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

Brevard County property record for 933 Wateroak Dr NE, Palm Bay, FL 32905

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 932 sqft · built 1993
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$33,500 (Jul 2014)
Tax Bill	$658 (2025)
Deeds & Mortgages	Jun 2026 Sale Nov 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`28-37-27-NO-3048-16`

Property Details

APN / Parcel Number

Primary APN	`28-37-27-NO-3048-16`
Alternative APNs	`28-37-27-NO-03048.0-0016.00` `2835393`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	932 sqft Living Area
Gross Area	1,312 sqft
1st Floor Area	932 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	93 ft deep x 62 ft wide
Garage Type	Attached
Garage Area	320 sqft
Porch	Finished/Open Porch
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2835393
Street Address	933 WATEROAK DR NE
City	PALM BAY
State	FL
Zip	32905-8613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	PORT MALABAR UNIT 59 LOT 16 BLK 3048
Legal Range	37E
Legal Township	28S
Legal Section	27
Legal Subdivision	PORT MALABAR UNIT 59
Legal Block	3048
Legal Lot Number	16
Legal Unit	59
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	2
Census Block	2013
Census Tract	65129

Owner

933 Wateroak Dr NE is owned and occupied by an individual who bought it in July 2014.

Source: Brevard County records, as of October 7, 2026

Owner of Record	Individual Name on File
Mailing Address	933 WATEROAK DR NE, PALM BAY, FL 32905-8613
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Jun 17, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Nov 6, 2025	Deed of Trust, Mortgage · Line of Credit SPACE COAST CU
Nov 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage SPACE COAST CU
Feb 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage SPACE COAST CU
Nov 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2014 · Amount on File
Deed Sale	Jul 24, 2014 · Amount on File
Prior Sale	Jun 12, 2013 · Amount on File
Deed Document Number	2014146917
Deed Book / Page	7173 / 1604
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BREVARD FL
Recording Date	Jun 17, 2026
Property Address	933 WATEROAK DR NE, PALM BAY, FL 32905-8613
Document Number	0000124484
Book / Page	10655 / 47
Instrument Date	May 29, 2026
Instrument	2026124484
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	933 WATEROAK DR NE, PALM BAY, FL 32905-8613

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	933 WATEROAK DR NE, PALM BAY, FL 32905-8613
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	933 WATEROAK DR NE, PALM BAY, FL 32905-8613

Mortgage

Document Number	0104732372
Date	Nov 6, 2025
Book Page	10473/2372
Instrument	2025223511

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Nov 5, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	933 WATEROAK DR NE, PALM BAY, FL 32905-8613
Transaction Type	Mortgage
Record Updated	Nov 22, 2021
Title Company	PENINSULA TITLE SERVICES, PENINSULA TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	933 WATEROAK DR NE, PALM BAY, FL 32905-8613

Mortgage

Document Number	0093141010
Date	Nov 3, 2021
Book Page	9314/1010
Instrument	2021288721

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	933 WATEROAK DR NE, PALM BAY, FL 32905-8613
Document Number	0086752881
Instrument Date	Feb 20, 2020
Transaction Type	Mortgage
Record Updated	Apr 10, 2020
Title Company	PENINSULA TITLE SERVICES, PENINSULA TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	933 WATEROAK DR NE PALM BAY FL 329058613, PALM BAY, FL 32905-8613

Mortgage

Document Number	0086752881
Date	Feb 27, 2020
Book Page	008675/002881
Instrument	47072

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 26, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	933 WATEROAK DR NE, PALM BAY, FL 32905-8613
Document Number	0080321347
Book / Page	008032 / 001347
Instrument Date	Nov 8, 2017
Transaction Type	Mortgage
Record Updated	Dec 11, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	933 WATEROAK DR NE PALM BAY FL 329058613, PALM BAY, FL 32905-8613

Mortgage

Document Number	0080321347
Date	Nov 21, 2017
Book Page	008032/001347
Instrument	242781

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 20, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 933 Wateroak Dr NE was $658, up 4.3% 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		$80,730 (+2.7%)	$180,840 (-7.46%)
2025	$658.00 (+4.28%) Homeowner's exemption Senior Citizen's exemption	$78,610	$195,410
2024	$631.00 (+4.13%)
2023	$606.00 (+6.69%) Homeowner's exemption Senior Citizen's exemption	$74,180 (+3%)	$192,310 (+13.14%) Land $42,500 Building $149,810
2022	$568.00 Homeowner's exemption Senior Citizen's exemption	$72,020	$169,970 Land $35,000 Building $134,970

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

Flood

FEMA maps place 933 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 933 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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