786 James Cir NE, Palm Bay, FL 32905 Property Records

Brevard County property record for 786 James Cir NE, Palm Bay, FL 32905

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,432 sqft · built 1988
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Mar 2023)
Tax Bill	$4,087 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-37-25-FO-*-B.01`

Property Details

APN / Parcel Number

Primary APN	`28-37-25-FO-*-B.01`
Alternative APNs	`28-37-25-FO-00000.0-000B.01` `2851596`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,432 sqft Living Area
Gross Area	2,195 sqft
1st Floor Area	1,432 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Florida Room
Porch Area	301 sqft
Patio Area	21 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2851596
Street Address	786 JAMES CIR NE
City	PALM BAY
State	FL
Zip	32905-5612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS2
Legal Description	PORT MALABAR UNIT 4 PART OF TRACT B AS DESC IN ORB 2927 PG 0627 EXC N 91 FT
Legal Range	37E
Legal Township	28S
Legal Section	25
Legal Subdivision	PORT MALABAR UNIT 4
Legal Tract	B
Legal Lot Number	B
Legal Unit	4
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	3
Census Block	3000
Census Tract	65201

Owner

786 James Cir NE is owned and occupied by two individuals who bought it in March 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	786 JAMES CIR NE, PALM BAY, FL 32905-5612
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2023 · Amount on File
Deed Sale	Mar 24, 2023 · Amount on File
Prior Sale	Dec 31, 2008 · Amount on File
Deed Document Number	202358446
Deed Book / Page	9746 / 2046
Record Updated	Sep 20, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Mar 24, 2023
Property Address	786 JAMES CIR NE, PALM BAY, FL 32905-5612
Document Number	0097462046
Book / Page	9746 / 2046
Map Reference	MB 14 PG 18-23
Instrument Date	Mar 20, 2023
Instrument	2023058446
Transaction Type	Transfer
Record Updated	Apr 7, 2023
Title Company	THE TITLE PLACE INC, THE CLOSING PLACE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	726 JAMES CIR NE, PALM BAY, FL 32905-5612

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	786 JAMES CIR NE, PALM BAY, FL 32905-5612

Mortgage

Document Number	0097462048
Date	Mar 24, 2023
Instrument	9746/2048

Lender

Name	LEGENDARY HOME LOANS LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 786 James Cir NE was $4,087 with a homeowner's exemption.

Source: Brevard County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Brevard County
Municipality	Palm Bay City
Unified School District	Brevard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$260,840 (-1.17%)	$260,840 (-1.17%)
2025	$4,087.00 Homeowner's exemption	$263,930	$263,930
2023	$66.00 (+6.45%)	$241,640 (+9.22%) Land $36,750 Building $204,890	$241,640 (+9.22%) Land $36,750 Building $204,890
2022	$62.00	$221,240 Land $36,750 Building $184,490	$221,240 Land $36,750 Building $184,490

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

Flood

FEMA maps place 786 James Cir NE in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1999.

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 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	10 (1999–2017)
Claims Outside the SFHA	7 of 10
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 5 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

Wildfire risk around 786 James Cir NE is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 401 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 / 1,000
Verizon Fixed Wireless	300 / 20