Brevard County property record for 403 Brightwaters Dr, Cocoa Beach, FL 32931
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,584 sqft · built 1966 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $163,000 (Sep 2022) |
| Tax Bill | $3,292 (2025) |
| Deeds & Mortgages | Sep 2026 Reverse Mortgage Sep 2026 Reverse Mortgage + 7 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 24-37-27-51-*-89 |
| Primary APN | 24-37-27-51-*-89 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,584 sqft Living Area |
| Gross Area | 3,068 sqft |
| 1st Floor Area | 2,584 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 110 ft deep x 80 ft wide |
| View / Lot | Canal Front |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Patio Area | 490 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2437223 |
|---|---|
| Street Address | 403 BRIGHTWATERS DR |
| City | COCOA BEACH |
| State | FL |
| Zip | 32931-3837 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS1 |
| Legal Description | VENETIAN WAY SEC 3 LOT 89 |
| Legal Range | 37E |
| Legal Township | 24S |
| Legal Section | 27 |
| Legal Subdivision | VENETIAN WAY SEC 3 |
| Legal Lot Number | 89 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | COCOA BEACH-CAPE CANAVERAL |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 68400 |
403 Brightwaters Dr is owned and occupied by two individuals who bought it in September 2022.
Source: Brevard County records, as of September 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 403 BRIGHTWATERS DR, COCOA BEACH, FL 32931-3837 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 2, 2026 | Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Sep 2, 2026 | Deed of Trust · Reverse Mortgage NONE LISTED ON DOCUMENT |
| Nov 30, 2022 | Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB |
| Dec 23, 2025 | Correction Deed · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE |
| Oct 5, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 20, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 26, 2023 | Quit Claim Deed, Transfer UNKNOWN, CARDINAL TITLE COMPANY LLC |
| Jun 6, 2019 | Deed of Trust, Mortgage · Reverse Mortgage SYNERGY ONE LENDING |
| May 22, 2019 | Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 20, 2022 · Amount on File |
| Deed Sale | Sep 20, 2022 · Amount on File |
| Deed Document Number | 2022230317 |
| Deed Book / Page | 9617 / 267 |
| Prior Transfer Date | Sep 16, 2022 |
| Prior Transfer Doc | 0097042332 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Sep 2, 2026 |
| Property Address | 403 BRIGHTWATERS DR, COCOA BEACH, FL 32931-3837 |
| Document Number | 0000182005 |
| Book / Page | 10718 / 2393 |
| Instrument Date | Aug 21, 2026 |
| Instrument | 2026182005 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 403 BRIGHTWATERS DR, COCOA BEACH, FL 32931-3837 |
| Document Number | 0000182005, |
|---|---|
| Date | Sep 2, 2026 |
| Book Page | 10718/2393 |
| Instrument | 2026182005 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 667 Months |
| Due | Apr 28, 2082 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Sep 2, 2026 |
| Property Address | 403 BRIGHTWATERS DR, COCOA BEACH, FL 32931-3837 |
| Document Number | 0000182006 |
| Book / Page | 10718 / 2408 |
| Instrument Date | Aug 21, 2026 |
| Instrument | 2026182006 |
| Record Updated | Sep 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 403 BRIGHTWATERS DR, COCOA BEACH, FL 32931-3837 |
| Document Number | 0000182006, |
|---|---|
| Date | Sep 2, 2026 |
| Book Page | 10718/2408 |
| Instrument | 2026182006 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 667 Months |
| Due | Apr 28, 2082 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 403 BRIGHTWATERS DR, COCOA BEACH, FL 32931-3837 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1421 WHITETAIL CT, HERMITAGE, TN 37076-4715 |
| Document Number | 0096662821 |
|---|---|
| Date | Nov 30, 2022 |
| Book Page | 9666/2821 |
| Instrument | 2022279394 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Dec 23, 2025 |
| Property Address | 403 BRIGHTWATERS DR, COCOA BEACH, FL 32931-3837 |
| Document Number | 0105101799 |
| Book / Page | 10510 / 1799 |
| Map Reference | MB 19 PG 107 |
| Instrument Date | Dec 18, 2025 |
| Instrument | 2025256300 |
| Record Updated | Jan 22, 2026 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 403 BRIGHTWATERS DR, COCOA BEACH, FL 32931-3837 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 403 BRIGHTWATERS DR, COCOA BEACH, FL 32931-3837 |
