Brevard County property record for 705 James Cir NE, Palm Bay, FL 32905
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,215 sqft · built 1969 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $145,000 (Aug 2018) |
| Tax Bill | $1,419 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-37-25-FO-55-2 |
| Primary APN | 28-37-25-FO-55-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,215 sqft Living Area |
| Gross Area | 1,592 sqft |
| 1st Floor Area | 1,215 sqft |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 125 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 228 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 93 sqft |
| Patio Area | 93 sqft |
| Utility Building | 56 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2833228 |
|---|---|
| Street Address | 705 JAMES CIR NE |
| City | PALM BAY |
| State | FL |
| Zip | 32905-5611 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS2 |
| Legal Description | PORT MALABAR UNIT 4 NELY 50 FT OF LOT 2 & SWLY 40 FT OF LOT 3 ALSO KNOWN AS PAR B BLK 55 |
| Legal Range | 37E |
| Legal Township | 28S |
| Legal Section | 25 |
| Legal Subdivision | PORT MALABAR UNIT 4 |
| Legal Block | 55 |
| Legal Lot Number | 2 |
| Legal Unit | 4 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | PALM BAY |
| Census Block Group | 4 |
| Census Block | 4026 |
| Census Tract | 65201 |
705 James Cir NE is owned and occupied by two individuals who bought it in August 2018.
Source: Brevard County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 705 JAMES CIR NE, PALM BAY, FL 32905-5611 |
| 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.
| Date | Document |
|---|---|
| Jun 22, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Aug 30, 2018 | Warranty Deed, Transfer · FHA Mortgage CHRISTENSEN FINANCIAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 30, 2018 · Amount on File |
| Deed Sale | Aug 30, 2018 · Amount on File |
| Prior Sale | Apr 1, 2003 · Amount on File |
| Deed Document Number | 2018195715 |
| Deed Book / Page | 8250 / 2242 |
| Prior Transfer Date | Jan 8, 2009 |
| Prior Transfer Doc | 0230950740 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 705 JAMES CIR NE, PALM BAY, FL 32905-5611 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2023 |
| Name | Verified Name |
|---|---|
| Address | 705 JAMES CIR NE, PALM BAY, FL 32905-5611 |
| Document Number | 0098190623 |
|---|---|
| Date | Jun 22, 2023 |
| Book Page | 9819/623 |
| Instrument | 2023129864 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Aug 30, 2018 |
| Property Address | 705 JAMES CIR NE, PALM BAY, FL 32905-5611 |
| Document Number | 0082502242 |
| Book / Page | 8250 / 2242 |
| Map Reference | MB 14 PG 18-23 |
| Instrument Date | Aug 28, 2018 |
| Instrument | 2018195715 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2021 |
| Title Company | ALLIANCE TITLE INSURANCE AGE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,015.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 142 26 231 ST ST, 142, QUEENS, NY 11413 |
| Name | Verified Name |
|---|---|
| Address | 705 JAMES CIR NE, PALM BAY, FL 32905-5611 |
| Document Number | 2018195716 |
|---|---|
| Date | Aug 30, 2018 |
| Instrument | 2018195716 |
| Name | CHRISTENSEN FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
The 2025 property tax bill for 705 James Cir NE was $1,419 with a homeowner's exemption, up 3.1% from the year before.
Source: Brevard County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Brevard County |
| Municipality | Palm Bay City |
| Unified School District | Brevard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $119,440 (+2.7%) | $179,610 (-1.11%) | |
| 2025 | $1,419.00 (+3.13%) Homeowner's exemption | $116,300 | $181,630 |
| 2024 | $1,376.00 (+3.46%) | ||
| 2023 | $1,330.00 (+5.98%) Homeowner's exemption | $109,740 (+2.99%) | $188,030 (+14.49%) Land $35,000 Building $153,030 |
| 2022 | $1,255.00 Homeowner's exemption | $106,550 | $164,230 Land $35,000 Building $129,230 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 705 James Cir NE in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 18 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 18 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 risk around 705 James Cir NE is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF PALM BAY serves 140,750 people · EPA ID FL3050442 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jan 2023 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 203 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 |
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