Brevard County property record for 449 Sandy Key, Melbourne Beach, FL 32951
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,054 sqft · built 1972 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,425,000 (Apr 2026) |
| Tax Bill | $7,742 (2025) |
| Deeds & Mortgages | Apr 2026 Sale Oct 2025 Transfer + 5 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 28-38-07-JV-*-93 |
| Primary APN | 28-38-07-JV-*-93 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,054 sqft Living Area |
| Gross Area | 3,074 sqft |
| 1st Floor Area | 2,054 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,375 sqft (0.33 acres) |
| Lot Dimensions | 112 ft deep x 96 ft wide |
| View / Lot | Canal Front |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 580 sqft |
| Deck Area | 734 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2847591 |
|---|---|
| Street Address | 449 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 93 |
| Legal Range | 38E |
| Legal Township | 28S |
| Legal Section | 07 |
| Legal Subdivision | HARBOR EAST SEC 3 AMENDED |
| Legal Lot Number | 93 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | INDIALANTIC-MELBOURNE BEACH |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 66101 |
449 Sandy Key is owned and occupied by two individuals who bought it in April 2026.
Source: Brevard County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 449 SANDY KY, MELBOURNE BEACH, FL 32951-2723 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Apr 10, 2026 | Warranty Deed, Transfer PRESTIGE TITLE/BREVARD LLC, PRESTIGE TITLE OF BREVARD |
| Oct 30, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Aug 20, 2021 | Deed of Trust, Mortgage · Line of Credit SPACE COAST CU |
| May 30, 2019 | Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK |
| Sep 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage OBSIDIAN FINANCIAL SERVICES INC |
| Aug 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Oct 31, 2018 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 10, 2026 · Amount on File |
| Deed Sale | Apr 10, 2026 · Amount on File |
| Prior Sale | Oct 31, 2018 · Amount on File |
| Deed Document Number | 202672598 |
| Deed Book / Page | 10595 / 2339 |
| Prior Transfer Date | Apr 23, 2013 |
| Prior Transfer Doc | 0068640161 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Apr 10, 2026 |
| Property Address | 449 SANDY KY, MELBOURNE BEACH, FL 32951-2723 |
| Document Number | 0000072598 |
| Book / Page | 10595 / 2339 |
| Instrument Date | Apr 3, 2026 |
| Instrument | 202672598 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2026 |
| Title Company | PRESTIGE TITLE/BREVARD LLC, PRESTIGE TITLE OF BREVARD |
| Amount | Amount on Record |
|---|---|
| Tax | $1,007,475.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 449 SANDY KY, MELBOURNE BEACH, FL 32951-2723 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Oct 30, 2025 |
| Property Address | 449 SANDY KY, MELBOURNE BEACH, FL 32951-2723 |
| Document Number | 0104672521 |
| Book / Page | 10467 / 2521 |
| Map Reference | MB 23 PG 35 |
| Instrument Date | Oct 29, 2025 |
| Instrument | 2025218305 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 449 SANDY KY, MELBOURNE BEACH, FL 32951-2723 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 449 SANDY KY, MELBOURNE BEACH, FL 32951-2723 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 449 SANDY KY, MELBOURNE BEACH, FL 32951-2723 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0092310363 |
|---|---|
| Date | Aug 20, 2021 |
| Book Page | 9231/363 |
| Instrument | 2021217698 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | MELBOURNE, FL 32940 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 168 Months |
| Due | Aug 25, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 449 SANDY KY, MELBOURNE BEACH, FL 32951-2723 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0084511919 |
|---|---|
| Date | May 30, 2019 |
| Book Page | 8451/1919 |
| Instrument | 2019116831 |
| Name | SEACOAST NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | STUART, FL 34995 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 20, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 449 SANDY KY, MELBOURNE BEACH, FL 32951-2723 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | HOMETOWN TITLE GROUP INC |
| Name | Verified Name |
|---|---|
| Address | 449 SANDY KY, MELBOURNE, FL 32951-2723 |
| Document Number | 0088650694 |
|---|---|
| Date | Sep 24, 2020 |
| Book Page | 8865/694 |
| Instrument | 2020208855 |
| Name | OBSIDIAN FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | MELBOURNE, FL 32935 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 449 SANDY KY, MELBOURNE BEACH, FL 32951-2723 |
| Document Number | 0085340697 |
| Instrument Date | Aug 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 449 SANDY KY MELBOURNE BEACH FL 329512723, MELBOURNE BEACH, FL 32951-2723 |
| Document Number | 0085340697 |
|---|---|
| Date | Sep 10, 2019 |
| Book Page | 008534/000697 |
| Instrument | 197297 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 9, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Oct 31, 2018 |
| Property Address | 449 SANDY KY, MELBOURNE BEACH, FL 32951-2723 |
| Document Number | 0082982013 |
| Book / Page | 008298 / 002013 |
| Instrument Date | Oct 29, 2018 |
| Instrument | 244292 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2018 |
| Title Company | PRECISE TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,375.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 449 SANDY KY MELBOURNE BEACH FL 329512723, MELBOURNE BEACH, FL 32951-2723 |
| Document Number | 82982015 |
|---|---|
| Date | Oct 31, 2018 |
| Book Page | 008298/002015 |
| Instrument | 244293 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 30, 2048 |
The 2025 property tax bill for 449 Sandy Key was $7,742, up 15.4% from the year before.
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 | $561,620 (+2.7%) | $906,430 (+0.95%) | |
| 2025 | $7,742.00 (+15.4%) Homeowner's exemption | $546,860 (+14.58%) | $897,940 (+3.32%) |
| 2024 | $6,709.00 (+2.29%) Homeowner's exemption | $477,260 (+3%) | $869,100 (+13.39%) Land $475,000 Building $394,100 |
| 2023 | $6,559.00 (+1.31%) Homeowner's exemption | $463,360 (+2.72%) | $766,480 (+12.87%) Land $425,000 Building $341,480 |
| 2022 | $6,474.00 Homeowner's exemption | $451,110 | $679,060 Land $385,000 Building $294,060 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 449 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.
Wildfire risk around 449 Sandy Key is low, with less than a 0.01% annual chance of 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.
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 |
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