644 Charles Dr, Melbourne, FL 32935 Property Records

Brevard County property record for 644 Charles Dr, Melbourne, FL 32935

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,092 sqft · built 1957
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$24,000 (May 2018)
Tax Bill	$475 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Apr 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`27-37-28-02-N-15`

Property Details

APN / Parcel Number

Primary APN	`27-37-28-02-N-15`
Alternative APNs	`27-37-28-02-0000N.0-0015.00` `2728630`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,092 sqft Living Area
Gross Area	1,540 sqft
1st Floor Area	1,092 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1986
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	113 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	364 sqft
Porch	Finished/Open Porch
Porch Area	84 sqft
Patio Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2728630
Street Address	644 CHARLES DR
City	MELBOURNE
State	FL
Zip	32935-6409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1AA
Legal Description	ALMAR SUBD SEC B LOT 15 BLK N
Legal Range	37E
Legal Township	27S
Legal Section	28
Legal Subdivision	ALMAR SUBD SEC B
Legal Block	N
Legal Lot Number	15
Jurisdiction	BREVARD FL
Township / Civil Division	MELBOURNE
Census Block Group	2
Census Block	2012
Census Tract	64201

Owner

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	Individual Name on File
Mailing Address	644 CHARLES DR, MELBOURNE, FL 32935-6409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage METROPOLITAN HOME MORTGAGE INC
Apr 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
May 17, 2018	Quit Claim Deed, Transfer EXPRESS L C L SERVICES, EXPRESS L C L SVCS
May 11, 2018	Quit Claim Deed, Transfer EXPRESS L C L SERVICES
Mar 5, 2018	Quit Claim Deed, Transfer EXPRESS L C L SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2018 · Amount on File
Deed Sale	May 17, 2018 · Amount on File
Prior Sale	Sep 5, 2014 · Amount on File
Deed Document Number	2018111578
Deed Book / Page	8167 / 215
Prior Transfer Date	May 11, 2018
Prior Transfer Doc	0081612929
Record Updated	Sep 20, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	644 CHARLES DR, MELBOURNE, FL 32935-6409
Transaction Type	Mortgage
Record Updated	Jul 27, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0081782057
Date	Jun 1, 2018
Book Page	8178/2057
Instrument	2018123316

Lender

Name	METROPOLITAN HOME MORTGAGE INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2048

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	644 CHARLES DR, MELBOURNE, FL 32935-6409
Transaction Type	Mortgage
Record Updated	Jul 27, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 CHARLES DR, MELBOURNE, FL 32935-6409

Mortgage

Document Number	0094801490
Date	Apr 19, 2022
Book Page	9480/1490
Instrument	2022098471

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BREVARD FL
Recording Date	May 17, 2018
Property Address	644 CHARLES DR, MELBOURNE, FL 32935-6409
Document Number	0081670215
Book / Page	008167 / 000215
Instrument Date	May 17, 2018
Instrument	111578
Transaction Type	Transfer
Record Updated	Jun 1, 2018
Title Company	EXPRESS L C L SERVICES, EXPRESS L C L SVCS

Transaction

Amount	Amount on Record
Tax	$168.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 CHARLES DR MELBOURNE FL 329356409, MELBOURNE, FL 32935-6409

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BREVARD FL
Recording Date	May 11, 2018
Property Address	644 CHARLES DR, MELBOURNE, FL 32935-6409
Document Number	0081612929
Book / Page	008161 / 002929
Instrument Date	May 11, 2018
Instrument	106346
Transaction Type	Transfer
Record Updated	Jun 1, 2018
Title Company	EXPRESS L C L SERVICES

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 CHARLES DR MELBOURNE FL 329356409, MELBOURNE, FL 32935-6409

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BREVARD FL
Recording Date	Mar 5, 2018
Property Address	644 CHARLES DR, MELBOURNE, FL 32935-6409
Document Number	0081050333
Book / Page	008105 / 000333
Instrument Date	Mar 1, 2018
Instrument	47860
Transaction Type	Transfer
Record Updated	Mar 21, 2018
Title Company	EXPRESS L C L SERVICES

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	644 CHARLES DR MELBOURNE FL 329356409, MELBOURNE, FL 32935-6409

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$46,490 (+2.69%)	$137,730 (-7.83%)
2025	$475.00 (+7.71%) Homeowner's exemption	$45,270 (+5.97%)	$149,430 (+1.05%)
2024	$441.00 (+5.25%)
2023	$419.00 (+7.99%) Homeowner's exemption	$42,720 (+2.99%)	$147,870 (+10.92%) Land $90,000 Building $57,870
2022	$388.00 Homeowner's exemption	$41,480	$133,310 Land $80,000 Building $53,310

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	2 (1999–2008)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2008 · Tropical Storm Fay

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 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.

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 202 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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