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

Brevard County property record for 860 Vance Cir NE, Palm Bay, FL 32905

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,572 sqft · built 1973
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Jan 2008)
Tax Bill	$1,194 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-37-26-76-711-3`

Property Details

APN / Parcel Number

Primary APN	`28-37-26-76-711-3`
Alternative APNs	`28-37-26-76-00711.0-0003.00` `2835240`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,572 sqft Living Area
Gross Area	2,672 sqft
1st Floor Area	1,572 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2000
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Lot Dimensions	125 ft deep x 123 ft wide
Garage Type	Attached
Garage Area	506 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	594 sqft
Deck Area	637 sqft
Patio Area	249 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2835240
Street Address	860 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 3 BLK 711
Legal Range	37E
Legal Township	28S
Legal Section	26
Legal Subdivision	PORT MALABAR UNIT 43
Legal Block	711
Legal Lot Number	3
Legal Unit	43
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	1
Census Block	1011
Census Tract	65201

Owner

860 Vance Cir NE is owned and occupied by an individual who acquired it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	860 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
Mar 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage SUN WEST MORTGAGE COMPANY INC
Mar 3, 2017	Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2008 · Amount on File
Deed Sale	Jan 3, 2008 · Amount on File
Prior Sale	Aug 27, 2002 · Amount on File
Deed Document Number	2008871
Deed Book / Page	5835 / 8148
Last Transfer Date	May 22, 2019
Transfer Doc	0000254806
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	860 VANCE CIR NE, PALM BAY, FL 32905-5434
Transaction Type	Mortgage
Record Updated	Mar 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 VANCE CIR NE, PALM BAY, FL 32905-5434

Mortgage

Document Number	0094322355
Date	Mar 3, 2022
Book Page	9432/2355
Instrument	2022053738

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	860 VANCE CIR NE, PALM BAY, FL 32905-5434
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PERFORMANCE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0078331918
Date	Mar 3, 2017
Book Page	7833/1918
Instrument	2017045036

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	CERRITOS, CA 90703

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 860 Vance Cir NE was $1,194 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		$106,610 (+2.7%)	$290,950 (+2.34%)
2025	$1,194.00 Homeowner's exemption	$103,810	$284,300 Land $70,000 Building $214,300
2023	$1,112.00 (+6.82%) Homeowner's exemption	$97,960 (+3%)	$268,620 (+5.97%) Land $35,000 Building $233,620
2022	$1,041.00 Homeowner's exemption	$95,110	$253,480 Land $35,000 Building $218,480

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

Flood

FEMA maps place 860 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 860 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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