Brevard County property record for 434 Brightwaters Dr, Cocoa Beach, FL 32931
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,970 sqft · built 1967 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,681 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage May 2021 Transfer |
| Flood Zone | Zone X (moderate risk) |
| APN | 24-37-27-51-*-109 |
| Primary APN | 24-37-27-51-*-109 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,970 sqft Living Area |
| Gross Area | 2,873 sqft |
| 1st Floor Area | 1,970 sqft |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 130 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 420 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2437243 |
|---|---|
| Street Address | 434 BRIGHTWATERS DR |
| City | COCOA BEACH |
| State | FL |
| Zip | 32931-3838 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS1 |
| Legal Description | VENETIAN WAY SEC 3 LOT 109 |
| Legal Range | 37E |
| Legal Township | 24S |
| Legal Section | 27 |
| Legal Subdivision | VENETIAN WAY SEC 3 |
| Legal Lot Number | 109 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | COCOA BEACH-CAPE CANAVERAL |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 68400 |
434 Brightwaters Dr is owned and occupied by two individuals who acquired it in May 2021.
Source: Brevard County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 434 BRIGHTWATERS DR, COCOA BEACH, FL 32931-3838 |
| 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.
| Date | Document |
|---|---|
| Oct 26, 2023 | Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK |
| May 28, 2021 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 28, 2021 |
| Transfer Doc | 0091371174 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 434 BRIGHTWATERS DR, COCOA BEACH, FL 32931-3838 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 434 BRIGHTWATERS DR, COCOA BEACH, FL 32931-3838 |
| Document Number | 0099171982 |
|---|---|
| Date | Oct 26, 2023 |
| Book Page | 9917/1982 |
| Instrument | 2023226817 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 26, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | May 28, 2021 |
| Property Address | 434 BRIGHTWATERS DR, COCOA BEACH, FL 32931-3838 |
| Document Number | 0091371174 |
| Book / Page | 9137 / 1174 |
| Map Reference | MB 19 PG 107 |
| Instrument Date | May 28, 2021 |
| Instrument | 2021138755 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 434 BRIGHTWATERS DR, COCOA BEACH, FL 32931-3838 |
The 2025 property tax bill for 434 Brightwaters Dr was $4,681 with exemptions applied, up 1.9% from the year before.
Source: Brevard County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Brevard County |
| Municipality | Cocoa Beach City |
| Unified School District | Brevard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $344,190 (+2.7%) | $516,150 (-2.68%) | |
| 2025 | $4,681.00 (+1.92%) Homeowner's exemption Veteran's exemption | $335,150 | $530,360 |
| 2024 | $4,593.00 (+3.63%) | ||
| 2023 | $4,432.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $316,230 | $450,700 Land $170,000 Building $280,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 434 Brightwaters Dr in Zone X, an area of moderate 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 Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Coastal | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 178 individual policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 318 units insured incl. 140 condo units |
| Nearby Flood Claims | 43 (1983–2024) |
| Claims Outside the SFHA | 22 of 43 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 risk around 434 Brightwaters 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 Risk | Low lower than 99.8% of the US · lower than 99.7% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF COCOA serves 294,039 people · EPA ID FL3050223 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | 2 ppb (2022) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 169 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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