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

Brevard County property record for 898 Wateroak Dr NE, Palm Bay, FL 32905

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,329 sqft · built 1988
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$136,000 (May 2017)
Tax Bill	$1,988 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-37-27-NO-3050-5`

Property Details

APN / Parcel Number

Primary APN	`28-37-27-NO-3050-5`
Alternative APNs	`28-37-27-NO-03050.0-0005.00` `2835406`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,329 sqft Living Area
Gross Area	1,702 sqft
1st Floor Area	865 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	104 ft deep x 69 ft wide
Garage Type	Attached
Garage Area	334 sqft
Porch	Florida Room
Porch Area	39 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2835406
Street Address	898 WATEROAK DR NE
City	PALM BAY
State	FL
Zip	32905-8612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	PORT MALABAR UNIT 59 LOT 5 BLK 3050
Legal Range	37E
Legal Township	28S
Legal Section	27
Legal Subdivision	PORT MALABAR UNIT 59
Legal Block	3050
Legal Lot Number	5
Legal Unit	59
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	2
Census Block	2002
Census Tract	65129

Owner

898 Wateroak Dr NE is owned and occupied by an individual who bought it in May 2017.

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

Owner of Record	Individual Name on File
Mailing Address	898 WATEROAK DR NE, PALM BAY, FL 32905-8612
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 1, 2024	Deed of Trust, Mortgage · Line of Credit LAUNCH CU
May 24, 2017	Warranty Deed, Transfer · Conventional Mortgage HOUSING FIN AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2017 · Amount on File
Deed Sale	May 24, 2017 · Amount on File
Prior Sale	Apr 2, 2001 · Amount on File
Deed Document Number	2017109417
Transfer Doc	0057560157
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	898 WATEROAK DR NE, PALM BAY, FL 32905-8612
Transaction Type	Mortgage
Record Updated	Apr 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	898 WATEROAK DR NE, PALM BAY, FL 32905-8612

Mortgage

Document Number	0100281162
Date	Apr 1, 2024
Book Page	10028/1162
Instrument	2024065698

Lender

Name	LAUNCH CU
Type	Credit Union
Address	MERRITT ISLAND, FL 32952

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 15, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREVARD FL
Recording Date	May 24, 2017
Property Address	898 WATEROAK DR NE, PALM BAY, FL 32905-8612
Document Number	0078972436
Book / Page	007897 / 002436
Instrument Date	May 17, 2017
Instrument	109417
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	SUPREME TITLE CLOSINGS LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$952.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	898 WATEROAK DR NE PALM BAY FL 329058612, PALM BAY, FL 32905-8612

Mortgage

Document Number	78972456
Date	May 24, 2017
Book Page	007897/002456
Instrument	109419

Lender

Name	HOUSING FIN AGCY
Type	Funding / Finance Company
Address	TALLAHASSEE, FL 32301-1329

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Mortgage

Document Number	78972438,
Date	May 24, 2017
Book Page	007897/002438
Instrument	109418

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 23, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 898 Wateroak Dr NE was $1,988 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		$151,740 (+2.69%)	$212,590 (-5.44%)
2025	$1,988.00 (+2.85%) Homeowner's exemption	$147,760	$224,820
2024	$1,933.00 (+2.87%)
2023	$1,879.00 (+4.85%) Homeowner's exemption	$139,420 (+3%)	$223,060 (+12.36%) Land $42,500 Building $180,560
2022	$1,792.00 Homeowner's exemption	$135,360	$198,530 Land $35,000 Building $163,530

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

Flood

FEMA maps place 898 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 898 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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