Brevard County property record for 523 Andrews Dr, Melbourne Beach, FL 32951
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,135 sqft · built 1964 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $415,000 (Aug 2020) |
| Tax Bill | $5,601 (2025) |
| Deeds & Mortgages | Dec 2022 Second Mortgage Jun 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-38-06-79-J-2 |
| Primary APN | 28-38-06-79-J-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,135 sqft Living Area |
| Gross Area | 2,634 sqft |
| 1st Floor Area | 2,135 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Dimensions | 117 ft deep x 102 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 15 sqft |
| Patio Area | 208 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2847301 |
|---|---|
| Street Address | 523 ANDREWS DR |
| City | MELBOURNE BEACH |
| State | FL |
| Zip | 32951-2157 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1RS |
| Legal Description | RIVER COLONY WEST SECTION, THE LOT 2 BLK J |
| Legal Range | 38E |
| Legal Township | 28S |
| Legal Section | 06 |
| Legal Subdivision | RIVER COLONY WEST SECTION, THE |
| Legal Block | J |
| Legal Lot Number | 2 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | INDIALANTIC-MELBOURNE BEACH |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 66101 |
523 Andrews Dr is owned and occupied by two individuals who bought it in August 2020.
Source: Brevard County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 523 ANDREWS DR, MELBOURNE BEACH, FL 32951-2157 |
| 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 |
|---|---|
| Dec 27, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST FLORIDA CU |
| Jun 22, 2022 | Deed of Trust, Mortgage · Line of Credit FLORIDA CU |
| Aug 17, 2020 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 17, 2020 | Quit Claim Deed, Transfer ATYPICAL TITLE INC |
| May 26, 2017 | Deed of Trust, Mortgage · Line of Credit SPACE COAST CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 17, 2020 · Amount on File |
| Deed Sale | Aug 17, 2020 · Amount on File |
| Deed Document Number | 2020175945 |
| Deed Book / Page | 8826 / 1111 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 523 ANDREWS DR, MELBOURNE BEACH, FL 32951-2157 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 523 ANDREWS DR, MELBOURNE BEACH, FL 32951-2157 |
| Document Number | 0096850645 |
|---|---|
| Date | Dec 27, 2022 |
| Book Page | 9685/645 |
| Instrument | 2022297592 |
| Name | FIRST FLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 19, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 523 ANDREWS DR, MELBOURNE BEACH, FL 32951-2157 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0095392869 |
|---|---|
| Date | Jun 22, 2022 |
| Book Page | 9539/2869 |
| Instrument | 2022155512 |
| Name | FLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | GAINESVILLE, FL 32627 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 21, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Aug 17, 2020 |
| Property Address | 523 ANDREWS DR, MELBOURNE BEACH, FL 32951-2157 |
| Document Number | 0088261111 |
| Book / Page | 8826 / 1111 |
| Map Reference | MB 17 PG 55 |
| Instrument Date | Aug 3, 2020 |
| Instrument | 2020175945 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2021 |
| Title Company | ATYPICAL TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,905.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 160 DUVAL ST, 160, MELBOURNE, FL 32951-3815 |
| Name | Verified Name |
|---|---|
| Address | 523 ANDREWS DR, MELBOURNE, FL 32951-2157 |
| Document Number | 88261113 |
|---|---|
| Date | Aug 17, 2020 |
| Instrument | 8826/1113 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Aug 17, 2020 |
| Property Address | 523 ANDREWS DR, MELBOURNE BEACH, FL 32951-2157 |
| Document Number | 0088261109 |
| Book / Page | 008826 / 001109 |
| Instrument Date | Aug 3, 2020 |
| Instrument | 175944 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2020 |
| Title Company | ATYPICAL TITLE INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 160 DUVAL ST MELBOURNE FL 329513815, MELBOURNE, FL 32951-3815 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 523 ANDREWS DR, MELBOURNE BEACH, FL 32951-2157 |
| Document Number | 0079071797 |
| Book / Page | 007907 / 001797 |
| Instrument Date | May 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2017 |
| Name | Verified Name |
|---|---|
| Address | 523 ANDREWS DR MELBOURNE BEACH FL 329512157, MELBOURNE BEACH, FL 32951-2157 |
| Document Number | 0079071797 |
|---|---|
| Date | Jun 6, 2017 |
| Book Page | 007907/001797 |
| Instrument | 118422 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | MELBOURNE, FL 32940 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 5, 2037 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 523 Andrews Dr was $5,601 with a homeowner's exemption, up 2.9% 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 | $415,630 (+2.7%) | $562,140 (+2.54%) | |
| 2025 | $5,601.00 (+2.9%) Homeowner's exemption | $404,710 | $548,240 |
| 2024 | $5,443.00 (+2.37%) | ||
| 2023 | $5,317.00 (+1.78%) Homeowner's exemption | $381,860 (+3%) | $564,880 (+7.56%) Land $330,000 Building $234,880 |
| 2022 | $5,224.00 Homeowner's exemption | $370,740 | $525,190 Land $315,000 Building $210,190 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 523 Andrews Dr 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.
Wildfire risk around 523 Andrews Dr 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 193 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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