970 Commerce Rd SE, Palm Bay, FL 32909 Property Records

Brevard County property record for 970 Commerce Rd SE, Palm Bay, FL 32909

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,549 sqft · built 2006
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$53,099 (May 2011)
Tax Bill	$997 (2025)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`29-37-07-GN-501-17`

Property Details

APN / Parcel Number

Primary APN	`29-37-07-GN-501-17`
Alternative APNs	`29-37-07-GN-00501.0-0017.00` `2926977`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,549 sqft Living Area
Gross Area	2,065 sqft
1st Floor Area	1,549 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	126 ft deep x 87 ft wide
Garage Type	Attached
Garage Area	400 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	116 sqft
Deck Area	124 sqft
Patio Area	124 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2926977
Street Address	970 COMMERCE RD SE
City	PALM BAY
State	FL
Zip	32909-4731
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS2
Legal Description	PORT MALABAR UNIT 12 LOT 17 BLK 501
Legal Range	37E
Legal Township	29S
Legal Section	07
Legal Subdivision	PORT MALABAR UNIT 12
Legal Block	501
Legal Lot Number	17
Legal Unit	12
Jurisdiction	BREVARD FL
Township / Civil Division	PALM BAY
Census Block Group	1
Census Block	1039
Census Tract	71341

Owner

970 Commerce Rd SE is owned and occupied by an individual who bought it in May 2011.

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

Owner of Record	Individual Name on File
Mailing Address	970 COMMERCE RD SE, PALM BAY, FL 32909-4731
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2011 · Amount on File
Deed Sale	May 27, 2011 · Amount on File
Prior Sale	Dec 30, 2010
Deed Document Number	201195226
Deed Book / Page	6391 / 1471
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREVARD FL
Property Address	970 COMMERCE RD SE, PALM BAY, FL 32909-4731
Transaction Type	Mortgage
Record Updated	Sep 17, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0089820104
Date	Jan 15, 2021
Book Page	8982/104
Instrument	2021010396

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 970 Commerce Rd SE was $997 with a homeowner's exemption.

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		$94,020 (+2.7%)	$235,480 (-0.61%)
2025	$997.00 Homeowner's exemption	$91,550	$236,920
2023	$923.00 (+7.83%) Homeowner's exemption	$86,380 (+2.99%)	$235,410 (+12.49%) Land $36,000 Building $199,410
2022	$856.00 Homeowner's exemption	$83,870	$209,280 Land $24,500 Building $184,780

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

Flood

FEMA maps place 970 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

Wildfire risk around 970 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.

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 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