Brevard County property record for 404 Dempsey Dr, Cocoa Beach, FL 32931
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,777 sqft · built 1957 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $335,000 (Jun 2012) |
| Tax Bill | $5,357 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit May 2024 Line of Credit + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 25-37-10-75-*-64 |
| Primary APN | 25-37-10-75-*-64 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,777 sqft Living Area |
| Gross Area | 3,364 sqft |
| 1st Floor Area | 2,777 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 100 ft deep x 100 ft wide |
| View / Lot | Canal Front |
| Garage Type | Attached |
| Garage Area | 532 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 676 sqft |
| Deck Area | 416 sqft |
| Patio Area | 228 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2517032 |
|---|---|
| Street Address | 404 DEMPSEY DR |
| City | COCOA BEACH |
| State | FL |
| Zip | 32931-2806 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS1 |
| Legal Description | CONVAIR COVE LOT 64 |
| Legal Range | 37E |
| Legal Township | 25S |
| Legal Section | 10 |
| Legal Subdivision | CONVAIR COVE |
| Legal Lot Number | 64 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | COCOA BEACH-CAPE CANAVERAL |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 71700 |
404 Dempsey Dr is owned and occupied by two individuals who acquired it in March 2021.
Source: Brevard County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 404 DEMPSEY DR, COCOA BEACH, FL 32931-2806 |
| 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.
| Date | Document |
|---|---|
| Apr 8, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK INC |
| May 3, 2024 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Sep 1, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Apr 1, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage FARMERS BANK & TRUST |
| Dec 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LOANFLIGHT LNDG LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 15, 2012 · Amount on File |
| Deed Sale | Jun 15, 2012 · Amount on File |
| Prior Sale | Nov 8, 1995 · Amount on File |
| Deed Document Number | 2012116133 |
| Deed Book / Page | 6622 / 2642 |
| Last Transfer Date | Mar 22, 2021 |
| Transfer Doc | 0090712287 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Apr 8, 2026 |
| Property Address | 404 DEMPSEY DR, COCOA BEACH, FL 32931-2806 |
| Document Number | 0105930266 |
| Book / Page | 10593 / 266 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 202670072 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 404 DEMPSEY DR, COCOA BEACH, FL 32931-2806 |
| Document Number | 0000070072, |
|---|---|
| Date | Apr 8, 2026 |
| Book Page | 10593/266 |
| Instrument | 202670072 |
| Name | CITIZENS BANK INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 6, 2051 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 404 DEMPSEY DR, COCOA BEACH, FL 32931-2806 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 404 DEMPSEY DR, COCOA BEACH, FL 32931-2806 |
| Document Number | 0100542812 |
|---|---|
| Date | May 3, 2024 |
| Book Page | 10054/2812 |
| Instrument | 2024091266 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Apr 26, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 404 DEMPSEY DR, COCOA BEACH, FL 32931-2806 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2022 |
| Title Company | TITLE365 OMAHA |
| Name | Verified Name |
|---|---|
| Address | 404 DEMPSEY DR, COCOA BEACH, FL 32931-2806 |
| Document Number | 0096020707 |
|---|---|
| Date | Sep 1, 2022 |
| Book Page | 9602/707 |
| Instrument | 2022215742 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Aug 22, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Apr 1, 2021 |
| Property Address | 404 DEMPSEY DR, COCOA BEACH, FL 32931-2806 |
| Document Number | 0090712287 |
| Book / Page | 9071 / 2287 |
| Map Reference | MB 12 PG 33 |
| Instrument Date | Mar 22, 2021 |
| Instrument | 2021082328 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2021 |
| Title Company | ALLIANCE TITLE INSURANCE AGENCY INC, ALLIANCE TITLE INS AGCY INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 404 DEMPSEY DR, COCOA BEACH, FL 32931-2806 |
| Document Number | 90712288 |
|---|---|
| Date | Apr 1, 2021 |
| Instrument | 9071/2288 |
| Name | FARMERS BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 404 DEMPSEY DR, COCOA BEACH, FL 32931-2806 |
| Document Number | 0086360422 |
| Instrument Date | Dec 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2020 |
| Title Company | TRANSTAR NATIONAL TITLE, TRANSTAR NAT'L TITLE |
| Name | Verified Name |
|---|---|
| Address | 404 DEMPSEY DR COCOA BEACH FL 329312806, COCOA BEACH, FL 32931-2806 |
| Document Number | 0086360422 |
|---|---|
| Date | Jan 13, 2020 |
| Book Page | 008636/000422 |
| Instrument | 8384 |
| Name | LOANFLIGHT LNDG LLC |
|---|---|
| Address | TAMPA, FL 33607 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 12, 2040 |
The 2025 property tax bill for 404 Dempsey Dr was $5,357 with a homeowner's exemption, up 24.6% 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 | $382,690 (+2.7%) | $721,360 (+1.04%) | |
| 2025 | $5,357.00 (+24.61%) Homeowner's exemption | $372,630 | $713,920 |
| 2024 | $4,299.00 (+2.07%) | ||
| 2023 | $4,212.00 (+7.78%) Homeowner's exemption | $293,700 (+3%) | $648,890 (+8.53%) Land $382,500 Building $266,390 |
| 2022 | $3,908.00 Homeowner's exemption | $285,150 | $597,870 Land $382,500 Building $215,370 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 404 Dempsey 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 93 individual policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 104 units insured incl. 11 condo units |
| Nearby Flood Claims | 2 (2017–2022) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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.
The area around 404 Dempsey Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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 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 221 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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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