4277 Mount Carmel Ln, Melbourne, FL 32901 Property Records

Brevard County property record for 4277 Mount Carmel Ln, Melbourne, FL 32901

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,942 sqft · built 1998
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Dec 2024)
Tax Bill	$5,875 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Oct 2020 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28-37-15-56-C-18`

Property Details

APN / Parcel Number

Primary APN	`28-37-15-56-C-18`
Alternative APNs	`28-37-15-56-0000C.0-0018.00` `2853332`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,942 sqft Living Area
Gross Area	2,540 sqft
1st Floor Area	1,942 sqft

Exterior

Year Built	Built 1998
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	53 ft Width
View / Lot	Lake Front
Garage Type	Attached
Garage Area	440 sqft
Porch	Florida Room
Porch Area	158 sqft
Deck Area	228 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2853332
Street Address	4277 MOUNT CARMEL LN
City	MELBOURNE
State	FL
Zip	32901-8665
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	EAGLE LAKE LOT 18 BLK C
Legal Range	37E
Legal Township	28S
Legal Section	15
Legal Subdivision	EAGLE LAKE
Legal Block	C
Legal Lot Number	18
Jurisdiction	BREVARD FL
Township / Civil Division	MELBOURNE
Census Block Group	2
Census Block	2019
Census Tract	65127

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	9100 SPRING BROOK CIR, DAVISON, MI 48423-2136
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2021	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Oct 2, 2020	Deed of Trust, Mortgage · Reverse Mortgage PREMIUM SECURITY INC
Sep 21, 2020	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER
Jul 24, 2018	Quit Claim Deed, Transfer · Reverse Mortgage ALL REVERSE MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2024 · Amount on Record
Deed Sale	Dec 10, 2024 · Amount on Record
Prior Sale	Sep 28, 2021 · Amount on Record
Deed Document Number	2024244864
Deed Book / Page	10218 / 2578
Prior Transfer Date	Jul 16, 2018
Prior Transfer Doc	0082192978
Record Updated	Sep 20, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Sep 28, 2021
Property Address	4277 MOUNT CARMEL LN, MELBOURNE, FL 32901-8665
Document Number	0092722523
Book / Page	9272 / 2523
Map Reference	MB 43 PG 55
Instrument Date	Sep 27, 2021
Instrument	2021253108
Transaction Type	Transfer
Record Updated	Oct 13, 2021
Title Company	PRESTIGE TITLE/BREVARD LLC, PRESTIGE TTL OF BREVARD LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1141 TUNNEL RD, 1141, ASHEVILLE, NC 28805-2037

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4277 MOUNT CARMEL LN, MELBOURNE, FL 32901-8665

Mortgage

Document Number	92722524
Date	Sep 28, 2021
Instrument	9272/2524

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	4277 MOUNT CARMEL LN, MELBOURNE, FL 32901-8665
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4277 MOUNT CARMEL LN, MELBOURNE, FL 32901-8665

Mortgage

Document Number	0088731911
Date	Oct 2, 2020
Book Page	8873/1911
Instrument	2020215951

Lender

Name	PREMIUM SECURITY INC
Type	Non-Lending Institution
Address	HENDERSON, NV 89014

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.66%
Type Change Date	Oct 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	4277 MOUNT CARMEL LN, MELBOURNE, FL 32901-8665
Document Number	0088731929
Instrument Date	Sep 21, 2020
Transaction Type	Mortgage
Record Updated	Oct 16, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4277 MOUNT CARMEL LN MELBOURNE FL 329018665, MELBOURNE, FL 32901-8665

Mortgage

Document Number	0088731929
Date	Oct 2, 2020
Book Page	008873/001929
Instrument	215952

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1032 Months

Interest

Rate Type	Adjustable Rate
Rate	2.66%

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BREVARD FL
Recording Date	Jul 24, 2018
Property Address	4277 MOUNT CARMEL LN, MELBOURNE, FL 32901-8665
Document Number	0082192978
Book / Page	8219 / 2978
Map Reference	MB 43 PG 55&56
Instrument Date	Jul 16, 2018
Instrument	2018164917
Transaction Type	Transfer
Record Updated	Jul 2, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$791.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4277 MOUNT CARMEL LN, MELBOURNE, FL 32901-8665

Mortgage

Document Number	2018164918
Date	Jul 24, 2018
Instrument	2018164918

Lender

Name	ALL REVERSE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.27%
Type Change Date	Aug 1, 2019
Change Frequency	Annually
Index	1-Year LIBOR

Tax Assessment & Valuation

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		$286,020 (-12.21%)	$286,020 (-12.21%)
2025	$5,875.00 (+24.05%)	$325,800 (+8.59%)	$325,800 (+0.65%)
2024	$4,736.00 (+2.2%)
2023	$4,634.00 (+6.02%) Homeowner's exemption	$300,020 (+3%)	$323,690 (+11.12%) Land $49,500 Building $274,190
2022	$4,371.00 Homeowner's exemption	$291,290 Land $44,000 Building $247,290	$291,290 Land $44,000 Building $247,290

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

Flood

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 Record 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

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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