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644 Cedar Side Cir NE, Palm Bay, FL 32905 Property Records

Brevard County property record for 644 Cedar Side Cir NE, Palm Bay, FL 32905

Property Summary

Property TypeCondominium
Details1,063 sqft · built 2006
Lot Size0.07 acres (3,049 sqft)
OwnerIndividual Name on File
Last Sale$40,900 (Aug 2012)
Tax Bill$2,106 (2025)
Deeds & MortgagesJan 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN28-37-28-00-765.Z

Property Details

APN / Parcel Number

Primary APN28-37-28-00-765.Z
Alternative APNs
  • 28-37-28-00-00765.Z-0000.00
  • 2862340

Interior

Building Area1,063 sqft Living Area

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2025
Architectural StyleCondo/Apartment
Construction TypeMasonry / Concrete Block
Lot Area3,049 sqft (0.07 acres)

Location & Zoning

Account Number2862340
Street Address644 CEDAR SIDE CIR NE
CityPALM BAY
StateFL
Zip32905-5033
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionCEDAR SIDE II CONDO UNIT 103D CEDAR SIDE II CONDO AS DESC IN ORB 5410 PG 270 AND ALL AMENDMENTS THERETO
Legal Range37E
Legal Township28S
Legal Section28
Legal SubdivisionCEDAR SIDE 02
Legal Block765.Z
Legal Unit103D
JurisdictionBREVARD FL
Township / Civil DivisionPALM BAY
Census Block Group2
Census Block2009
Census Tract65130

Owner

Source: Brevard County assessment roll, 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 RecordIndividual Name on File
Mailing Address644 CEDAR SIDE CIR NE, PALM BAY, FL 32905-5033
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 8, 2012 · Amount on Record
Deed SaleAug 8, 2012 · Amount on Record
Prior SaleFeb 20, 2012
Deed Document Number2012155552
Deed Book / Page6663 / 234
Record UpdatedSep 20, 2026

January 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateJan 12, 2023
Property Address644 CEDAR SIDE CIR NE, PALM BAY, FL 32905-5033
Document Number0096952011
Book / Page9695 / 2011
Map ReferenceMB 5410 PG 270
Instrument DateJan 12, 2023
Instrument2023007255
Transaction TypeTransfer
Record UpdatedJan 27, 2023
Title CompanyISLAND T&E AGCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,505.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2196 SANFORD RD, WELLS, ME 04090-6450

Transferred To (Grantee/Buyer)

NameVerified Name
Address644 CEDAR SIDE CIR NE, PALM BAY, FL 32905-5033

Mortgage

Document Number0096952013
DateJan 12, 2023
Instrument9695/2013
Lender
NameDYBN FINANCIAL CORP
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyBrevard County
MunicipalityPalm Bay City
Unified School DistrictBrevard County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$137,440 (-12.97%)$137,440 (-12.97%)
2025$2,106.00 (-13.72%) Homeowner's exemption Disabled Person's exemption$157,920 (-6.29%) Building $157,920$157,920 (-6.29%) Building $157,920
2023$2,441.00 (+14.55%)$168,520 (+18.14%) Building $168,520$168,520 (+18.14%) Building $168,520
2022$2,131.00$142,640 Building $142,640$142,640 Building $142,640

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 49 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies49 in force

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 RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Drinking Water

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

Water SystemCITY OF PALM BAY
serves 140,750 people · EPA ID FL3050442
Water SourceGroundwater
Last State InspectionAug 2024
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Jan 2023
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 186 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Wire 3 Holdings
Fiber		10,000 / 10,000
AT&T
Fiber · Fixed Wireless · DSL		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20

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