822 Vance Cir NE, Palm Bay, FL 32905 Property Records

Brevard County property record for 822 Vance Cir NE, Palm Bay, FL 32905

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,343 sqft · built 1972
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (May 2020)
Tax Bill	$3,168 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit May 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28-37-26-76-711-15`

Property Details

APN / Parcel Number

Primary APN	`28-37-26-76-711-15`
Alternative APNs	`28-37-26-76-00711.0-0015.00` `2835252`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,343 sqft Living Area
Gross Area	2,095 sqft
1st Floor Area	1,343 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1998
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	105 ft deep x 117 ft wide
Garage Type	Attached
Garage Area	752 sqft
Porch	Florida Room
Porch Area	227 sqft
Patio Area	154 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2835252
Street Address	822 VANCE CIR NE
City	PALM BAY
State	FL
Zip	32905-5434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS2
Legal Description	PORT MALABAR UNIT 43 LOT 15 BLK 711
Legal Range	37E
Legal Township	28S
Legal Section	26
Legal Subdivision	PORT MALABAR UNIT 43
Legal Block	711
Legal Lot Number	15
Legal Unit	43
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	1
Census Block	1011
Census Tract	65201

Owner

822 Vance Cir NE is owned and occupied by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	822 VANCE CIR NE, PALM BAY, FL 32905-5434
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

Date	Document
Nov 28, 2022	Deed of Trust, Mortgage · Line of Credit SPACE COAST CU
May 11, 2020	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC
Sep 19, 2019	Warranty Deed, Transfer ATYPICAL TITLE INC
Nov 1, 2016	Loan Modification, Mortgage · Conventional Mortgage RUSHMORE LN MGMT SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2020 · Amount on File
Deed Sale	May 11, 2020 · Amount on File
Prior Sale	Sep 19, 2019 · Amount on File
Deed Document Number	2020101776
Deed Book / Page	8738 / 158
Prior Transfer Date	Feb 9, 1995
Prior Transfer Doc	3455000202
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	822 VANCE CIR NE, PALM BAY, FL 32905-5434
Transaction Type	Mortgage
Record Updated	Dec 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	622 VANCE CIR NE, PALM BAY, FL 32905

Mortgage

Document Number	0096640311
Date	Nov 28, 2022
Book Page	9664/311
Instrument	2022276630

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	168 Months
Due	Nov 27, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	May 11, 2020
Property Address	822 VANCE CIR NE, PALM BAY, FL 32905-5434
Document Number	0087380158
Book / Page	008738 / 000158
Instrument Date	May 1, 2020
Instrument	101776
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	LANDING TITLE AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 VANCE CIR NE PALM BAY FL 329055434, PALM BAY, FL 32905-5434

Mortgage

Document Number	87380160
Date	May 11, 2020
Book Page	008738/000160
Instrument	101777

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 10, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Sep 19, 2019
Property Address	822 VANCE CIR NE, PALM BAY, FL 32905-5434
Document Number	0085420330
Book / Page	008542 / 000330
Instrument Date	Sep 10, 2019
Instrument	204900
Transaction Type	Transfer
Record Updated	Oct 28, 2019
Title Company	ATYPICAL TITLE INC

Transaction

Amount	Amount on Record
Tax	$420.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1540 HIGHLAND AVE MELBOURNE FL 329356527, MELBOURNE, FL 32935-6527

November 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BREVARD FL
Property Address	822 VANCE CIR NE, PALM BAY, FL 32905-5434
Document Number	0079070160
Book / Page	007907 / 000160
Instrument Date	Nov 1, 2016
Transaction Type	Mortgage
Record Updated	Jun 29, 2017
Title Company	TD SERVICES COMPANY, TD SVC CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Estate
Address	822 VANCE CIR NE PALM BAY FL 329055434, PALM BAY, FL 32905-5434

Mortgage

Document Number	0079070160
Date	Jun 6, 2017
Book Page	007907/000160
Instrument	117805

Lender

Name	RUSHMORE LN MGMT SVCS
Type	Funding / Finance Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 5, 2047

Interest

Rate	5.5%

Tax Assessment & Valuation

The 2025 property tax bill for 822 Vance Cir NE was $3,168 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		$218,840 (+2.7%)	$231,020 (+0.81%)
2025	$3,168.00 Homeowner's exemption	$213,090	$229,170 Land $70,000 Building $159,170
2023	$3,019.00 (+3.78%) Homeowner's exemption	$201,060 (+3%)	$208,490 (+6.8%) Land $35,000 Building $173,490
2022	$2,909.00 Homeowner's exemption	$195,210 Land $35,000 Building $160,210	$195,210 Land $35,000 Building $160,210

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

Flood

FEMA maps place 822 Vance Cir NE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 24 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	5 (1994–2008)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Aug 2008 · Tropical Storm Fay
Claims by Event	Hurricane Frances, Sep 2004 · 2 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 822 Vance 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 99.1% 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 256 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

May also be available: Wire 3.

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