4096 Mount Carmel Ln, Melbourne, FL 32901 Property Records

Brevard County property record for 4096 Mount Carmel Ln, Melbourne, FL 32901

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,902 sqft · built 2001
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Dec 2017)
Tax Bill	$2,788 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-37-15-80-*-123`

Property Details

APN / Parcel Number

Primary APN	`28-37-15-80-*-123`
Alternative APNs	`28-37-15-80-00000.0-0123.00` `2858045`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,902 sqft Living Area
Gross Area	2,554 sqft
1st Floor Area	1,902 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)
Lot Width	57 ft Width
View / Lot	Lake Front
Garage Type	Attached
Garage Area	440 sqft
Porch	Florida Room
Porch Area	212 sqft
Patio Area	212 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2858045
Street Address	4096 MOUNT CARMEL LN
City	MELBOURNE
State	FL
Zip	32901-8679
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	EAGLE LAKE TWO PHASE TWO LOT 123
Legal Range	37E
Legal Township	28S
Legal Section	15
Legal Subdivision	EAGLE LAKE TWO PHASE TWO
Legal Phase	2
Legal Lot Number	123
Jurisdiction	BREVARD FL
Township / Civil Division	MELBOURNE
Census Block Group	2
Census Block	2004
Census Tract	65127

Owner

4096 Mount Carmel Ln is owned and occupied by an individual who bought it in December 2017.

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

Owner of Record	Individual Name on File
Mailing Address	4096 MOUNT CARMEL LN, MELBOURNE, FL 32901-8679
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Dec 4, 2017	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2017 · Amount on File
Deed Sale	Dec 4, 2017 · Amount on File
Prior Sale	Nov 28, 2001 · Amount on File
Deed Document Number	2017250758
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	4096 MOUNT CARMEL LN, MELBOURNE, FL 32901-8679
Transaction Type	Mortgage
Record Updated	Dec 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4096 MOUNT CARMEL LN, MELBOURNE, FL 32901-8679

Mortgage

Document Number	0099290331
Date	Nov 13, 2023
Book Page	9929/331
Instrument	2023238165

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2038

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Dec 4, 2017
Property Address	4096 MOUNT CARMEL LN, MELBOURNE, FL 32901-8679
Document Number	0080392886
Book / Page	008039 / 002886
Instrument Date	Nov 22, 2017
Instrument	250758
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4096 MOUNT CANNEL LN MELBOURNE FL 32901, MELBOURNE, FL 32901

Mortgage

Document Number	80392887
Date	Dec 4, 2017
Book Page	008039/002887
Instrument	250759

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4096 Mount Carmel Ln was $2,788 with exemptions applied.

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

Property Jurisdictions

Type	Name
State	Florida
County	Brevard County
Municipality	Melbourne City
Unified School District	Brevard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$203,030 (+2.7%)	$264,610 (-12.54%)
2025	$2,788.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$197,700	$302,540 Land $66,000 Building $236,540
2023	$2,566.00 (+6.92%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$186,540 (+3%)	$297,640 (+12.85%) Land $49,500 Building $248,140
2022	$2,400.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$181,110	$263,750 Land $44,000 Building $219,750

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

Flood

FEMA maps place 4096 Mount Carmel Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.

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 File median of 36 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	36 in force
Nearby Flood Claims	2 (2008–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2017 · Hurricane Irma

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 4096 Mount Carmel Ln 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 99.1% of the US · lower than 98.7% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 431 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 · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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