Brevard County property record for 657 Spring Lake Dr, Melbourne, FL 32940
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,105 sqft · built 1989 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on File |
| Last Sale | $500,000 (Feb 2016) |
| Tax Bill | $8,651 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Jan 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-36-14-NL-1-17 |
| Primary APN | 26-36-14-NL-1-17 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,105 sqft Living Area |
| Gross Area | 4,484 sqft |
| 1st Floor Area | 2,473 sqft |
| Upper Floors Area | 200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 13,504 sqft (0.31 acres) |
| Lot Dimensions | 117 ft deep x 115 ft wide |
| View / Lot | Golf Course |
| Garage Type | Attached |
| Garage Area | 813 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 366 sqft |
| Deck Area | 594 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2603581 |
|---|---|
| Street Address | 657 SPRING LAKE DR |
| City | MELBOURNE |
| State | FL |
| Zip | 32940-1957 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | SUNTREE P.U.D. STAGE 5 TRACT 55 LOT 17 BLK 1 & PT OF SE 1/4 AS DESC IN ORB 2981 PG 4729 |
| Legal Range | 36E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | SUNTREE P.U.D. STAGE 5 TRACT 55 |
| Legal Tract | 55 |
| Legal Block | 1 |
| Legal Lot Number | 17 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | MELBOURNE |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 64128 |
Source: Brevard County records · APN 26-36-14-NL-1-17
Assessment roll updated August 18, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 657 SPRING LAKE DR, MELBOURNE, FL 32940-1957 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 14, 2022 | Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB |
| Jan 25, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Mar 26, 2019 | Deed of Trust, Mortgage · Line of Credit FLAGSTAR BK |
| Aug 02, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 22, 2016 · Amount on Record |
| Deed Sale | Feb 22, 2016 · Amount on Record |
| Prior Sale | Jun 20, 2007 · Amount on Record |
| Deed Document Number | 201631299 |
| Deed Book / Page | 7553 / 1203 |
| Last Transfer Date | Jan 18, 2022 |
| Transfer Doc | 0093941289 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 657 SPRING LAKE DR, MELBOURNE, FL 32940-1957 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 657 SPRING LAKE DR, MELBOURNE, FL 32940-1957 |
| Document Number | 0095330595 |
|---|---|
| Date | Jun 14, 2022 |
| Book Page | 9533/595 |
| Instrument | 2022148667 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Jan 25, 2022 |
| Property Address | 657 SPRING LAKE DR, MELBOURNE, FL 32940-1957 |
| Document Number | 0093941289 |
| Book / Page | 9394 / 1289 |
| Map Reference | MB 32 PG 48-50 |
| Instrument Date | Jan 18, 2022 |
| Instrument | 2022019115 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | MORTGAGE CONNECT LP |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 657 SPRING LAKE DR, MELBOURNE, FL 32940-1957 |
| Document Number | 0093941293 |
|---|---|
| Date | Jan 25, 2022 |
| Instrument | 9394/1293 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 657 SPRING LAKE DR, MELBOURNE, FL 32940-1957 |
| Document Number | 0084051295 |
| Instrument Date | Mar 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 657 SPRING LAKE DR MELBOURNE FL 329401957, MELBOURNE, FL 32940-1957 |
| Document Number | 0084051295 |
|---|---|
| Date | Apr 03, 2019 |
| Book Page | 008405/001295 |
| Instrument | 68401 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098-2639 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 02, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 657 SPRING LAKE DR, MELBOURNE, FL 32940-1957 |
| Document Number | 0079552067 |
| Book / Page | 007955 / 002067 |
| Instrument Date | Aug 02, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 657 SPRING LAKE DR MELBOURNE FL 329401957, MELBOURNE, FL 32940-1957 |
| Document Number | 0079552067 |
|---|---|
| Date | Aug 08, 2017 |
| Book Page | 007955/002067 |
| Instrument | 165415 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098-2639 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 07, 2032 |
Source: Brevard County records · Assessment roll updated August 18, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Brevard County |
| Unified School District | Brevard County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $658,680 (-1.85%) | $658,680 (-1.85%) | |
| 2025 | $8,651.00 (+2.71%) Homeowner's exemption | $671,100 (+2.59%) | $671,100 (-0.2%) |
| 2024 | $8,423.00 (+1.29%) | ||
| 2023 | $8,316.00 (+7.23%) Homeowner's exemption | $654,160 (+3%) | $672,430 (+5.88%) Land $126,500 Building $545,930 |
| 2022 | $7,755.00 Homeowner's exemption | $635,110 Land $143,000 Building $492,110 | $635,110 Land $143,000 Building $492,110 |
Source: FEMA National Flood Hazard Layer as of October 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| 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 |
|
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 240 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF COCOA serves 294,039 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | 2 ppb (2022) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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