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

Brevard County property record for 890 Wateroak Dr NE, Palm Bay, FL 32905

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,166 sqft · built 1995
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Apr 2019)
Tax Bill	$2,045 (2025)
Deeds & Mortgages	Apr 2019 Sale & Mortgage Sep 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-37-27-NO-3050-4`

Property Details

APN / Parcel Number

Primary APN	`28-37-27-NO-3050-4`
Alternative APNs	`28-37-27-NO-03050.0-0004.00` `2835405`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,166 sqft Living Area
Gross Area	1,583 sqft
1st Floor Area	1,166 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	127 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	261 sqft
Porch	Florida Room
Porch Area	156 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2835405
Street Address	890 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 4 BLK 3050
Legal Range	37E
Legal Township	28S
Legal Section	27
Legal Subdivision	PORT MALABAR UNIT 59
Legal Block	3050
Legal Lot Number	4
Legal Unit	59
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	2
Census Block	2002
Census Tract	65129

Owner

890 Wateroak Dr NE is owned and occupied by an individual who bought it in April 2019.

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

Owner of Record	Individual Name on File
Mailing Address	890 WATEROAK NORTHEAST DR NE, PALM BAY, FL 32905
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
Apr 15, 2019	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FIRM
Sep 5, 2017	Warranty Deed, Transfer · VA Mortgage MORGAN FIN'L
Mar 28, 2017	Special Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2019 · Amount on File
Deed Sale	Apr 15, 2019 · Amount on File
Prior Sale	Sep 5, 2017 · Amount on File
Deed Document Number	201977719
Deed Book / Page	8414 / 187
Prior Transfer Date	Apr 10, 2002
Prior Transfer Doc	4576003029
Record Updated	Sep 20, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Apr 15, 2019
Property Address	890 WATEROAK DR NE, PALM BAY, FL 32905-4689
Document Number	0084140187
Book / Page	008414 / 000187
Instrument Date	Apr 8, 2019
Instrument	77719
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	890 WATEROAK DR NE PALM BAY FL 329054689, PALM BAY, FL 32905-4689

Mortgage

Document Number	84140188
Date	Apr 15, 2019
Book Page	008414/000188
Instrument	77720

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 14, 2049

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Sep 5, 2017
Property Address	890 WATEROAK DR NE, PALM BAY, FL 32905-4689
Document Number	0079780017
Book / Page	007978 / 000017
Instrument Date	Aug 30, 2017
Instrument	186780
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	TITLE SECURITY AND ESCROW, TITLE SEC & ESCROW

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$979.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	890 WATEROAK DR NE PALM BAY FL 329054689, PALM BAY, FL 32905-4689

Mortgage

Document Number	79780018
Date	Sep 5, 2017
Book Page	007978/000018
Instrument	186781

Lender

Name	MORGAN FIN'L
Type	Funding / Finance Company
Address	ROCKLEDGE, FL 32955

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 4, 2047

March 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	Mar 28, 2017
Property Address	890 WATEROAK DR NE, PALM BAY, FL 32905-4689
Document Number	0078510230
Book / Page	7851 / 0230
Map Reference	MB32 PG78-88
Instrument Date	Mar 27, 2017
Instrument	2017063212
Transaction Type	Transfer
Record Updated	Jul 2, 2021
Title Company	ALLIANCE TITLE INS AGENCY IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$616.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 MARIETTA ST NW, 40, ATLANTA, GA 30303-2812

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	890 WATEROAK DR NE, PALM BAY, FL 32905-4689

Mortgage

Document Number	2017063213
Date	Mar 28, 2017
Instrument	2017063213

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 890 Wateroak Dr NE was $2,045 with a homeowner's exemption, up 2.8% 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		$154,990 (+2.7%)	$211,560 (-5.48%)
2025	$2,045.00 (+2.82%) Homeowner's exemption	$150,920	$223,830
2024	$1,989.00 (+2.84%)
2023	$1,934.00 (+4.77%) Homeowner's exemption	$142,400 (+2.99%)	$219,810 (+13.27%) Land $42,500 Building $177,310
2022	$1,846.00 Homeowner's exemption	$138,260	$194,060 Land $35,000 Building $159,060

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

Flood

FEMA maps place 890 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 890 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 496 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 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wire 3.

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