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

Brevard County property record for 654 Cedar Side Cir NE, Palm Bay, FL 32905

Property Summary

Property TypeCondominium
Details1,320 sqft · built 1984
Lot Size0.14 acres (6,098 sqft)
Owner2 Individual Names on File
Last Sale$200,000 (May 2026)
Tax Bill$3,285 (2025)
Deeds & MortgagesMay 2026 Sale & Mortgage
Oct 2023 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN28-37-28-00-765.1

Property Details

APN / Parcel Number

Primary APN28-37-28-00-765.1
Alternative APNs
  • 28-37-28-00-00765.1-0000.00
  • 2836630

Interior

Building Area1,320 sqft Living Area

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 2025
Architectural StyleCondo/Apartment
Construction TypeMasonry / Concrete Block
Lot Area6,098 sqft (0.14 acres)
PorchEnclosed Porch

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number2836630
Street Address654 CEDAR SIDE CIR NE
CityPALM BAY
StateFL
Zip32905-5033
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionCEDAR SIDE CONDO PH I UNIT 102 CEDAR SIDE CONDO PH I AS DESC IN ORB 2537 PG 505 AND ALL AMENDMENTS THERETO.
Legal Range37E
Legal Township28S
Legal Section28
Legal SubdivisionCEDAR SIDE A CONDOMINIUM PHASE 1
Legal PhaseI
Legal Block765.1
Legal Lot Number13
Legal Unit102
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 Record2 Individual Names on File
Mailing Address654 CEDAR SIDE CIR NE, PALM BAY, FL 32905-5033
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
May 14, 2026Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Oct 5, 2023Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Apr 27, 2023Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 14, 2026 · Amount on Record
Deed SaleMay 14, 2026 · Amount on Record
Prior SaleOct 5, 2023 · Amount on Record
Deed Document Number202699078
Deed Book / Page10625 / 460
Prior Transfer DateMar 8, 2023
Prior Transfer Doc0097732776
Record UpdatedSep 20, 2026

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateMay 14, 2026
Property Address654 CEDAR SIDE CIR NE, PALM BAY, FL 32905-5033
Document Number0000099078
Book / Page10625 / 460
Instrument DateMay 13, 2026
Instrument2026.99078
Transaction TypeTransfer
Record UpdatedMay 28, 2026
Title CompanyPRESTIGE TITLE/BREVARD LLC, PRESTIGE TITLE OF BREVARD

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$141,400.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address654 CEDAR SIDE CIR NE, PALM BAY, FL 32905-5033

Mortgage

Document Number0000099079,
DateMay 14, 2026
Instrument2026..99079
Lender
NameUNITED WHOLESALE MORTGAGE
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2056
Interest
Rate TypeFixed Rate
Rate6.46%
Initial TypeFixed Rate
Max Rate-1%

October 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateOct 5, 2023
Property Address654 CEDAR SIDE CIR NE, PALM BAY, FL 32905-5033
Document Number0099020871
Book / Page9902 / 871
Map ReferenceMB 2537 PG 505
Instrument DateSep 28, 2023
Instrument2023211314
Transaction TypeTransfer
Record UpdatedOct 23, 2023
Title CompanyPENINSULA SETTLEMENT SERVICES LLC, PENINSULA T&E SVCS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,750.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address608 CEDAR SIDE CIR NE, PALM BAY, FL 32905-5021

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Living Trust
Address654 CEDAR SIDE CIR NE, PALM BAY, FL 32905-5033

Mortgage

Document Number0009902873
DateOct 5, 2023
Instrument9902/873
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 1, 2053

April 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBREVARD FL
Recording DateApr 27, 2023
Property Address654 CEDAR SIDE CIR NE, PALM BAY, FL 32905-5033
Document Number0097732776
Book / Page9773 / 2776
Map ReferenceMB 2537 PG 505
Instrument DateMar 8, 2023
Instrument2023085001
Transaction TypeTransfer
Record UpdatedOct 23, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address608 CEDAR SIDE CIR NE, PALM BAY, FL 32905-5021

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$156,320 (-11.91%)$156,320 (-11.91%)
2025$3,285.00 (+651.72%)$177,460 (-6.23%)$177,460 (-6.23%)
2024$437.00 (-87.5%)
2023$3,496.00 (+10.14%)$189,250 (+13.84%) Building $189,250$189,250 (+13.84%) Building $189,250
2022$3,174.00$166,240 Building $166,240$166,240 Building $166,240

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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