Brevard County property record for 522 Ocean Ave, Melbourne Beach, FL 32951
| Property Type | Restaurant |
|---|---|
| Details | 6,515 sqft · built 1900 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Company Name on File |
| Tax Bill | $12,084 (2025) |
| Deeds & Mortgages | Dec 2019 Loan Modification Jul 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-38-07-01-3-12.01 |
| Primary APN | 28-38-07-01-3-12.01 |
|---|---|
| Alternative APNs |
|
| Units | 2 Units |
|---|---|
| Stories | 2 Stories |
| Building Area | 6,515 sqft Gross Area |
| 1st Floor Area | 5,474 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Flat |
| Roof Material | Built-Up Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Width | 170 ft Width |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 88 sqft |
| Deck Area | 391 sqft |
| Patio Area | 381 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2847669 |
|---|---|
| Street Address | 522 OCEAN AVE |
| City | MELBOURNE BEACH |
| State | FL |
| Zip | 32951-2524 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Restaurant |
| Local Zoning Code | 8B |
| Legal Description | HENRY WHITINGS MELBOURNE BCH S 20 FT OF LOT 12 & ALL LOT 18 BLK 3 |
| Legal Range | 38E |
| Legal Township | 28S |
| Legal Section | 07 |
| Legal Subdivision | HENRY WHITINGS MELBOURNE BCH |
| Legal Block | 3 |
| Legal Lot Number | 12 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | INDIALANTIC-MELBOURNE BEACH |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 66101 |
522 Ocean Ave, a commercial property, is owned by a company.
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 | Company Name on File |
|---|---|
| Mailing Address | 249 5TH AVE, INDIALANTIC, FL 32903-3155 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Dec 27, 2019 | Loan Modification, Mortgage BANK OF AMERICA |
| Jul 2, 2019 | Grant Deed, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 522 OCEAN AVE, MELBOURNE BEACH, FL 32951-2524 |
| Document Number | 0086240535 |
| Instrument Date | Dec 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2020 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 522 OCEAN AVE MELBOURNE BEACH FL 329512524, MELBOURNE BEACH, FL 32951-2524 |
| Document Number | 0086240535 |
|---|---|
| Date | Dec 27, 2019 |
| Book Page | 008624/000535 |
| Instrument | 280672 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | 101 N TRYON ST, CHARLOTTE, NC 28246-0100 |
| Amount | Amount on Record |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Jul 2, 2019 |
| Property Address | 522 OCEAN AVE, MELBOURNE BEACH, FL 32951-2524 |
| Document Number | 0084781902 |
| Book / Page | 008478 / 001902 |
| Instrument Date | Jul 1, 2019 |
| Instrument | 144062 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 522 OCEAN AVENUE MELBOURNE MELBOURNE BEACH FL 32951, MELBOURNE BEACH, FL 32951 |
| Document Number | 84781902 |
|---|---|
| Date | Jul 2, 2019 |
| Book Page | 008478/001902 |
| Instrument | 144062 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | 101 N TRYON, CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 522 Ocean Ave was $12,084.
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 | $769,810 (+2.53%) | $769,810 (+2.53%) | |
| 2025 | $12,084.00 | $750,800 Land $147,900 Building $602,900 | $750,800 Land $147,900 Building $602,900 |
| 2023 | $10,313.00 (+10.44%) | $629,620 (+15.69%) Land $147,900 Building $481,720 | $629,620 (+15.69%) Land $147,900 Building $481,720 |
| 2022 | $9,338.00 | $544,220 Land $147,900 Building $396,320 | $544,220 Land $147,900 Building $396,320 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 522 Ocean Ave in Zone X, an area of minimal flood risk, within 500 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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 162 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 162 in force |
| Nearby Flood Claims | 40 (1979–2022) |
| Claims Outside the SFHA | 39 of 40 |
| Most Recent Claim | Apr 2022 · rainfall accumulation |
| 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.
The area around 522 Ocean Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 125 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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