810 Wateroak Dr NE, Palm Bay, FL 32905 Property Records

Brevard County property record for 810 Wateroak Dr NE, Palm Bay, FL 32905

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 928 sqft · built 1989
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$158,000 (Feb 2021)
Tax Bill	$3,738 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-37-27-NO-3049-2`

Property Details

APN / Parcel Number

Primary APN	`28-37-27-NO-3049-2`
Alternative APNs	`28-37-27-NO-03049.0-0002.00` `2835395`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	928 sqft Living Area
Gross Area	1,197 sqft
1st Floor Area	928 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	94 ft deep x 45 ft wide
View / Lot	Conservation / Protected Area
Garage Type	Attached
Garage Area	260 sqft
Porch	Finished/Open Porch
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2835395
Street Address	810 WATEROAK DR NE
City	PALM BAY
State	FL
Zip	32905-4689
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	PORT MALABAR UNIT 59 LOT 2 BLK 3049
Legal Range	37E
Legal Township	28S
Legal Section	27
Legal Subdivision	PORT MALABAR UNIT 59
Legal Block	3049
Legal Lot Number	2
Legal Unit	59
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	2
Census Block	2002
Census Tract	65129

Owner

810 Wateroak Dr NE is owned and occupied by an individual who bought it in February 2021.

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

Owner of Record	Individual Name on File
Mailing Address	810 WATEROAK DR NE, PALM BAY, FL 32905-4689
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	Feb 4, 2021 · Amount on File
Deed Sale	Feb 4, 2021 · Amount on File
Prior Sale	Sep 8, 2014 · Amount on File
Deed Document Number	202128300
Deed Book / Page	9005 / 722
Prior Transfer Date	Apr 10, 1996
Prior Transfer Doc	3562001259
Record Updated	Sep 20, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Feb 4, 2021
Property Address	810 WATEROAK DR NE, PALM BAY, FL 32905-4689
Document Number	0090050722
Book / Page	9005 / 722
Map Reference	MB 32 PG 78-88
Instrument Date	Feb 3, 2021
Instrument	2021028300
Transaction Type	Transfer
Record Updated	Jul 2, 2021
Title Company	SUPREME TITLE CLOSINGS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,106.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17604 LAKE PARK RD, 17604, BOCA RATON, FL 33487-1113

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 WATEROAK DR NE, PALM BAY, FL 32905-4689

Mortgage

Document Number	9005724
Date	Feb 4, 2021
Instrument	9005/724

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 810 Wateroak Dr NE was $3,738 with a homeowner's exemption, up 2% from the year before.

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		$178,140 (-2.6%)	$178,140 (-7.67%)
2025	$3,738.00 (+1.96%) Homeowner's exemption	$182,900	$192,930
2024	$3,666.00 (+1.78%)
2023	$3,602.00 (+3.12%) Homeowner's exemption	$172,580 (+3%)	$189,740 (+13.24%) Land $42,500 Building $147,240
2022	$3,493.00 Homeowner's exemption	$167,560 Land $35,000 Building $132,560	$167,560 Land $35,000 Building $132,560

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

Flood

FEMA maps place 810 Wateroak Dr NE in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2020.

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 49 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	49 in force
Nearby Flood Claims	2 (2020–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2024 · rainfall accumulation

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 810 Wateroak Dr 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 99.1% of the US · lower than 98.7% 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.

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 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wire 3 Fiber	10,000 / 10,000
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20