Brevard County property record for 969 Waialae Cir NE, Palm Bay, FL 32905
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,383 sqft · built 1973 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $115,000 (Aug 2010) |
| Tax Bill | $1,262 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Dec 2025 Transfer + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-37-28-JO-13-4 |
| Primary APN | 28-37-28-JO-13-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,383 sqft Living Area |
| Gross Area | 3,017 sqft |
| 1st Floor Area | 2,383 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 12,632 sqft (0.29 acres) |
| Lot Dimensions | 125 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 529 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 105 sqft |
| Deck Area | 428 sqft |
| Patio Area | 616 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2836285 |
|---|---|
| Street Address | 969 WAIALAE CIR NE |
| City | PALM BAY |
| State | FL |
| Zip | 32905-4411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS1 |
| Legal Description | PORT MALABAR COUNTRY CLUB UNIT 2 LOT 4 BLK 13 |
| Legal Range | 37E |
| Legal Township | 28S |
| Legal Section | 28 |
| Legal Subdivision | PORT MALABAR COUNTRY CLUB UNIT 2 |
| Legal Block | 13 |
| Legal Lot Number | 4 |
| Legal Unit | 2 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | PALM BAY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 65130 |
969 Waialae Cir NE is owned and occupied by two individuals who bought it in August 2010.
Source: Brevard County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 969 WAIALAE CIR NE, PALM BAY, FL 32905-4411 |
| 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.
| Date | Document |
|---|---|
| Dec 2, 2025 | Deed of Trust, Mortgage · VA Mortgage INDEPENDENCE HOME LOANS LLC |
| Dec 17, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| May 8, 2023 | Deed of Trust, Mortgage · VA Mortgage GLOBAL EQUITY FINANCE INC |
| Sep 7, 2022 | Deed of Trust, Mortgage · VA Mortgage GLOBAL EQUITY FINANCE INC |
| Oct 12, 2021 | Deed of Trust, Mortgage · VA Mortgage GLOBAL EQUITY FINANCE INC |
| Oct 2, 2019 | Deed of Trust, Mortgage · VA Mortgage GLOBAL EQUITY FIN |
| Jan 22, 2019 | Deed of Trust, Mortgage · Conventional Mortgage GLOBAL EQUITY FIN |
| Mar 11, 2017 | Loan Modification, Mortgage · FHA Mortgage US BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 30, 2010 · Amount on File |
| Deed Sale | Aug 30, 2010 · Amount on File |
| Prior Sale | Jul 8, 1993 · Amount on File |
| Deed Document Number | 2010166382 |
| Deed Book / Page | 6231 / 1027 |
| Prior Transfer Date | May 19, 2004 |
| Prior Transfer Doc | 0000167407 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 969 WAIALAE CIR NE, PALM BAY, FL 32905-4411 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2025 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Address | 969 WAIALAE CIR NE, PALM BAY, FL 32905-4411 |
| Document Number | 0104930860 |
|---|---|
| Date | Dec 2, 2025 |
| Book Page | 10493/860 |
| Instrument | 2025240888 |
| Name | INDEPENDENCE HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85251 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Dec 17, 2025 |
| Property Address | 969 WAIALAE CIR NE, PALM BAY, FL 32905-4411 |
| Document Number | 0105052567 |
| Book / Page | 10505 / 2567 |
| Map Reference | MB 21 PG 134-136 |
| Instrument Date | Nov 25, 2025 |
| Instrument | 2025252405 |
| Transaction Type | Transfer |
| Record Updated | Jan 8, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 969 WAIALAE CIR NE, PALM BAY, FL 32905-4411 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 969 WAIALAE CIR NE, PALM BAY, FL 32905-4411 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 969 WAIALAE CIR NE, PALM BAY, FL 32905-4411 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Address | 969 WALLACE CIR NE, PALM BAY, FL 32905 |
| Document Number | 0097810885 |
|---|---|
| Date | May 8, 2023 |
| Book Page | 9781/885 |
| Instrument | 2023091994 |
| Name | GLOBAL EQUITY FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92126 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 969 WAIALAE CIR NE, PALM BAY, FL 32905-4411 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2022 |
| Title Company | STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Address | 969 WAIALARE CIR, PALM BAY, FL 32905-4411 |
| Document Number | 0096062302 |
|---|---|
| Date | Sep 7, 2022 |
| Book Page | 9606/2302 |
| Instrument | 2022219946 |
| Name | GLOBAL EQUITY FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92126 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 969 WAIALAE CIR NE, PALM BAY, FL 32905-4411 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2021 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Address | 969 WAIALAE CIR NE, PALM BAY, FL 32905-4411 |
| Document Number | 0092880272 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 9288/272 |
| Instrument | 2021266016 |
| Name | GLOBAL EQUITY FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 969 WAIALAE CIR NE, PALM BAY, FL 32905-4411 |
| Document Number | 0085841604 |
| Instrument Date | Oct 2, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2019 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Address | 969 WAIALAE CIR NE PALM BAY FL 329054411, PALM BAY, FL 32905-4411 |
| Document Number | 0085841604 |
|---|---|
| Date | Nov 8, 2019 |
| Book Page | 008584/001604 |
| Instrument | 244759 |
| Name | GLOBAL EQUITY FIN |
|---|---|
| Type | Funding / Finance Company |
| Address | SAN DIEGO, CA 92108 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 7, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 969 WAIALAE CIR NE, PALM BAY, FL 32905-4411 |
| Document Number | 0083560895 |
| Instrument Date | Jan 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2019 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Address | 969 WAIALAE CIR NE PALM BAY FL 329054411, PALM BAY, FL 32905-4411 |
| Document Number | 0083560895 |
|---|---|
| Date | Jan 29, 2019 |
| Book Page | 008356/000895 |
| Instrument | 18078 |
| Name | GLOBAL EQUITY FIN |
|---|---|
| Type | Funding / Finance Company |
| Address | SAN DIEGO, CA 92117 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 28, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 969 WAIALAE CIR NE, PALM BAY, FL 32905-4411 |
| Document Number | 0078722696 |
| Book / Page | 007872 / 002696 |
| Instrument Date | Mar 11, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 969 WAIALAE CIR NE PALM BAY FL 329054411, PALM BAY, FL 32905-4411 |
| Document Number | 0078722696 |
|---|---|
| Date | Apr 25, 2017 |
| Book Page | 007872/002696 |
| Instrument | 84758 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 24, 2042 |
| Rate | 3.62% |
|---|
The 2025 property tax bill for 969 Waialae Cir NE was $1,262, up 3.7% from the year before.
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 | $117,210 (+2.7%) | $300,280 (-3.58%) | |
| 2025 | $1,262.00 (+3.7%) Homeowner's exemption Senior Citizen's exemption | $114,130 | $311,440 |
| 2024 | $1,217.00 (+4.46%) | ||
| 2023 | $1,165.00 (+7.97%) Homeowner's exemption Senior Citizen's exemption | $107,690 (+2.99%) | $294,820 (+2.47%) Land $55,000 Building $239,820 |
| 2022 | $1,079.00 Homeowner's exemption Senior Citizen's exemption | $104,560 | $287,700 Land $50,000 Building $237,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 969 Waialae Cir NE in Zone X, an area of minimal 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 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 |
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 969 Waialae Cir NE is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 261 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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