| Document Number | 0010517724 |
|---|---|
| Date | Dec 23, 2025 |
| Instrument | 10517/724 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 403 BRIGHTWATERS DR, COCOA BEACH, FL 32931-3837 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1421 WHITETAIL CT, HERMITAGE, TN 37076-4715 |
| Document Number | 0096272754 |
|---|---|
| Date | Oct 5, 2022 |
| Book Page | 9627/2754 |
| Instrument | 2022240744 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Sep 20, 2022 |
| Property Address | 403 BRIGHTWATERS DR, COCOA BEACH, FL 32931-3837 |
| Document Number | 0096170267 |
| Book / Page | 9617 / 267 |
| Map Reference | MB 19 PG 107 |
| Instrument Date | Sep 16, 2022 |
| Instrument | 2022230317 |
| Transaction Type | Transfer |
| Record Updated | Jan 8, 2026 |
| Title Company | UNKNOWN, CARDINAL TITLE COMPANY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 403 BRIGHTWATERS DR, COCOA BEACH, FL 32931-3837 |
| Name | Verified Name |
|---|---|
| Address | 403 BRIGHTWATERS DR, COCOA BEACH, FL 32931-3837 |
| Document Number | 0096272754 |
|---|---|
| Date | Sep 20, 2022 |
| Instrument | 9627/2754 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Jan 26, 2023 |
| Property Address | 403 BRIGHTWATERS DR, COCOA BEACH, FL 32931-3837 |
| Document Number | 0097042332 |
| Book / Page | 9704 / 2332 |
| Map Reference | MB 19 PG 107 |
| Instrument Date | Sep 16, 2022 |
| Instrument | 2023016745 |
| Transaction Type | Transfer |
| Record Updated | Jan 8, 2026 |
| Title Company | UNKNOWN, CARDINAL TITLE COMPANY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 403 BRIGHTWATERS DR, COCOA BEACH, FL 32931-3837 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 403 BRIGHTWATERS DR, COCOA BEACH, FL 32931-3837 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 403 BRIGHTWATERS DR, COCOA BEACH, FL 32931-3837 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0084571921 |
|---|---|
| Date | Jun 6, 2019 |
| Book Page | 8457/1921 |
| Instrument | 2019122625 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Lending Institution |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 754 Months |
| Due | Apr 28, 2082 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.38% |
| Type Change Date | Jun 1, 2020 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 403 BRIGHTWATERS DR, COCOA BEACH, FL 32931-3837 |
| Document Number | 0084571937 |
| Instrument Date | May 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 403 BRIGHTWATERS DR COCOA BEACH FL 329313837, COCOA BEACH, FL 32931-3837 |
| Document Number | 0084571937 |
|---|---|
| Date | Jun 6, 2019 |
| Book Page | 008457/001937 |
| Instrument | 122626 |
| Name | FEDERAL HSNG COMMISSIONER |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 756 Months |
| Due | Jun 5, 2082 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.38% |
The 2025 property tax bill for 403 Brightwaters Dr was $3,292, up 2.1% from the year before.
Source: Brevard County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Brevard County |
| Municipality | Cocoa Beach City |
| Unified School District | Brevard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $254,380 (+2.62%) | $744,540 (+8.34%) | |
| 2025 | $3,292.00 (+2.08%) Homeowner's exemption Widower's exemption | $247,880 | $687,210 |
| 2024 | $3,225.00 (+2.32%) | ||
| 2023 | $3,152.00 (+5.63%) Homeowner's exemption Widower's exemption | $233,890 (+3%) | $790,980 (+9.76%) Land $475,000 Building $315,980 |
| 2022 | $2,984.00 Homeowner's exemption Widower's exemption | $227,080 | $720,670 Land $475,000 Building $245,670 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 Brightwaters Dr in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Coastal | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 178 individual policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 318 units insured incl. 140 condo units |
| Nearby Flood Claims | 43 (1983–2024) |
| Claims Outside the SFHA | 22 of 43 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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.
Wildfire risk around 403 Brightwaters Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 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 169 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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