Brevard County property record for 451 Sandy Key, Melbourne Beach, FL 32951
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,304 sqft · built 1972 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $720,000 (May 2016) |
| Tax Bill | $10,453 (2025) |
| Deeds & Mortgages | Nov 2020 Line of Credit Oct 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 28-38-07-JV-*-92 |
| Primary APN | 28-38-07-JV-*-92 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,304 sqft Living Area |
| Gross Area | 3,356 sqft |
| 1st Floor Area | 2,304 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 100 ft deep x 102 ft wide |
| View / Lot | Canal Front |
| Garage Type | Attached |
| Garage Area | 553 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 499 sqft |
| Deck Area | 772 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2847590 |
|---|---|
| Street Address | 451 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 92 |
| Legal Range | 38E |
| Legal Township | 28S |
| Legal Section | 07 |
| Legal Subdivision | HARBOR EAST SEC 3 AMENDED |
| Legal Lot Number | 92 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | INDIALANTIC-MELBOURNE BEACH |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 66101 |
451 Sandy Key is owned and occupied by two individuals who bought it in May 2016.
Source: Brevard County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 451 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 |
|---|---|
| Nov 25, 2020 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Oct 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 19, 2016 · Amount on File |
| Deed Sale | May 19, 2016 · Amount on File |
| Prior Sale | Nov 17, 2014 · Amount on File |
| Deed Document Number | 201696271 |
| Deed Book / Page | 7619 / 2044 |
| Prior Transfer Date | Aug 6, 2013 |
| Prior Transfer Doc | 0071651301 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 451 SANDY KY, MELBOURNE BEACH, FL 32951-2723 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 451 SANDY KY, MELBOURNE, FL 32951-2723 |
| Document Number | 0089322288 |
|---|---|
| Date | Nov 25, 2020 |
| Book Page | 8932/2288 |
| Instrument | 2020265073 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 24, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 451 SANDY KY, MELBOURNE BEACH, FL 32951-2723 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0088811122 |
|---|---|
| Date | Oct 9, 2020 |
| Book Page | 8881/1122 |
| Instrument | 2020222432 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2035 |
The 2025 property tax bill for 451 Sandy Key was $10,453 with a homeowner's exemption, up 2.8% 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 | $746,550 (+2.7%) | $1,067,830 (-0.42%) | |
| 2025 | $10,453.00 (+2.81%) Homeowner's exemption | $726,930 | $1,072,320 |
| 2024 | $10,167.00 (+2.2%) | ||
| 2023 | $9,948.00 (+1.37%) Homeowner's exemption | $685,880 (+3%) | $977,920 (+12.29%) Land $467,500 Building $510,420 |
| 2022 | $9,814.00 Homeowner's exemption | $665,910 | $870,880 Land $423,500 Building $447,380 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 451 Sandy Key in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 4.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| 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 451 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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