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

Brevard County property record for 789 James Cir NE, Palm Bay, FL 32905

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,520 sqft · built 1968
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$61,500 (Dec 1998)
Tax Bill	$346 (2025)
Deeds & Mortgages	Jul 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`28-37-25-FO-55-22`

Property Details

APN / Parcel Number

Primary APN	`28-37-25-FO-55-22`
Alternative APNs	`28-37-25-FO-00055.0-0022.00` `2833244`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,520 sqft Living Area
Gross Area	2,124 sqft
1st Floor Area	1,520 sqft

Exterior

Year Built	Built 1968
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	Carport
Garage Area	370 sqft
Carport	Carport
Carport Area	370 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	48 sqft
Patio Area	52 sqft
Utility Building	105 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2833244
Street Address	789 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 LOT 22 & N 15 FT OF LOT 23 ALSO KNOWN AS PAR R BLK 55
Legal Range	37E
Legal Township	28S
Legal Section	25
Legal Subdivision	PORT MALABAR UNIT 4
Legal Block	55
Legal Lot Number	22
Legal Unit	4
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	4
Census Block	4026
Census Tract	65201

Owner

789 James Cir NE is owned and occupied by an individual who bought it in December 1998.

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

Owner of Record	Individual Name on File
Mailing Address	789 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 1998 · Amount on File
Deed Sale	Dec 2, 1998 · Amount on File
Deed Book / Page	3932 / 2051
Record Updated	Sep 20, 2026

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BREVARD FL
Property Address	789 JAMES CIR NE, PALM BAY, FL 32905-5611
Document Number	0082392234
Instrument Date	Jul 31, 2018
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	789 JAMES CIR NE PALM BAY FL 329055611, PALM BAY, FL 32905-5611

Mortgage

Document Number	0082392234
Date	Aug 16, 2018
Book Page	008239/002234
Instrument	184628

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 15, 2048

Interest

Rate	4.75%

Tax Assessment & Valuation

The 2025 property tax bill for 789 James Cir NE was $346 with exemptions applied.

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		$46,380 (+2.68%)	$194,840 (+0.97%)
2025	$346.00 Homeowner's exemption Widower's exemption	$45,170	$192,970 Land $70,000 Building $122,970
2023	$300.00 (-16.2%) Homeowner's exemption Widower's exemption	$42,630 (+3%)	$200,160 (+16.01%) Land $35,000 Building $165,160
2022	$358.00 Homeowner's exemption Widower's exemption	$41,390	$172,530 Land $35,000 Building $137,530

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

Flood

FEMA maps place 789 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

Wildfire risk around 789 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