865 Chello Ave NE, Palm Bay, FL 32905 Property Records

Brevard County property record for 865 Chello Ave NE, Palm Bay, FL 32905

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 888 sqft · built 1982
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Sep 2022)
Tax Bill	$3,410 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-37-27-76-129-41`

Property Details

APN / Parcel Number

Primary APN	`28-37-27-76-129-41`
Alternative APNs	`28-37-27-76-00129.0-0041.00` `2836231`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	888 sqft Living Area
Gross Area	1,152 sqft
1st Floor Area	888 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2013
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	264 sqft
Porch	Finished/Open Porch
Porch Area	90 sqft
Patio Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2836231
Street Address	865 CHELLO AVE NE
City	PALM BAY
State	FL
Zip	32905-5124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS2
Legal Description	PORT MALABAR UNIT 5, 1ST REPLAT LOT 41 BLK 129
Legal Range	37E
Legal Township	28S
Legal Section	27
Legal Subdivision	PORT MALABAR UNIT 5, 1ST REPLAT
Legal Block	129
Legal Lot Number	41
Legal Unit	5
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	3
Census Block	3013
Census Tract	65129

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	865 CHELLO AVE NE, PALM BAY, FL 32905-5124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2022 · Amount on Record
Deed Sale	Sep 12, 2022 · Amount on Record
Prior Sale	May 12, 2022 · Amount on Record
Deed Document Number	2022222603
Deed Book / Page	9609 / 1134
Prior Transfer Date	Dec 8, 1998
Prior Transfer Doc	3939001729
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Sep 12, 2022
Property Address	865 CHELLO AVE NE, PALM BAY, FL 32905-5124
Document Number	0096091134
Book / Page	9609 / 1134
Map Reference	MB 18 PG 99
Instrument Date	Sep 8, 2022
Instrument	2022222603
Transaction Type	Transfer
Record Updated	Sep 26, 2022
Title Company	LAND TITLE CORPORATION, LANDING TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4651 BABCOCK ST NE # NE18-106, 4651, PALM BAY, FL 32905-2844

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	865 CHELLO AVE NE, PALM BAY, FL 32905-5124

Mortgage

Document Number	0096091136
Date	Sep 12, 2022
Instrument	9609/1136

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

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		$175,020 (-4.55%)	$175,020 (-4.55%)
2025	$3,410.00 (+11.04%)	$183,370 (-9.46%) Land $45,000 Building $138,370	$183,370 (-9.46%) Land $45,000 Building $138,370
2023	$3,071.00 (+958.97%) Homeowner's exemption	$202,520 (+430.57%) Land $37,500 Building $165,020	$202,520 (+40.4%) Land $37,500 Building $165,020
2022	$290.00 Homeowner's exemption Senior Citizen's exemption	$38,170	$144,250 Land $33,000 Building $111,250

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 Record median of 19 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	2 (2019–2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2022 · Hurricane Ian

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

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 379 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 · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20