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404 Ocean Ave, Melbourne Beach, FL 32951 Property Records

Brevard County property record for 404 Ocean Ave, Melbourne Beach, FL 32951

Property Summary

Property TypeSingle Family Home
Details3,418 sqft · built 2019
Lot Size0.17 acres (7,405 sqft)
Owner2 Individual Names on File
Last Sale$450,000 (Jun 2018)
Tax Bill$9,441 (2025)
Deeds & MortgagesOct 2021 Transfer
Dec 2019 Sale & Mortgage
+ 5 more
Flood ZoneZone X (minimal risk)
APN28-38-07-FW-I-23

Property Details

APN / Parcel Number

Primary APN28-38-07-FW-I-23
Alternative APNs
  • 28-38-07-FW-0000I.0-0023.00
  • 2847396

Interior

Total Rooms1 Room
Stories2 Stories
Building Area3,418 sqft Living Area
Gross Area4,586 sqft
1st Floor Area1,825 sqft

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2021
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialConcrete
Lot Area7,405 sqft (0.17 acres)
Lot Dimensions150 ft deep x 70 ft wide
Garage TypeAttached
Garage Area572 sqft
PorchFinished/Open Porch
Porch Area531 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number2847396
Street Address404 OCEAN AVE
CityMELBOURNE BEACH
StateFL
Zip32951-2522
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code8B
Legal DescriptionGRAVES PLAT OF MELBOURNE BEACH LOT 23 & W 10 FT OF LOT 24 BLK I EXC ORB 8271 PG 2517
Legal Range38E
Legal Township28S
Legal Section07
Legal SubdivisionGRAVES PLAT OF MELBOURNE BEACH
Legal BlockI
Legal Lot Number23
JurisdictionBREVARD FL
Township / Civil DivisionINDIALANTIC-MELBOURNE BEACH
Census Block Group1
Census Block1030
Census Tract66101

Owner

404 Ocean Ave is owned and occupied by two individuals who acquired it in May 2021.

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

Owner of Record2 Individual Names on File
Mailing Address404 OCEAN AVE, MELBOURNE BEACH, FL 32951-2522
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

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

DateDocument
Oct 12, 2021Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Dec 18, 2019Warranty Deed, Transfer · Conventional Mortgage
MORTGAGE FIRM
Dec 6, 2019Deed of Trust, Mortgage
CENTERSTATE BK NA
Jun 29, 2018Warranty Deed, Transfer
ALLIANCE TITLE INSURANCE AGENCY INC
Aug 6, 2018Grant Deed
ALLIANCE TITLE INSURANCE AGENCY INC, ALLIANCE TITLE INS AGCY INC
Jun 29, 2018Warranty Deed, Transfer
ALLIANCE TITLE INSURANCE AGENCY INC, ALLIANCE TITLE INS AGCY INC
Jun 29, 2018Loan Modification, Mortgage
CENTERSTATE BK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 29, 2018 · Amount on File
Deed SaleJun 29, 2018 · Amount on File
Prior SaleJun 29, 2018 · Amount on File
Deed Document Number2018146779
Deed Book / Page8201 / 2312
Last Transfer DateMay 21, 2021
Transfer Doc0092890418
Record UpdatedSep 20, 2026

October 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBREVARD FL
Recording DateOct 12, 2021
Property Address404 OCEAN AVE, MELBOURNE BEACH, FL 32951-2522
Document Number0092890418
Book / Page9289 / 418
Map ReferenceMB 1 PG 38
Instrument DateMay 21, 2021
Instrument2021267002
Transaction TypeTransfer
Record UpdatedJul 13, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address404 OCEAN AVE, MELBOURNE BEACH, FL 32951-2522

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateDec 18, 2019
Property Address404 OCEAN AVE, MELBOURNE BEACH, FL 32951-2522
Document Number0086162779
Book / Page008616 / 002779
Instrument DateDec 13, 2019
Instrument274356
Transaction TypeTransfer
Record UpdatedFeb 4, 2020
Title CompanyALLIANCE TITLE COMPANY, ALLIANCE TITLE CO

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,383.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address404 OCEAN AVE MELBOURNE BEACH FL 32951, MELBOURNE BEACH, FL 32951

Mortgage

Document Number86162783
DateDec 18, 2019
Book Page008616/002783
Instrument274358
Lender
NameMORTGAGE FIRM
TypeMortgage Company
AddressLAKE HELEN, FL 32744
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueDec 17, 2049

