538 Bernard St, Cocoa, FL 32922 Property Records

Brevard County property record for 538 Bernard St, Cocoa, FL 32922

Property Summary

Property Type	Multi-Family Dwellings
Details	1 bd · 1 ba · 2,094 sqft · built 1948
Lot Size	0.17 acres (7,405 sqft)
Owner	Company Name on Record
Last Sale	$230,000 (Feb 2024)
Tax Bill	$4,520 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Feb 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-36-33-56-2-6`

Property Details

APN / Parcel Number

Primary APN	`24-36-33-56-2-6`
Alternative APNs	`24-36-33-56-00002.0-0006.00` `2426198`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	2,094 sqft Living Area
Gross Area	2,443 sqft
1st Floor Area	2,094 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1990
Architectural Style	Multi-Family
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	145 ft deep x 21 ft wide
Garage Type	Carport
Garage Area	218 sqft
Carport	Carport
Carport Area	218 sqft

Exterior Amenities

Porch	Porch
Porch Area	96 sqft
Patio Area	96 sqft
Utility Building	35 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	2426198
Street Address	538 BERNARD ST
City	COCOA
State	FL
Zip	32922-7412
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	RU17
Legal Description	JOHNSONS SUBD LOT 6 BLK 2
Legal Range	36E
Legal Township	24S
Legal Section	33
Legal Subdivision	JOHNSONS SUBD
Legal Block	2
Legal Lot Number	6
Jurisdiction	BREVARD FL
Township / Civil Division	COCOA-ROCKLEDGE
Census Block Group	1
Census Block	1025
Census Tract	62600

Owner

Source: Brevard County records, as of September 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	6800 NW 39TH AVE, 130, COCONUT CREEK, FL 33073-3203
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage A&D MORTGAGE LLC
Feb 28, 2024	Warranty Deed, Transfer · Balloon Mortgage TAYLOR MADE LENDING LLC
Sep 13, 2021	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2024 · Amount on Record
Deed Sale	Feb 28, 2024 · Amount on Record
Deed Document Number	202440992
Deed Book / Page	10002 / 1708
Prior Transfer Date	Jul 15, 1993
Prior Transfer Doc	3308000135
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	538 BERNARD ST, COCOA, FL 32922-7412
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1811 BARKER ST NE, PALM BAY, FL 32907-2427

Mortgage

Document Number	0105252755
Date	Jan 16, 2026
Book Page	10525/2755
Instrument	2026010291

Lender

Name	A&D MORTGAGE LLC
Type	Mortgage Company
Address	FORT LAUDERDALE, FL 33309

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Feb 28, 2024
Property Address	538 BERNARD ST, COCOA, FL 32922-7412
Document Number	0100021708
Book / Page	10002 / 1708
Map Reference	MB 3 PG 74
Instrument Date	Feb 26, 2024
Instrument	2024040992
Transaction Type	Transfer
Record Updated	Mar 15, 2024
Title Company	INTERNATIONAL TITLE COMPANY, INTERNATIONAL T&E CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	995 BOUGAINVILLEA DR, ROCKLEDGE, FL 32955-2348

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6800 NW 39TH AVE LOT 130, 130, COCONUT CREEK, FL 33073-3203

Mortgage

Document Number	0100021712
Date	Feb 28, 2024
Instrument	10002/1712

Lender

Name	TAYLOR MADE LENDING LLC
Type	Mortgage Company

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BREVARD FL
Recording Date	Sep 13, 2021
Property Address	538 BERNARD ST, COCOA, FL 32922-7412
Document Number	0092552527
Book / Page	9255 / 2527
Map Reference	MB 3 PG 74
Instrument Date	Sep 7, 2021
Instrument	2021238869
Transaction Type	Transfer
Record Updated	Mar 15, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	995 BOUGAINVILLEA DR, ROCKLEDGE, FL 32955-2348

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$230,880 (+18.73%)	$230,880 (+18.73%)
2025	$4,520.00 (+41.16%)	$194,460 (+5.23%)	$194,460 (+5.23%)
2024	$3,202.00 (+4.85%)
2023	$3,054.00 (+41.06%)	$184,800 (+146.3%) Land $6,000 Building $178,800	$184,800 (+146.3%) Land $6,000 Building $178,800
2022	$2,165.00	$75,030 Land $6,000 Building $69,030	$75,030 Land $6,000 Building $69,030

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	9 (1991–2017)
Claims Outside the SFHA	9 of 9
Most Recent Claim	Oct 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Oct 2017 · 3 claims Tropical Storm Fay, Aug 2008 · 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	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.

Drinking Water

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

Water System	CITY OF COCOA serves 294,039 people · EPA ID FL3050223
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	2 ppb (2022) 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 327 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

Nearby Properties on Bernard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures