645 Apache Trl, Merritt Island, FL 32953 Property Records

Brevard County property record for 645 Apache Trl, Merritt Island, FL 32953

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,539 sqft · built 1993
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$465,000 (Jul 2020)
Tax Bill	$6,313 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-36-34-51-A-18`

Property Details

APN / Parcel Number

Primary APN	`23-36-34-51-A-18`
Alternative APNs	`23-36-34-51-0000A.0-0018.00` `2318554`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,539 sqft Living Area
Gross Area	4,540 sqft
1st Floor Area	1,339 sqft
Upper Floors Area	844 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)
View / Lot	Lake Front
Garage Type	Attached
Garage Area	480 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	647 sqft
Deck Area	932 sqft
Balcony Area	844 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2318554
Street Address	645 APACHE TRL
City	MERRITT ISLAND
State	FL
Zip	32953-7808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EU
Legal Description	INDIAN BAY ESTATES PH II STAGE 2 LOT 18 BLK A
Legal Range	36E
Legal Township	23S
Legal Section	34
Legal Subdivision	INDIAN BAY ESTATES PH II STAGE 2
Legal Phase	II
Legal Block	A
Legal Lot Number	18
Jurisdiction	BREVARD FL
Township / Civil Division	MERRITT ISLAND
Census Block Group	1
Census Block	1007
Census Tract	69904

Owner

645 Apache Trl is owned and occupied by two individuals who bought it in July 2020.

Source: Brevard County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	645 APACHE TRL, MERRITT ISLAND, FL 32953-7808
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jul 15, 2020	Warranty Deed, Transfer · Conventional Mortgage TRUSTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2020 · Amount on File
Deed Sale	Jul 15, 2020 · Amount on File
Deed Document Number	2020150682
Deed Book / Page	8795 / 2765
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	645 APACHE TRL, MERRITT ISLAND, FL 32953-7808
Transaction Type	Mortgage
Record Updated	Sep 20, 2021
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 APACHE TRL, MERRITT ISLAND, FL 32953-7808

Mortgage

Document Number	0092461137
Date	Sep 2, 2021
Book Page	9246/1137
Instrument	2021230621

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Jul 15, 2020
Property Address	645 APACHE TRL, MERRITT ISLAND, FL 32953-7808
Document Number	0087952765
Book / Page	8795 / 2765
Map Reference	MB 36 PG 81
Instrument Date	Jul 14, 2020
Instrument	2020150682
Transaction Type	Transfer
Record Updated	Jul 2, 2021
Title Company	ISLAND T&E AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,255.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	861 N INDIAN RIVER DR, 861, COCOA, FL 32922-7530

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 APACHE TRL, MERRITT ISLAND, FL 32953-7808

Mortgage

Document Number	87952767
Date	Jul 15, 2020
Instrument	8795/2767

Lender

Name	TRUSTBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 24, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 645 Apache Trl was $6,313 with a homeowner's exemption.

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		$491,060 (+0.25%)	$491,060 (+0.25%)
2025	$6,313.00 Homeowner's exemption	$489,840 Land $155,000 Building $334,840	$489,840 Land $155,000 Building $334,840
2023	$6,126.00 (+6.87%) Homeowner's exemption	$480,310 (+3%)	$537,940 (+15.2%) Land $130,000 Building $407,940
2022	$5,732.00 Homeowner's exemption	$466,330	$466,960 Land $130,000 Building $336,960

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 645 Apache Trl in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 101 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	101 in force
Nearby Flood Claims	8 (2008–2025)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Oct 2025 · rainfall accumulation

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

Wildfire risk around 645 Apache Trl is moderate, ranking above 50% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Apache Trl

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