441 Sandy Key, Melbourne Beach, FL 32951 Property Records

Brevard County property record for 441 Sandy Key, Melbourne Beach, FL 32951

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,732 sqft · built 2013
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$189,000 (Jun 1993)
Tax Bill	$5,034 (2025)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`28-38-07-JV-*-97`

Property Details

APN / Parcel Number

Primary APN	`28-38-07-JV-*-97`
Alternative APNs	`28-38-07-JV-00000.0-0097.00` `2847595`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,732 sqft Living Area
Gross Area	3,778 sqft
1st Floor Area	2,732 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2018
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	13,939 sqft (0.32 acres)
Lot Dimensions	125 ft deep x 90 ft wide
View / Lot	Canal Front
Garage Type	Attached
Garage Area	636 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	410 sqft
Deck Area	869 sqft
Patio Area	785 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2847595
Street Address	441 SANDY KY
City	MELBOURNE BEACH
State	FL
Zip	32951-2723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2RS
Legal Description	HARBOR EAST SEC 3 AMENDED LOT 97
Legal Range	38E
Legal Township	28S
Legal Section	07
Legal Subdivision	HARBOR EAST SEC 3 AMENDED
Legal Lot Number	97
Jurisdiction	BREVARD FL
Township / Civil Division	INDIALANTIC-MELBOURNE BEACH
Census Block Group	4
Census Block	4001
Census Tract	66101

Owner

441 Sandy Key is owned and occupied by two individuals who acquired it in July 2009.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	441 SANDY KY, MELBOURNE BEACH, FL 32951-2723
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 1993 · Amount on File
Deed Sale	Jun 21, 1993 · Amount on File
Deed Book / Page	3299 / 2991
Last Transfer Date	Jul 8, 2009
Transfer Doc	0059911997
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	441 SANDY KY, MELBOURNE BEACH, FL 32951-2723
Transaction Type	Mortgage
Record Updated	Nov 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0093082653
Date	Oct 29, 2021
Book Page	9308/2653
Instrument	2021284227

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 441 Sandy Key was $5,034 with a homeowner's exemption, up 2.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Brevard County
Municipality	Melbourne Beach Town
Unified School District	Brevard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$376,920 (+2.7%)	$1,191,470 (-0.69%)
2025	$5,034.00 (+2.94%) Homeowner's exemption	$367,020	$1,199,790
2024	$4,890.00 (+2.41%)
2023	$4,775.00 (+1.88%) Homeowner's exemption	$346,300 (+3%)	$1,119,870 (+16.24%) Land $425,000 Building $694,870
2022	$4,687.00 Homeowner's exemption	$336,220	$963,450 Land $385,000 Building $578,450

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

Flood

FEMA maps place 441 Sandy Key in Zone X, an area of moderate flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 140 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	140 in force
Nearby Flood Claims	57 (1979–2022)
Claims Outside the SFHA	32 of 57
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Oct 2017 · 10 claims Tropical Storm Fay, Aug 2008 · 10 claims Hurricane Frances, Sep 2004 · 14 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

The area around 441 Sandy Key has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land 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 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 255 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
Verizon Fixed Wireless	300 / 20