521 Palmetto Dr, Melbourne, FL 32935 Property Records

Brevard County property record for 521 Palmetto Dr, Melbourne, FL 32935

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,237 sqft · built 1978
Lot Size	0.57 acres (24,829 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Dec 2019)
Tax Bill	$2,729 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-37-17-29-*-4`

Property Details

APN / Parcel Number

Primary APN	`27-37-17-29-*-4`
Alternative APNs	`27-37-17-29-00000.0-0004.00` `2718785`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,237 sqft Living Area
Gross Area	1,963 sqft
1st Floor Area	1,237 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	24,829 sqft (0.57 acres)
Lot Dimensions	125 ft deep x 200 ft wide
Garage Type	Attached
Garage Area	462 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	375 sqft
Deck Area	132 sqft
Patio Area	154 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2718785
Street Address	521 PALMETTO DR
City	MELBOURNE
State	FL
Zip	32935-4216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU111
Legal Description	ATWATERS SUBDIVISION LOTS 4,5
Legal Range	37E
Legal Township	27S
Legal Section	17
Legal Subdivision	ATWATERS SUBDIVISION
Legal Lot Number	4
Jurisdiction	BREVARD FL
Township / Civil Division	MELBOURNE
Census Block Group	3
Census Block	3015
Census Tract	64301

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	Individual Name on Record
Mailing Address	521 PALMETTO DR, MELBOURNE, FL 32935-4216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 23, 2019	Warranty Deed, Transfer · VA Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2019 · Amount on Record
Deed Sale	Dec 23, 2019 · Amount on Record
Prior Sale	Jul 26, 2006 · Amount on Record
Deed Document Number	2019277860
Deed Book / Page	8620 / 2378
Prior Transfer Date	Sep 1, 2004
Prior Transfer Doc	0056764223
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	521 PALMETTO DR, MELBOURNE, FL 32935-4216
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 PALMETTO DR, MELBOURNE, FL 32935-4216

Mortgage

Document Number	0090111187
Date	Feb 10, 2021
Book Page	9011/1187
Instrument	2021033114

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Dec 23, 2019
Property Address	521 PALMETTO DR, MELBOURNE, FL 32935-4216
Document Number	0086202378
Book / Page	8620 / 2378
Map Reference	MB 10 PG 86
Instrument Date	Dec 17, 2019
Instrument	2019277860
Transaction Type	Transfer
Record Updated	Jul 2, 2021
Title Company	ALLIANCE TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1108 SABAL PALM LN, 1108, BAREFOOT BAY, FL 32976-6704

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 372351, SATELLITE BEACH, FL 32937-0351

Mortgage

Document Number	86202379
Date	Dec 23, 2019
Instrument	8620/2379

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Brevard County
Unified School District	Brevard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$237,610 (+11.15%)	$237,610 (+2.67%)
2025	$2,729.00 (+6.89%) Homeowner's exemption Veteran's exemption	$213,770 (+5.98%)	$231,440 (+1.02%)
2024	$2,553.00 (+2%)
2023	$2,503.00 (+7.7%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$201,700 (+3%)	$229,100 (-9.52%) Land $50,600 Building $178,500
2022	$2,324.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$195,830	$253,210 Land $90,000 Building $163,210

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	9 (1995–2008)
Claims Outside the SFHA	9 of 9
Most Recent Claim	Aug 2008 · Tropical Storm Fay
Claims by Event	Tropical Storm Fay, Aug 2008 · 2 claims Hurricane Erin, Aug 1995 · 3 claims

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 96% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 287 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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