440 Charles Dr, Melbourne, FL 32935 Property Records

Brevard County property record for 440 Charles Dr, Melbourne, FL 32935

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,609 sqft · built 1957
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Jul 2026)
Tax Bill	$3,861 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-37-28-01-G-13`

Property Details

APN / Parcel Number

Primary APN	`27-37-28-01-G-13`
Alternative APNs	`27-37-28-01-0000G.0-0013.00` `2728504`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,609 sqft Living Area
Gross Area	1,931 sqft
1st Floor Area	1,609 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 2010
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	110 ft deep x 80 ft wide

Exterior Amenities

Porch	Florida Room
Porch Area	202 sqft
Patio Area	543 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2728504
Street Address	440 CHARLES DR
City	MELBOURNE
State	FL
Zip	32935-6777
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	ALMAR SUBD SEC A LOT 13 BLK G
Legal Range	37E
Legal Township	27S
Legal Section	28
Legal Subdivision	ALMAR SUBD SEC A
Legal Block	G
Legal Lot Number	13
Jurisdiction	BREVARD FL
Township / Civil Division	MELBOURNE
Census Block Group	2
Census Block	2024
Census Tract	64201

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	Individual Name on Record
Mailing Address	440 CHARLES DR, MELBOURNE, FL 32935-6777
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Warranty Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 5, 2023	Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2026 · Amount on Record
Deed Sale	Jul 27, 2026 · Amount on Record
Prior Sale	Dec 5, 2023 · Amount on Record
Deed Document Number	2026152732
Deed Book / Page	10686 / 1641
Prior Transfer Date	Feb 23, 2006
Prior Transfer Doc	0056156934
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Jul 27, 2026
Property Address	440 CHARLES DR, MELBOURNE, FL 32935-6777
Document Number	0000152732
Book / Page	10686 / 1641
Instrument Date	Jul 24, 2026
Instrument	2026152732
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	PRESTIGE TITLE, PRESTIGE TITLE OF BREVARD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$236,845.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 CHARLES DR, MELBOURNE, FL 32935-6777

Mortgage

Document Number	0000152733,
Date	Jul 27, 2026
Instrument	2026152733

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.52%
Max Rate	-1%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Dec 5, 2023
Property Address	440 CHARLES DR, MELBOURNE, FL 32935-6777
Document Number	0099452262
Book / Page	9945 / 2262
Map Reference	MB 11 PG 25
Instrument Date	Dec 4, 2023
Instrument	2023254551
Transaction Type	Transfer
Record Updated	Dec 20, 2023
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 DARTMOUTH RD, MASSAPEQUA, NY 11758-8121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 CHARLES DR, MELBOURNE, FL 32935-6777

Mortgage

Document Number	0099452264
Date	Dec 5, 2023
Instrument	9945/2264

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

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		$228,670 (-9.76%)	$228,670 (-9.76%)
2025	$3,861.00 (-0.67%) Homeowner's exemption	$253,390 (+45.6%)	$253,390 (+45.6%)
2024	$3,887.00 (+51.78%)
2023	$2,561.00 (+15.15%)	$174,030 (+13.7%) Land $90,000 Building $84,030	$174,030 (+13.7%) Land $90,000 Building $84,030
2022	$2,224.00	$153,060 Land $80,000 Building $73,060	$153,060 Land $80,000 Building $73,060

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	2 (1999–2008)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2008 · Tropical Storm Fay

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 202 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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