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428 Montecito Dr, Satellite Beach, FL 32937 Property Records

Brevard County property record for 428 Montecito Dr, Satellite Beach, FL 32937

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,105 sqft · built 2006
Lot Size0.14 acres (6,098 sqft)
Owner2 Individual Names on File
Last Sale$690,000 (May 2025)
Tax Bill$13,387 (2025)
Deeds & MortgagesAug 2021 Sale & Mortgage
Aug 2018 Line of Credit
Flood ZoneZone X (minimal risk)
APN26-37-26-32-*-66

Property Details

APN / Parcel Number

Primary APN26-37-26-32-*-66
Alternative APNs
  • 26-37-26-32-00000.0-0066.00
  • 2628992

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,105 sqft Living Area
Gross Area2,836 sqft
1st Floor Area2,105 sqft

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2015
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialConcrete
Lot Area6,098 sqft (0.14 acres)
Lot Width49 ft Width
View / LotLake Front
Garage TypeAttached
Garage Area417 sqft
PorchFinished/Open Porch
Porch Area314 sqft
Patio Area314 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number2628992
Street Address428 MONTECITO DR
CitySATELLITE BEACH
StateFL
Zip32937-5705
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionMONTECITO PHASE 1A LOT 66
Legal Range37E
Legal Township26S
Legal Section26
Legal SubdivisionMONTECITO PHASE 1A
Legal Lot Number66
JurisdictionBREVARD FL
Township / Civil DivisionINDIALANTIC-MELBOURNE BEACH
Census Block Group1
Census Block1008
Census Tract66800

Owner

428 Montecito Dr is owned and occupied by two individuals who bought it in May 2025.

Source: Brevard County records, as of October 12, 2026

Owner of Record2 Individual Names on File
Mailing Address428 MONTECITO DR, SATELLITE BEACH, FL 32937-5705
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
Aug 3, 2021Warranty Deed, Transfer · Conventional Mortgage
BETTER MORTGAGE CORPORATION
Aug 2, 2018Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 22, 2025 · Amount on File
Deed SaleMay 22, 2025 · Amount on File
Prior SaleAug 3, 2021 · Amount on File
Deed Document Number2025103387
Deed Book / Page10342 / 308
Prior Transfer DateMar 14, 2025
Prior Transfer Doc0102860401
Record UpdatedOct 29, 2026

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateAug 3, 2021
Property Address428 MONTECITO DR, SATELLITE BEACH, FL 32937-5705
Document Number0092101696
Book / Page9210 / 1696
Map ReferenceMB 54 PG 40
Instrument DateJul 29, 2021
Instrument2021200324
Transaction TypeTransfer
Record UpdatedJan 16, 2024
Title CompanySUPREME TITLE CLOSINGS LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,675.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address420 STRAND DR, MELBOURNE BEACH, FL 32951-3214

Transferred To (Grantee/Buyer)

NameVerified Name
Address428 MONTECITO DR, SATELLITE BEACH, FL 32937-5705
InvestorPossibly a Property Investor

Mortgage

Document Number0092101698
DateAug 3, 2021
Instrument9210/1698
Lender
NameBETTER MORTGAGE CORPORATION
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueAug 1, 2051
Interest
Rate TypeAdjustable Rate
Rate2.12%
Type Change DateAug 1, 2031
Change Frequency6 Months
Min Rate At Change2.75%
Max Rate At Change7.12%
IndexOther
Max Rate7.12%

August 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBREVARD FL
Property Address428 MONTECITO DR, SATELLITE BEACH, FL 32937-5705
Document Number0082372519
Instrument DateAug 2, 2018
Transaction TypeMortgage
Record UpdatedAug 27, 2018
Title CompanyAMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address428 MONTECITO DR SATELLITE BEACH FL 329375705, SATELLITE BEACH, FL 32937-5705

Mortgage

Document Number0082372519
DateAug 14, 2018
Book Page008237/002519
Instrument182764
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueAug 13, 2048
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 428 Montecito Dr was $13,387, up 19.1% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountyBrevard County
MunicipalitySatellite Beach City
Unified School DistrictBrevard County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$507,600 (+3.31%)$507,600 (-0.82%)
2025$13,387.00 (+19.1%)$491,350$511,820
2024$11,240.00 (-5.06%)
2023$11,839.00 (+6.8%) Homeowner's exemption$463,610 (+3%)$470,680 (+4.57%) Land $88,000 Building $382,680
2022$11,085.00 Homeowner's exemption$450,110 Land $88,000 Building $362,110$450,110 Land $88,000 Building $362,110

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

Flood

FEMA maps place 428 Montecito Dr in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1994.

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 107 individual policies
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies186 units insured
incl. 79 condo units
Nearby Flood Claims10 (1994–2022)
Claims Outside the SFHA7 of 10
Most Recent ClaimNov 2022 · Hurricane Nicole
Claims by Event
  • Tropical Storm Fay, Aug 2008 · 2 claims
  • Hurricane Frances, Sep 2004 · 2 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 428 Montecito Dr 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 99.8% of the US · lower than 99.7% 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 430 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20

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