INDIALANTIC-MELBOURNE BEACH |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 66101 |
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 | 402 SURF RD, MELBOURNE BEACH, FL 32951-2652 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 5, 2022 | Deed of Trust, Mortgage · Line of Credit NORTHPOINTE BANK |
| Mar 13, 2020 | Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 13, 2020 · Amount on Record |
| Deed Sale | Mar 13, 2020 · Amount on Record |
| Prior Sale | Feb 11, 2014 · Amount on Record |
| Deed Document Number | 202061330 |
| Deed Book / Page | 8691 / 1483 |
| Prior Transfer Date | Mar 23, 2006 |
| Prior Transfer Doc | 0056870598 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 402 SURF RD, MELBOURNE BEACH, FL 32951-2652 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 402 SAYRE RD SW, MELBOURNE, FL 32908-8135 |
| Document Number | 0093750832 |
|---|---|
| Date | Jan 5, 2022 |
| Book Page | 9375/832 |
| Instrument | 2022002017 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 21, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Mar 13, 2020 |
| Property Address | 402 SURF RD, MELBOURNE BEACH, FL 32951-2652 |
| Document Number | 0086911483 |
| Book / Page | 8691 / 1483 |
| Map Reference | MB 10 PG 53 |
| Instrument Date | Mar 13, 2020 |
| Instrument | 2020061330 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2022 |
| Title Company | HERITAGE TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,499.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 140 OCEAN RIDGE DR, 140, MELBOURNE BEACH, FL 32951-3477 |
| Name | Verified Name |
|---|---|
| Address | 402 SURF RD, MELBOURNE BEACH, FL 32951-2652 |
| Document Number | 0086911485 |
|---|---|
| Date | Mar 13, 2020 |
| Instrument | 8691/1485 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
Source: Brevard County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Brevard County |
| Municipality | Melbourne Beach Town |
| Unified School District | Brevard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $448,120 (+2.7%) | $562,790 (+1.41%) | |
| 2025 | $6,077.00 (+26.45%) Homeowner's exemption | $436,340 (+28.01%) | $554,940 (+4.59%) |
| 2024 | $4,806.00 (+2.41%) | ||
| 2023 | $4,693.00 (+1.91%) Homeowner's exemption | $340,870 (+3%) | $530,600 (+16.62%) Land $309,750 Building $220,850 |
| 2022 | $4,605.00 Homeowner's exemption | $330,950 | $455,000 Land $288,750 Building $166,250 |
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 X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 140 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 140 in force |
| Nearby Flood Claims | 57 (1979–2022) |
| Claims Outside the SFHA | 32 of 57 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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 | Not rated no burnable land within ember reach |
|---|
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 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 |
| 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 255 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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