440 Spring Lake Dr, Melbourne, FL 32940 Property Records

Brevard County property record for 440 Spring Lake Dr, Melbourne, FL 32940

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,316 sqft · built 1993
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$397,500 (Jul 2018)
Tax Bill	$4,674 (2025)
Deeds & Mortgages	Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-36-14-NL-3-3`

Property Details

APN / Parcel Number

Primary APN	`26-36-14-NL-3-3`
Alternative APNs	`26-36-14-NL-00003.0-0003.00` `2603645`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,316 sqft Living Area
Gross Area	3,291 sqft
1st Floor Area	2,316 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	112 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	528 sqft
Porch	Finished/Open Porch
Porch Area	447 sqft
Deck Area	496 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2603645
Street Address	440 SPRING LAKE DR
City	MELBOURNE
State	FL
Zip	32940-1954
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	SUNTREE P.U.D. STAGE 5 TRACT 55 LOT 3 BLK 3
Legal Range	36E
Legal Township	26S
Legal Section	14
Legal Subdivision	SUNTREE P.U.D. STAGE 5 TRACT 55
Legal Tract	55
Legal Block	3
Legal Lot Number	3
Jurisdiction	BREVARD FL
Township / Civil Division	MELBOURNE
Census Block Group	3
Census Block	3009
Census Tract	64128

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	2 Individual Names on Record
Mailing Address	440 SPRING LAKE DR, MELBOURNE, FL 32940-1954
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2018 · Amount on Record
Deed Sale	Jul 17, 2018 · Amount on Record
Prior Sale	Jan 23, 2008 · Amount on Record
Deed Document Number	2018158547
Deed Book / Page	8213 / 1903
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	440 SPRING LAKE DR, MELBOURNE, FL 32940-1954
Document Number	0082131904
Instrument Date	Jul 16, 2018
Transaction Type	Transfer
Record Updated	Aug 1, 2018
Title Company	OTHER

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6380 BENNETT CT ST CLOUD FL 347719479, ST CLOUD, FL 34771-9479

Mortgage

Document Number	0082131904
Date	Jul 17, 2018
Book Page	008213/001904
Instrument	158548

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2048

Tax Assessment & Valuation

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		$359,150 (+2.7%)	$494,830 (-2.4%)
2025	$4,674.00 (+8.93%) Homeowner's exemption	$349,710 (+5.98%)	$507,020 (-0.95%) Land $110,000 Building $397,020
2023	$4,291.00 (+7.3%) Homeowner's exemption	$329,970 (+3%)	$511,870 (+4.83%) Land $115,000 Building $396,870
2022	$3,999.00 Homeowner's exemption	$320,360	$488,270 Land $130,000 Building $358,270

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

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 258 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	258 in force
Nearby Flood Claims	20 (1995–2026)
Claims Outside the SFHA	9 of 20
Most Recent Claim	Jun 2026 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims Tropical Storm Fay, Aug 2008 · 7 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 144 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 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20