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

Brevard County property record for 957 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	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Dec 2019)
Tax Bill	$2,171 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-37-27-NO-3054-2`

Property Details

APN / Parcel Number

Primary APN	`28-37-27-NO-3054-2`
Alternative APNs	`28-37-27-NO-03054.0-0002.00` `2835447`

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	6,098 sqft (0.14 acres)
Lot Dimensions	112 ft deep x 56 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	334 sqft
Porch	Finished/Open Porch
Porch Area	39 sqft
Patio Area	502 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2835447
Street Address	957 WATEROAK DR NE
City	PALM BAY
State	FL
Zip	32905-4694
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	PORT MALABAR UNIT 59 LOT 2 BLK 3054
Legal Range	37E
Legal Township	28S
Legal Section	27
Legal Subdivision	PORT MALABAR UNIT 59
Legal Block	3054
Legal Lot Number	2
Legal Unit	59
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	2
Census Block	2002
Census Tract	65129

Owner

957 Wateroak Dr NE is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	957 WATEROAK DR NE, PALM BAY, FL 32905-4694
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
Oct 19, 2021	Deed of Trust, Mortgage · Line of Credit SPACE COAST CU
Aug 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2019 · Amount on File
Deed Sale	Dec 31, 2019 · Amount on File
Prior Sale	Feb 17, 2011 · Amount on File
Deed Document Number	2019282463
Deed Book / Page	8626 / 1891
Prior Transfer Date	Nov 14, 2008
Prior Transfer Doc	0058992932
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	957 WATEROAK DR NE, PALM BAY, FL 32905-4694
Transaction Type	Mortgage
Record Updated	Nov 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	957 WATEROAK DR NE, PALM BAY, FL 32905-4694

Mortgage

Document Number	0092952697
Date	Oct 19, 2021
Book Page	9295/2697
Instrument	2021272901

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	169 Months
Due	Nov 1, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	957 WATEROAK DR NE, PALM BAY, FL 32905-4694
Transaction Type	Mortgage
Record Updated	Aug 18, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	957 WATEROAK DR NE, PALM BAY, FL 32905-4694

Mortgage

Document Number	0092100226
Date	Aug 3, 2021
Book Page	9210/226
Instrument	2021199881

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 957 Wateroak Dr NE was $2,171 with a homeowner's exemption, down 31.6% 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		$162,160 (+2.7%)	$216,750 (-5.44%)
2025	$2,171.00 (-31.6%) Homeowner's exemption	$157,900	$229,230
2024	$3,174.00 (+1.8%)
2023	$3,118.00 (+3.25%) Homeowner's exemption	$143,490 (+2.99%)	$221,330 (+13.26%) Land $42,500 Building $178,830
2022	$3,020.00 Homeowner's exemption	$139,320	$195,410 Land $35,000 Building $160,410

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

Flood

FEMA maps place 957 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 957 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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