4390 Ponds Dr, Cocoa, FL 32927 Property Records

Brevard County property record for 4390 Ponds Dr, Cocoa, FL 32927

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,687 sqft · built 2007
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$357,000 (Jun 2026)
Tax Bill	$1,791 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-35-23-JM-71-27`

Property Details

APN / Parcel Number

Primary APN	`23-35-23-JM-71-27`
Alternative APNs	`23-35-23-JM-00071.0-0027.00` `2309667`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,687 sqft Living Area
Gross Area	2,302 sqft
1st Floor Area	1,687 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2014
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	380 sqft
Porch	Florida Room
Porch Area	235 sqft
Patio Area	35 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2309667
Street Address	4390 PONDS DR
City	COCOA
State	FL
Zip	32927-8638
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU19
Legal Description	PORT ST JOHN UNIT 3 LOT 27 BLK 71
Legal Range	35E
Legal Township	23S
Legal Section	23
Legal Subdivision	PORT ST JOHN UNIT 3
Legal Block	71
Legal Lot Number	27
Legal Unit	3
Jurisdiction	BREVARD FL
Township / Civil Division	COCOA-ROCKLEDGE
Census Block Group	2
Census Block	2019
Census Tract	62108

Owner

4390 Ponds Dr is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	4390 PONDS DR, COCOA, FL 32927-8638
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Jun 1, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR
Jun 1, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC
Feb 18, 2019	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Aug 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2026 · Amount on File
Deed Sale	Jun 1, 2026 · Amount on File
Prior Sale	Nov 26, 2013 · Amount on File
Deed Document Number	2026111275
Deed Book / Page	10639 / 905
Prior Transfer Date	Jul 14, 2009
Prior Transfer Doc	0059901648
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Jun 1, 2026
Property Address	4390 PONDS DR, COCOA, FL 32927-8638
Document Number	0000111275
Book / Page	10639 / 905
Instrument Date	May 29, 2026
Instrument	2026111275
Transaction Type	Transfer
Record Updated	Jun 11, 2026
Title Company	SUPREME TITLE CLOSINGS LLC, SUPREME TITLE CLOSINGS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$252,399.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4390 PONDS DR, COCOA, FL 32927-8638

Mortgage

Document Number	0000111276,
Date	Jun 1, 2026
Instrument	2026111276

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Jun 1, 2026
Property Address	4390 PONDS DR, COCOA, FL 32927-8638
Document Number	0106390905
Book / Page	10639 / 905
Instrument Date	May 29, 2026
Instrument	2026111275
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	SUPREME TITLE CLOSINGS LLC, SUPREME TITLE CLOSINGS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$252,399.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4390 PONDS DR, COCOA, FL 32927-8638

Mortgage

Document Number	0000111276,
Date	Jun 1, 2026
Instrument	2026111276

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	4390 PONDS DR, COCOA, FL 32927-8638
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4390 PONDS DR, COCOA, FL 32927-8638

Mortgage

Document Number	0083701886
Date	Feb 18, 2019
Book Page	8370/1886
Instrument	2019033193

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Feb 6, 2034

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	4390 PONDS DR, COCOA, FL 32927-8638
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0088251596
Date	Aug 14, 2020
Book Page	8825/1596
Instrument	2020175440

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 4390 Ponds Dr was $1,791, up 1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$129,140 (+2.7%)	$275,710 (-0.39%)
2025	$1,791.00 (+10.01%) Homeowner's exemption Veteran's exemption	$125,750	$276,800
2024	$1,628.00 (+2.52%)
2023	$1,588.00 (+7.3%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$118,660 (+2.99%)	$266,570 (+6.87%) Land $52,000 Building $214,570
2022	$1,480.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$115,210	$249,430 Land $46,000 Building $203,430

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 4390 Ponds Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2005.

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 26 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	5 (2005–2025)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Tropical Storm Fay, Aug 2008 · 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 4390 Ponds Dr is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within 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 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

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 434 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	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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