Bradford County property record for 445 SE 28th Loop, Melrose, FL 32666 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2005 |
| Square Footage | 1,964 sqft Living Area |
| Lot Size | 20,000 sqft (0.459 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $340,000 (2024) |
| Tax Bill | $2,159.00 (2025) |
| Primary APN | 06203-A-01300 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,964 sqft Living Area |
| Gross Area | 2,944 sqft Gross Area |
| 1st Floor | 1,964 sqft 1st Floor |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 20,000 sqft (0.459 acres) |
| Garage Type | Attached Garage |
| Garage Area | 572 sqft Garage |
| Patio Area | 48 sqft Patio |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 445 SE 28TH LOOP |
|---|---|
| City | MELROSE |
| State | FL |
| Zip | 32666-5375 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 36 8S 22 LOT 13 GENEVA LAKE ESTATES |
| Legal Range | 22E |
| Legal Township | 08S |
| Legal Section | 36 |
| Legal Subdivision | GENEVA LAKE ESTATES |
| Legal Lot Number | 13 |
| Jurisdiction | BRADFORD FL |
| Minor Civil Division | HAMPTON |
| Census Blockgroup | 1 |
| Census Block | 1019 |
| Census Tract | 301 |
Source: Bradford County records · APN 06203-A-01300
Assessment roll updated November 26, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 445 SE 28TH LOOP, MELROSE, FL 32666-5375 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| May 12, 2026 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CREDIT UNION |
| Apr 01, 2024 | Warranty Deed, Transfer · Conventional Mortgage UBS BANK USA |
| Aug 22, 2019 | Deed of Trust, Mortgage · Conventional Mortgage AMERIS BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 01, 2024 · Amount on Record |
| Deed Sale | Apr 01, 2024 · Amount on Record |
| Prior Sale | Apr 22, 2009 · Amount on Record |
| Deed Doc Number | 20243590 |
| Deed Book / Page | 2085 / 109 |
| Prior Transfer Date | Apr 14, 2009 |
| Prior Transfer Doc | 0004227314 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRADFORD FL |
| Recording Date | May 12, 2026 |
| Property Address | 445 SE 28TH LOOP, MELROSE, FL 32666-5375 |
| Document Number | 0000004125 |
| Book / Page | 2211 / 370 |
| Instrument Date | May 05, 2026 |
| Instrument | 20264125 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0000004125, |
|---|---|
| Date | May 12, 2026 |
| Book Page | 2211/370 |
| Instrument | 20264125 |
| Name | MIDFLORIDA CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 15, 2046 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRADFORD FL |
| Recording Date | Apr 01, 2024 |
| Property Address | 445 SE 28TH LOOP, MELROSE, FL 32666-5375 |
| Document Number | 0004003590 |
| Book / Page | 2085 / 109 |
| Map Reference | MB 3 PG 36A&36B |
| Instrument Date | Mar 26, 2024 |
| Instrument | 202404003590 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2025 |
| Title Company | LAKE AREA TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,380.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5638 LITTLE SYCAMORE RD, TAZEWELL, TN 37879-7400 |
| Name | Verified Name |
|---|---|
| Address | 445 SE 28TH LOOP, MELROSE, FL 32666-5375 |
| Document Number | 0002085112 |
|---|---|
| Date | Apr 01, 2024 |
| Instrument | 2085/112 |
| Name | UBS BANK USA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 01, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRADFORD FL |
| Property Address | 445 SE 28TH LOOP, MELROSE, FL 32666-5375 |
| Document Number | 0004007589 |
| Instrument Date | Aug 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 08, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 445 SE 28TH LOOP MELROSE FL 326665375, MELROSE, FL 32666-5375 |
| Document Number | 0004007589 |
|---|---|
| Date | Aug 30, 2019 |
| Book Page | 001806/000575 |
| Instrument | 4007589 |
| Name | AMERIS BK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 29, 2049 |
Source: Bradford County records · Assessment roll updated November 26, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bradford County |
| Unified School District | Bradford County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,159.00 (-49.45%) Homeowner's exemption | $161,231 (-39.07%) | $311,029 (+17.55%) Land $33,000 Building $278,029 |
| 2024 | $4,271.00 (+101.56%) | $264,598 (+57.46%) Land $33,000 Building $231,598 | $264,598 (+6.16%) Land $33,000 Building $231,598 |
| 2023 | $2,119.00 (+5.58%) Homeowner's exemption | $168,038 (+3%) | $249,256 (+22.85%) Land $33,000 Building $216,256 |
| 2022 | $2,007.00 Homeowner's exemption | $163,144 | $202,888 Land $22,000 Building $180,888 |
Source: FEMA National Flood Hazard Layer, Bradford County (12007C), updated November 2, 2018 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 52% of the US · above 23% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 787 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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