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBREVARD FL
Property Address404 OCEAN AVE, MELBOURNE BEACH, FL 32951-2522
Document Number0086130037
Instrument DateDec 6, 2019
Transaction TypeMortgage
Record UpdatedJan 30, 2020
Title CompanyALLIANCE TITLE COMPANY, ALLIANCE TITLE INS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address406 OCEAN AVE MELBOURNE FL 329512522, MELBOURNE, FL 32951-2522

Mortgage

Document Number0086130037
DateDec 13, 2019
Book Page008613/000037
Instrument270417
Lender
NameCENTERSTATE BK NA
TypeBank
AddressWINTER HAVEN, FL 33881
Agreement
AmountAmount on Record
Term180 Months
DueDec 12, 2034

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateJun 29, 2018
Property Address404 OCEAN AVE, MELBOURNE BEACH, FL 32951-2522
Document Number0082012312
Book / Page008201 / 002312
Instrument DateJun 29, 2018
Instrument146779
Transaction TypeTransfer
Record UpdatedAug 30, 2018
Title CompanyALLIANCE TITLE INSURANCE AGENCY INC

Transaction

AmountAmount on Record
Tax$4,200.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 510247 MELBOURNE BEACH FL 329510247, MELBOURNE BEACH, FL 32951-0247

August 2018: Grant Deed

Document TypeGrant Deed
JurisdictionBREVARD FL
Recording DateAug 6, 2018
Property Address404 OCEAN AVE, MELBOURNE BEACH, FL 32951-2522
Document Number0082312467
Book / Page008231 / 002467
Instrument DateJun 29, 2018
Instrument176515
Record UpdatedNov 21, 2018
Title CompanyALLIANCE TITLE INSURANCE AGENCY INC, ALLIANCE TITLE INS AGCY INC

Transaction

AmountAmount on Record
Tax$4,200.00
Amount AccuracyConfirmed
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 610247 MELBOURNE BEACH FL 32951, MELBOURNE BEACH, FL 32951

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateJun 29, 2018
Property Address404 OCEAN AVE, MELBOURNE BEACH, FL 32951-2522
Document Number0082012311
Book / Page008201 / 002311
Instrument DateJun 29, 2018
Instrument146778
Transaction TypeTransfer
Record UpdatedJul 17, 2018
Title CompanyALLIANCE TITLE INSURANCE AGENCY INC, ALLIANCE TITLE INS AGCY INC

Transaction

AmountAmount on Record
Tax$3,150.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 610247 MELBOURNE BEACH FL 32951, MELBOURNE BEACH, FL 32951

June 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBREVARD FL
Property Address404 OCEAN AVE, MELBOURNE BEACH, FL 32951-2522
Document Number0082012313
Instrument DateJun 29, 2018
Transaction TypeMortgage
Record UpdatedNov 21, 2018
Title CompanyATTORNEY ONLY

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 510247 MELBOURNE BEACH FL 329510247, MELBOURNE BEACH, FL 32951-0247

Mortgage

Document Number0082012313
DateJun 29, 2018
Book Page008201/002313
Instrument146780
Lender
NameCENTERSTATE BK NA
TypeBank
Address1951 7TH ST NW, WINTER HAVEN, FL 33881
Agreement
AmountAmount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 404 Ocean Ave was $9,441 with a homeowner's exemption, up 2.8% from the year before.

Source: Brevard County assessment roll, as of August 18, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBrevard County
MunicipalityMelbourne Beach Town
Unified School DistrictBrevard County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$677,550 (+2.7%)$1,026,940 (-11.11%)
2025$9,441.00 (+2.82%) Homeowner's exemption$659,740$1,155,320
2024$9,182.00 (+2.22%)
2023$8,983.00 (+1.42%) Homeowner's exemption$622,480 (+3%)$903,800 (+14.65%) Land $115,000 Building $788,800
2022$8,857.00 Homeowner's exemption$604,350$788,280 Land $115,000 Building $673,280

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

Flood

FEMA maps place 404 Ocean Ave in Zone X, an area of minimal flood risk, though there have been 40 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 162 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies162 in force
Nearby Flood Claims40 (1979–2022)
Claims Outside the SFHA39 of 40
Most Recent ClaimApr 2022 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Oct 2017 · 6 claims
  • Tropical Storm Fay, Aug 2008 · 10 claims
  • Hurricane Irene, Oct 1999 · 8 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

The area around 404 Ocean Ave 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 RiskNot rated
no burnable land within ember reach

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 SystemCITY OF MELBOURNE
serves 167,753 people · EPA ID FL3051447
Water SourceSurface water
Last State InspectionAug 2024
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 304 locations within half a mile, as of December 31, 2025

ProviderMax 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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