1. Home
  2. Florida
  3. Brevard County
  4. Melbourne Beach
  5. Surf Rd

409 Surf Rd, Melbourne Beach, FL 32951 Property Records

Brevard County property record for 409 Surf Rd, Melbourne Beach, FL 32951

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 2,373 sqft · built 1985
Lot Size0.26 acres (11,326 sqft)
Owner2 Individual Names on File
Last Sale$849,000 (Oct 2024)
Tax Bill$108 (2025)
Deeds & MortgagesMar 2023 Line of Credit
Oct 2022 Line of Credit
+ 4 more
Flood ZoneZone X (minimal risk)
APN28-38-07-FZ-39-3

Property Details

APN / Parcel Number

Primary APN28-38-07-FZ-39-3
Alternative APNs
  • 28-38-07-FZ-00039.0-0003.00
  • 2847546

Interior

Bedrooms4 Beds
Full Baths4 Baths
Stories1 Story
Building Area2,373 sqft Living Area
Gross Area3,423 sqft
1st Floor Area2,373 sqft

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 2004
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area11,326 sqft (0.26 acres)
Lot Dimensions125 ft deep x 90 ft wide
Garage TypeAttached
Garage Area528 sqft

Exterior Amenities

PorchFinished/Open Porch
Porch Area90 sqft
Deck Area720 sqft
Patio Area1,056 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number2847546
Street Address409 SURF RD
CityMELBOURNE BEACH
StateFL
Zip32951-2651
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code2RS
Legal DescriptionROMAC SUBD W 90 FT OF LOT 3 BLK 39
Legal Range38E
Legal Township28S
Legal Section07
Legal SubdivisionROMAC SUBD
Legal Block39
Legal Lot Number3
JurisdictionBREVARD FL
Township / Civil DivisionINDIALANTIC-MELBOURNE BEACH
Census Block Group4
Census Block4004
Census Tract66101

Owner

409 Surf Rd is owned and occupied by two individuals who bought it in October 2024.

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

Owner of Record2 Individual Names on File
Mailing Address409 SURF RD, MELBOURNE BEACH, FL 32951-2651
OccupancyOwner Occupied
Owner TypeIndividual
VestingHis Wife

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
Mar 24, 2023Deed of Trust, Mortgage · Line of Credit
SPACE COAST CU
Oct 17, 2022Deed of Trust, Mortgage · Line of Credit
SPACE COAST CU
Nov 19, 2020Warranty Deed, Transfer
STATE TITLE PARTNERS
Nov 19, 2020Warranty Deed, Transfer
STATE TITLE PARTNERS LLP
Jun 5, 2018Deed of Trust, Mortgage · Line of Credit
BRANCH BK&TR
Apr 26, 2018Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 28, 2024 · Amount on File
Deed SaleOct 28, 2024 · Amount on File
Prior SaleNov 19, 2020 · Amount on File
Deed Document Number2024215344
Deed Book / Page10187 / 1158
Prior Transfer DateApr 25, 2018
Prior Transfer Doc0081490622
Record UpdatedSep 20, 2026

March 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBREVARD FL
Property Address409 SURF RD, MELBOURNE BEACH, FL 32951-2651
Transaction TypeMortgage
Record UpdatedApr 7, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address409 SURF RD, MELBOURNE, FL 32951-2651

Mortgage

Document Number0097470018
DateMar 24, 2023
Book Page9747/18
Instrument2023058793
Lender
NameSPACE COAST CU
TypeCredit Union
AddressMELBOURNE, FL 32940
Agreement
TypeLine of Credit
AmountAmount on Record
Term168 Months
DueMar 23, 2037
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBREVARD FL
Property Address409 SURF RD, MELBOURNE BEACH, FL 32951-2651
Transaction TypeMortgage
Record UpdatedNov 3, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address409 SURF RD, MELBOURNE BEACH, FL 32951-2651

Mortgage

Document Number0096352186
DateOct 17, 2022
Book Page9635/2186
Instrument2022248674
Lender
NameSPACE COAST CU
TypeCredit Union
AddressMELBOURNE, FL 32940
Agreement
TypeLine of Credit
AmountAmount on Record
Term168 Months
DueOct 16, 2036
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateNov 19, 2020
Property Address409 SURF RD, MELBOURNE BEACH, FL 32951-2651
Document Number0089250228
Book / Page008925 / 000228
Instrument DateNov 18, 2020
Instrument258735
Transaction TypeTransfer
Record UpdatedDec 11, 2020
Title CompanySTATE TITLE PARTNERS

Transaction

AmountAmount on Record
Tax$3,710.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address409 SURF RD MELBOURNE BEACH FL 329512651, MELBOURNE BEACH, FL 32951-2651

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateNov 19, 2020
Property Address409 SURF RD, MELBOURNE BEACH, FL 32951-2651
Document Number0089250227
Book / Page8925 / 227
Map ReferenceMB 10 PG 53
Instrument DateNov 18, 2020
Instrument2020258734
Transaction TypeTransfer
Record UpdatedJul 2, 2021
Title CompanySTATE TITLE PARTNERS LLP

Transaction

AmountAmount on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2129 W NEW HAVEN AVE APT 1307, 2129, MELBOURNE VILLAGE, FL 32904-3881

Transferred To (Grantee/Buyer)

NameVerified Name
Address409 SURF RD, MELBOURNE BEACH, FL 32951-2651

June 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBREVARD FL
Property Address409 SURF RD, MELBOURNE BEACH, FL 32951-2651
Document Number0082261071
Instrument DateJun 5, 2018
Transaction TypeMortgage
Record UpdatedAug 15, 2018
Title CompanyACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address409 SURF RD MELBOURNE BEACH FL 329512651, MELBOURNE BEACH, FL 32951-2651

Mortgage

Document Number0082261071
DateJul 31, 2018
Book Page008226/001071
Instrument171258
Lender
NameBRANCH BK&TR
TypeBank
AddressWHITEVILLE, NC 28472
Agreement
TypeLine of Credit
AmountAmount on Record
Term300 Months
DueJul 30, 2043
Interest
Rate TypeAdjustable Rate

April 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBREVARD FL
Recording DateApr 26, 2018
Property Address409 SURF RD, MELBOURNE BEACH, FL 32951-2651
Document Number0081490622
Book / Page008149 / 000622
Instrument DateApr 25, 2018
Instrument93465
Transaction TypeTransfer
Record UpdatedMay 8, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address409 SURF RD MELBOURNE BEACH FL 329512651, MELBOURNE BEACH, FL 32951-2651

Tax Assessment & Valuation

The 2025 property tax bill for 409 Surf Rd was $108 with a veteran's exemption, down 97.9% 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$624,150 (-0.01%)$624,150 (-0.01%)
2025$108.00 (-97.85%)$624,210$624,210
2024$5,028.00 (+2.4%)
2023$4,910.00 (+1.87%) Homeowner's exemption$355,160 (+3%)$687,830 (+15.7%) Land $309,750 Building $378,080
2022$4,820.00 Homeowner's exemption$344,820$594,470 Land $288,750 Building $305,720

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 409 Surf Rd in Zone X, an area of minimal flood risk, within 500 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 140 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies140 in force
Nearby Flood Claims57 (1979–2022)
Claims Outside the SFHA32 of 57
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Irma, Oct 2017 · 10 claims
  • Tropical Storm Fay, Aug 2008 · 10 claims
  • Hurricane Frances, Sep 2004 · 14 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 409 Surf Rd 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 RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 255 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

Nearby Properties on Surf Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures