Brevard County property record for 452 Sandy Key, Melbourne Beach, FL 32951
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,372 sqft · built 1979 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $2,000,000 (Jun 2024) |
| Tax Bill | $20,175 (2025) |
| Deeds & Mortgages | Nov 2020 Line of Credit Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-38-07-JV-*-90 |
| Primary APN | 28-38-07-JV-*-90 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 4,372 sqft Living Area |
| Gross Area | 5,589 sqft |
| 1st Floor Area | 2,410 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Dimensions | 100 ft deep x 102 ft wide |
| View / Lot | Canal Front |
| Garage Type | Attached |
| Garage Area | 802 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 48 sqft |
| Deck Area | 1,032 sqft |
| Balcony Area | 367 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2847588 |
|---|---|
| Street Address | 452 SANDY KY |
| City | MELBOURNE BEACH |
| State | FL |
| Zip | 32951-2724 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 2RS |
| Legal Description | HARBOR EAST SEC 3 AMENDED LOT 90 |
| Legal Range | 38E |
| Legal Township | 28S |
| Legal Section | 07 |
| Legal Subdivision | HARBOR EAST SEC 3 AMENDED |
| Legal Lot Number | 90 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | INDIALANTIC-MELBOURNE BEACH |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 66101 |
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 Record |
|---|---|
| Mailing Address | 452 SANDY KY, MELBOURNE BEACH, FL 32951-2724 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 23, 2020 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jan 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Oct 12, 2018 | Warranty Deed, Transfer · ARM SHELTER MORTGAGE COMPANY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 21, 2024 · Amount on Record |
| Deed Sale | Jun 21, 2024 · Amount on Record |
| Prior Sale | Oct 12, 2018 · Amount on Record |
| Deed Document Number | 2024127882 |
| Deed Book / Page | 10093 / 1202 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 452 SANDY KY, MELBOURNE BEACH, FL 32951-2724 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 452 SANDY KY, MELBOURNE BEACH, FL 32951-2724 |
| Document Number | 0089291772 |
|---|---|
| Date | Nov 23, 2020 |
| Book Page | 8929/1772 |
| Instrument | 2020262570 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 6, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 452 SANDY KY, MELBOURNE BEACH, FL 32951-2724 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | HERITAGE TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0086290111 |
|---|---|
| Date | Jan 3, 2020 |
| Book Page | 8629/0111 |
| Instrument | 2020001253 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Oct 12, 2018 |
| Property Address | 452 SANDY KY, MELBOURNE BEACH, FL 32951-2724 |
| Document Number | 0082840848 |
| Book / Page | 8284 / 0848 |
| Map Reference | MB 23 PG 35 |
| Instrument Date | Oct 9, 2018 |
| Instrument | 2018229219 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2021 |
| Title Company | SUPREME TITLE CLOSINGS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,650.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 508 OCEAN AVE, 508, MELBOURNE BEACH, FL 32951-2500 |
| Name | Verified Name |
|---|---|
| Address | 452 SANDY KY, MELBOURNE BEACH, FL 32951-2724 |
| Document Number | 2018229220 |
|---|---|
| Date | Oct 12, 2018 |
| Instrument | 2018229220 |
| Name | SHELTER MORTGAGE COMPANY LLC |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | Nov 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 6.5% |
| Max Rate At Change | 8.5% |
| Index | 1-Year LIBOR |
| Max Rate | 11.5% |
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 | $1,364,210 (-0.6%) | $1,364,210 (-0.6%) | |
| 2025 | $20,175.00 (+89.79%) Homeowner's exemption | $1,372,500 (+87.85%) Land $525,000 Building $847,500 | $1,372,500 (+12.07%) Land $525,000 Building $847,500 |
| 2023 | $10,630.00 (+1.33%) Homeowner's exemption | $730,620 (+3%) | $1,224,720 (+17.31%) Land $425,000 Building $799,720 |
| 2022 | $10,490.00 Homeowner's exemption | $709,340 | $1,043,990 Land $385,000 Building $658,990 |
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.
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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
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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