Brevard County property record for 445 Sandy Key, Melbourne Beach, FL 32951
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,240 sqft · built 1978 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $760,000 (Apr 2020) |
| Tax Bill | $8,940 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Apr 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 28-38-07-JV-*-95 |
| Primary APN | 28-38-07-JV-*-95 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,240 sqft Living Area |
| Gross Area | 4,321 sqft |
| 1st Floor Area | 2,286 sqft |
| Upper Floors Area | 240 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| 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 | 598 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 312 sqft |
| Deck Area | 396 sqft |
| Patio Area | 336 sqft |
| Balcony Area | 171 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2847593 |
|---|---|
| Street Address | 445 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 95 |
| Legal Range | 38E |
| Legal Township | 28S |
| Legal Section | 07 |
| Legal Subdivision | HARBOR EAST SEC 3 AMENDED |
| Legal Lot Number | 95 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | INDIALANTIC-MELBOURNE BEACH |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 66101 |
445 Sandy Key is owned and occupied by two individuals who bought it in April 2020.
Source: Brevard County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 445 SANDY KY, MELBOURNE BEACH, FL 32951-2723 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 4, 2026 | Deed of Trust, Mortgage · Line of Credit LEAD BANK |
| Apr 4, 2022 | Deed of Trust, Mortgage · Line of Credit SPACE COAST CU |
| Apr 30, 2020 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2020 · Amount on File |
| Deed Sale | Apr 30, 2020 · Amount on File |
| Prior Sale | Aug 1, 2016 · Amount on File |
| Deed Document Number | 202096383 |
| Deed Book / Page | 8731 / 618 |
| Prior Transfer Date | Aug 12, 2016 |
| Prior Transfer Doc | 0000180653 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Sep 4, 2026 |
| Property Address | 445 SANDY KY, MELBOURNE BEACH, FL 32951-2723 |
| Document Number | 0000183930 |
| Book / Page | 10720 / 2914 |
| Instrument Date | Aug 26, 2026 |
| Instrument | 2026183930 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU |
| Name | Verified Name |
|---|---|
| Address | 445 SANDY KY, MELBOURNE BEACH, FL 32951-2723 |
| Document Number | 0000183930, |
|---|---|
| Date | Sep 4, 2026 |
| Book Page | 10720/2914 |
| Instrument | 2026183930 |
| Name | LEAD BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 26, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 445 SANDY KY, MELBOURNE BEACH, FL 32951-2723 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2022 |
| Name | Verified Name |
|---|---|
| Address | 445 SANDY KY, MELBOURNE, FL 32951-2723 |
| Document Number | 0094650584 |
|---|---|
| Date | Apr 4, 2022 |
| Book Page | 9465/584 |
| Instrument | 2022083689 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | MELBOURNE, FL 32940 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 164 Months |
| Due | Dec 25, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Apr 30, 2020 |
| Property Address | 445 SANDY KY, MELBOURNE BEACH, FL 32951-2723 |
| Document Number | 0087310618 |
| Book / Page | 8731 / 618 |
| Map Reference | MB 23 PG 35 |
| Instrument Date | Apr 30, 2020 |
| Instrument | 2020096383 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2021 |
| Title Company | HERITAGE TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,320.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6657 DASHER CT, 6657, COLUMBIA, MD 21045-8204 |
| Name | Verified Name |
|---|---|
| Address | 315 MAPLE DR, SATELLITE BEACH, FL 32937-3220 |
| Document Number | 87310621 |
|---|---|
| Date | Apr 30, 2020 |
| Instrument | 8731/0621 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
The 2025 property tax bill for 445 Sandy Key was $8,940 with a homeowner's exemption.
Source: Brevard County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Brevard County |
| Municipality | Melbourne Beach Town |
| Unified School District | Brevard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $643,330 (+2.7%) | $993,480 (+0.61%) | |
| 2025 | $8,940.00 Homeowner's exemption | $626,420 | $987,430 Land $525,000 Building $462,430 |
| 2023 | $8,504.00 (+1.46%) Homeowner's exemption | $591,040 (+3%) | $921,950 (+12.16%) Land $425,000 Building $496,950 |
| 2022 | $8,382.00 Homeowner's exemption | $573,830 | $822,010 Land $385,000 Building $437,010 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 445 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 |
|
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.
The area around 445 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.
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 |
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures