491 Davidson St SE, Palm Bay, FL 32909 Property Records

Brevard County property record for 491 Davidson St SE, Palm Bay, FL 32909

Property Summary

Property Type	Single Family Home
Details	1,830 sqft · built 2025
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$354,985 (Oct 2025)
Tax Bill	$865 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Nov 2024 Sale
Flood Zone	Zone X (moderate risk)
APN	`29-37-18-JR-2717-74`

Property Details

APN / Parcel Number

Primary APN	`29-37-18-JR-2717-74`
Alternative APNs	`29-37-18-JR-02717.0-0074.00` `2938099`

Interior

Stories	1 Story
Building Area	1,830 sqft Living Area
Gross Area	2,396 sqft
1st Floor Area	1,830 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2026
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	125 ft deep x 87 ft wide
Garage Type	Attached
Garage Area	462 sqft
Porch	Finished/Open Porch

Location & Zoning

Account Number	2938099
Street Address	491 DAVIDSON ST SE
City	PALM BAY
State	FL
Zip	32909-6654
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS2
Legal Description	PORT MALABAR UNIT 50 LOT 74 BLK 2717
Legal Range	37E
Legal Township	29S
Legal Section	18
Legal Subdivision	PORT MALABAR UNIT 50
Legal Block	2717
Legal Lot Number	74
Legal Unit	50
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	2
Census Block	2027
Census Tract	71345

Owner

Source: Brevard County records, as of August 18, 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 Record
Mailing Address	491 DAVIDSON ST SE, PALM BAY, FL 32909-6654
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2025	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD
Nov 6, 2024	Warranty Deed, Transfer DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2025 · Amount on Record
Deed Sale	Oct 10, 2025 · Amount on Record
Prior Sale	Nov 6, 2024 · Amount on Record
Deed Document Number	2025204141
Deed Book / Page	10452 / 965
Record Updated	Sep 20, 2026

October 2025: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Oct 10, 2025
Property Address	491 DAVIDSON ST SE, PALM BAY, FL 32909-6654
Document Number	0104520965
Book / Page	10452 / 965
Map Reference	MB 23 PG 4
Instrument Date	Oct 9, 2025
Instrument	2025204141
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 27, 2025
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1430 CULVER DR NE, PALM BAY, FL 32907-1132

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	491 DAVIDSON ST SE, PALM BAY, FL 32909-6654

Mortgage

Document Number	0010452966
Date	Oct 10, 2025
Instrument	10452/966

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.75%
Index	SOFR Average 30-Day
Max Rate	8.75%

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Nov 6, 2024
Property Address	491 DAVIDSON ST SE, PALM BAY, FL 32909-6654
Document Number	0101950991
Book / Page	10195 / 991
Map Reference	MB 23 PG 4-21
Instrument Date	Nov 5, 2024
Instrument	2024222397
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Tax	$380.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	644 DRUMGOOLE RD W, STATEN ISLAND, NY 10312-1968

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1430 CULVER DR NE, PALM BAY, FL 32907-1132

Tax Assessment & Valuation

Source: Brevard County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Brevard County
Municipality	Palm Bay City
Unified School District	Brevard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$291,280 (+585.36%)	$291,280 (+585.36%)
2025	$865.00 (+82.88%)	$42,500 (+6.25%) Land $42,500	$42,500 (+6.25%) Land $42,500
2024	$473.00 (+11.03%)	$40,000 (+15.94%) Land $40,000	$40,000 (+15.94%) Land $40,000
2023	$426.00 (+26.04%)	$34,500 (+40.82%) Land $34,500	$34,500 (+40.82%) Land $34,500
2022	$338.00	$24,500 Land $24,500	$24,500 Land $24,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 35 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2022 · Hurricane Ian

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF PALM BAY serves 140,750 people · EPA ID FL3050442
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2023
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 345 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

May also be available: Hotwire Communications, Wire 3.

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