Brevard County property record for 963 Commerce Rd SE, Palm Bay, FL 32909
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,688 sqft · built 1997 |
| Lot Size | 0.58 acres (25,265 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $76,800 (Dec 1997) |
| Tax Bill | $899 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 29-37-07-GN-500-5 |
| Primary APN | 29-37-07-GN-500-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,688 sqft Living Area |
| Gross Area | 2,115 sqft |
| 1st Floor Area | 1,688 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 25,265 sqft (0.58 acres) |
| Lot Dimensions | 125 ft deep x 128 ft wide |
| View / Lot | Mainland |
| Garage Type | Attached |
| Garage Area | 392 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 35 sqft |
| Patio Area | 30 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2926930 |
|---|---|
| Street Address | 963 COMMERCE RD SE |
| City | PALM BAY |
| State | FL |
| Zip | 32909-4732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS2 |
| Legal Description | PORT MALABAR UNIT 12 LOTS 5 & 6 BLK 500 |
| Legal Range | 37E |
| Legal Township | 29S |
| Legal Section | 07 |
| Legal Subdivision | PORT MALABAR UNIT 12 |
| Legal Block | 500 |
| Legal Lot Number | 5 |
| Legal Unit | 12 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | PALM BAY |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 71341 |
963 Commerce Rd SE is owned and occupied by two individuals who bought it in December 1997.
Source: Brevard County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 963 COMMERCE RD SE, PALM BAY, FL 32909-4732 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 9, 1997 · Amount on File |
| Deed Sale | Dec 9, 1997 · Amount on File |
| Deed Book / Page | 3742 / 872 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 963 Commerce Rd SE was $899 with a homeowner's exemption.
Source: Brevard County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Brevard County |
| Municipality | Palm Bay City |
| Unified School District | Brevard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $88,450 (+2.69%) | $277,390 (+0.39%) | |
| 2025 | $899.00 Homeowner's exemption | $86,130 | $276,300 Land $85,000 Building $191,300 |
| 2023 | $829.00 (+8.51%) Homeowner's exemption | $81,280 (+2.99%) | $267,780 (+15.55%) Land $72,000 Building $195,780 |
| 2022 | $764.00 Homeowner's exemption | $78,920 | $231,750 Land $49,000 Building $182,750 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 963 Commerce Rd SE in Zone X, an area of moderate flood risk.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 13 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 13 in force |
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 risk around 963 Commerce Rd SE is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 328 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wire 3 Fiber | 10,000 / 10,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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