Brevard County property record for 438 Carmel Dr, Melbourne, FL 32940
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,722 sqft · built 1993 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on File |
| Last Sale | $466,000 (May 2026) |
| Tax Bill | $5,287 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Mar 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 26-36-11-77-*-55 |
| Primary APN | 26-36-11-77-*-55 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,722 sqft Living Area |
| Gross Area | 2,498 sqft |
| 1st Floor Area | 1,722 sqft |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 6,970 sqft (0.16 acres) |
| View / Lot | Lake Front |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 335 sqft |
| Deck Area | 491 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2615196 |
|---|---|
| Street Address | 438 CARMEL DR |
| City | MELBOURNE |
| State | FL |
| Zip | 32940-7778 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | MISSION LAKE VILLAS UNIT TWO LOT 55 |
| Legal Range | 36E |
| Legal Township | 26S |
| Legal Section | 11 |
| Legal Subdivision | MISSION LAKE VILLAS UNIT TWO |
| Legal Lot Number | 55 |
| Legal Unit | 2 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | COCOA-ROCKLEDGE |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 63109 |
Source: Brevard County records · APN 26-36-11-77-*-55
Assessment roll updated August 18, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 438 CARMEL DR, MELBOURNE, FL 32940-7778 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| May 28, 2026 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 22, 2021 | Warranty Deed, Transfer · Conventional Mortgage BAYSHORE MORTGAGE FUNDING LLC |
| Dec 20, 2017 | Warranty Deed, Transfer · Conventional with PMI EVOLVE BK&TR |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 28, 2026 · Amount on Record |
| Deed Sale | May 28, 2026 · Amount on Record |
| Prior Sale | Mar 22, 2021 · Amount on Record |
| Deed Document Number | 2026109256 |
| Deed Book / Page | 10636 / 2249 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | May 28, 2026 |
| Property Address | 438 CARMEL DR, MELBOURNE, FL 32940-7778 |
| Document Number | 0000109256 |
| Book / Page | 10636 / 2249 |
| Instrument Date | May 13, 2026 |
| Instrument | 2026109256 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2026 |
| Title Company | PENINSULA TITLE & ESCROW SERVI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $329,462.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 438 CARMEL DR, MELBOURNE, FL 32940-7778 |
| Investor | Possibly a Property Investor |
| Document Number | 0000109258, |
|---|---|
| Date | May 28, 2026 |
| Instrument | 2026109258 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.13% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Mar 22, 2021 |
| Property Address | 438 CARMEL DR, MELBOURNE, FL 32940-7778 |
| Document Number | 0090591740 |
| Book / Page | 9059 / 1740 |
| Map Reference | MB 38 PG 53 |
| Instrument Date | Mar 22, 2021 |
| Instrument | 2021072406 |
| Transaction Type | Transfer |
| Record Updated | Jul 02, 2021 |
| Title Company | STATE TITLE PARTNERS LLP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,709.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 382 MYRTLE PL, 382, OCCOQUAN, VA 22125-7741 |
| Name | Verified Name |
|---|---|
| Address | 800 WHARF ST SW UNIT 25, 25, WASHINGTON, DC 20024-3477 |
| Document Number | 90591741 |
|---|---|
| Date | Mar 22, 2021 |
| Instrument | 9059/1741 |
| Name | BAYSHORE MORTGAGE FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Dec 20, 2017 |
| Property Address | 438 CARMEL DR, MELBOURNE, FL 32940-7778 |
| Document Number | 0080531366 |
| Book / Page | 008053 / 001366 |
| Instrument Date | Dec 18, 2017 |
| Instrument | 265319 |
| Transaction Type | Transfer |
| Record Updated | Mar 01, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,946.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 448 OVERLOOK DR OCCOQUAN VA 221257745, OCCOQUAN, VA 22125-7745 |
| Document Number | 80531367 |
|---|---|
| Date | Dec 20, 2017 |
| Book Page | 008053/001367 |
| Instrument | 265320 |
| Name | EVOLVE BK&TR |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38119 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 19, 2047 |
Source: Brevard County records · Assessment roll updated August 18, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Brevard County |
| Unified School District | Brevard County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $371,960 (-1.71%) | $371,960 (-1.71%) | |
| 2025 | $5,287.00 (-7.57%) | $378,420 (-11.26%) | $378,420 (-11.26%) |
| 2023 | $5,720.00 (+14.81%) | $426,420 (+13.26%) Land $115,500 Building $310,920 | $426,420 (+13.26%) Land $115,500 Building $310,920 |
| 2022 | $4,982.00 | $376,480 Land $104,500 Building $271,980 | $376,480 Land $104,500 Building $271,980 |
Source: FEMA National Flood Hazard Layer as of October 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 149 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 149 in force |
| Nearby Flood Claims | 2 (2008–2017) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 274 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF COCOA serves 294,039 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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