655 Indian River Dr, Melbourne, FL 32935 Property Records

Brevard County property record for 655 Indian River Dr, Melbourne, FL 32935

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,243 sqft · built 2007
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Sep 1996)
Tax Bill	$13,982 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-37-22-EM-16-16`

Property Details

APN / Parcel Number

Primary APN	`27-37-22-EM-16-16`
Alternative APNs	`27-37-22-EM-00016.0-0016.00` `2725412`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,243 sqft Living Area
Gross Area	6,312 sqft
1st Floor Area	3,263 sqft
Upper Floors Area	210 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	24,829 sqft (0.57 acres)
Lot Dimensions	125 ft deep x 100 ft wide
View / Lot	River
Garage Type	Attached
Garage Area	921 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	938 sqft
Deck Area	600 sqft
Patio Area	602 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2725412
Street Address	655 INDIAN RIVER DR
City	MELBOURNE
State	FL
Zip	32935-6936
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1AA
Legal Description	LOVERIDGE HEIGHTS SUBD LOT 16 BLK 16
Legal Range	37E
Legal Township	27S
Legal Section	22
Legal Subdivision	LOVERIDGE HEIGHTS SUBD
Legal Block	16
Legal Lot Number	16
Jurisdiction	BREVARD FL
Township / Civil Division	MELBOURNE
Census Block Group	1
Census Block	1017
Census Tract	64201

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	655 INDIAN RIVER DR, MELBOURNE, FL 32935-6936
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage UBS BANK USA
Aug 3, 2017	Deed of Trust, Mortgage SUNTRUST MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 1996 · Amount on Record
Deed Sale	Sep 5, 1996 · Amount on Record
Deed Book / Page	3602 / 3053
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	655 INDIAN RIVER DR, MELBOURNE, FL 32935-6936
Transaction Type	Mortgage
Record Updated	Oct 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 INDIAN RIVER DR, MELBOURNE, FL 32935-6936

Mortgage

Document Number	0092750068
Date	Sep 29, 2021
Book Page	9275/68
Instrument	2021254907

Lender

Name	UBS BANK USA
Type	Bank
Address	SALT LAKE CITY, UT 84111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Oct 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.62%
Index	Other
Margin	3
Max Rate	12.6%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	655 INDIAN RIVER DR, MELBOURNE, FL 32935-6936
Document Number	0079572377
Book / Page	007957 / 002377
Instrument Date	Aug 3, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2017
Title Company	BOSTON NATIONAL TITLE LLC, BOSTON NAT'L TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	655 INDIAN RIVER DR MELBOURNE FL 329356936, MELBOURNE, FL 32935-6936

Mortgage

Document Number	0079572377
Date	Aug 10, 2017
Book Page	007957/002377
Instrument	167448

Lender

Name	SUNTRUST MTG
Type	Mortgage Company
Address	901 SEMMES AVE, RICHMOND, VA 23224-2270

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 9, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.36%

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		$848,250 (+2.7%)	$1,500,350 (+2.19%)
2025	$13,982.00 (+7.55%) Homeowner's exemption	$825,950 (+5.98%)	$1,468,130 (+0.34%) Land $496,800 Building $971,330
2023	$13,000.00 (+5.43%) Homeowner's exemption	$779,310 (+3%)	$1,463,100 (+8.72%) Land $496,800 Building $966,300
2022	$12,331.00 Homeowner's exemption	$756,620	$1,345,750 Land $496,800 Building $848,950

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 44 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	44 in force
Nearby Flood Claims	14 (1995–2017)
Claims Outside the SFHA	6 of 14
Most Recent Claim	Oct 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Oct 2017 · 2 claims Tropical Storm Fay, Aug 2008 · 2 claims Hurricane Frances, Sep 2004 · 4 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	Not rated no burnable land within 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 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile.

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