644 Spring Lake Dr, Melbourne, FL 32940 Property Records

Brevard County property record for 644 Spring Lake Dr, Melbourne, FL 32940

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,391 sqft · built 1988
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Nov 2019)
Tax Bill	$5,004 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-36-14-NL-2-10`

Property Details

APN / Parcel Number

Primary APN	`26-36-14-NL-2-10`
Alternative APNs	`26-36-14-NL-00002.0-0010.00` `2603638`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,391 sqft Living Area
Gross Area	3,656 sqft
1st Floor Area	1,743 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	16,553 sqft (0.38 acres)
Lot Dimensions	209 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	635 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	721 sqft
Deck Area	763 sqft
Patio Area	847 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2603638
Street Address	644 SPRING LAKE DR
City	MELBOURNE
State	FL
Zip	32940-1959
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	SUNTREE P.U.D. STAGE 5 TRACT 55 LOT 10 BLK 2
Legal Range	36E
Legal Township	26S
Legal Section	14
Legal Subdivision	SUNTREE P.U.D. STAGE 5 TRACT 55
Legal Tract	55
Legal Block	2
Legal Lot Number	10
Jurisdiction	BREVARD FL
Township / Civil Division	MELBOURNE
Census Block Group	3
Census Block	3006
Census Tract	64128

Owner

Source: Brevard County records, 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 Record	2 Individual Names on Record
Mailing Address	644 SPRING LAKE DR, MELBOURNE, FL 32940-1959
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2019 · Amount on Record
Deed Sale	Nov 26, 2019 · Amount on Record
Deed Document Number	2019257916
Deed Book / Page	8598 / 2066
Record Updated	Sep 20, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Nov 26, 2019
Property Address	644 SPRING LAKE DR, MELBOURNE, FL 32940-1959
Document Number	0085982066
Book / Page	8598 / 2066
Map Reference	MB 32 PG 48-50
Instrument Date	Nov 15, 2019
Instrument	2019257916
Transaction Type	Transfer
Record Updated	Jul 2, 2021
Title Company	PRESTIGE TTL OF BREVARD LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3260 N HARBOR CITY BLVD # BLVDA-302, 3260, MELBOURNE, FL 32935-6203

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 SPRING LAKE DR, MELBOURNE, FL 32940-1959

Mortgage

Document Number	2019257917
Date	Nov 26, 2019
Instrument	2019257917

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$387,280 (+2.7%)	$511,390 (-2.1%)
2025	$5,004.00 (+11.57%) Homeowner's exemption	$377,100 (+9.03%)	$522,340 (+0.18%) Land $110,000 Building $412,340
2023	$4,485.00 (+7.3%) Homeowner's exemption	$345,870 (+3%)	$521,390 (+4.47%) Land $115,000 Building $406,390
2022	$4,180.00 Homeowner's exemption	$335,800	$499,060 Land $130,000 Building $369,060

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
Flood Insurance Cost	Premium on Record median of 258 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	258 in force
Nearby Flood Claims	20 (1995–2026)
Claims Outside the SFHA	9 of 20
Most Recent Claim	Jun 2026 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims Tropical Storm Fay, Aug 2008 · 7 claims Hurricane Frances, Sep 2004 · 2 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	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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 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 240 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20