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

Brevard County property record for 974 Commerce Rd SE, Palm Bay, FL 32909

Property Summary

Property TypeSingle Family Home
Details2,080 sqft · built 2020
Lot Size0.23 acres (10,019 sqft)
OwnerIndividual Name on File
Last Sale$248,000 (Jul 2020)
Tax Bill$4,916 (2025)
Deeds & MortgagesJul 2020 Sale & Mortgage
Feb 2019 Sale
Flood ZoneZone X (moderate risk)
APN29-37-07-GN-501-16

Property Details

APN / Parcel Number

Primary APN29-37-07-GN-501-16
Alternative APNs
  • 29-37-07-GN-00501.0-0016.00
  • 2926976

Interior

Stories1 Story
Building Area2,080 sqft Living Area
Gross Area2,832 sqft
1st Floor Area2,080 sqft

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2022
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area10,019 sqft (0.23 acres)
Lot Dimensions125 ft deep x 80 ft wide
Garage TypeAttached
Garage Area440 sqft
PorchFinished/Open Porch
Deck Area796 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number2926976
Street Address974 COMMERCE RD SE
CityPALM BAY
StateFL
Zip32909-4731
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS2
Legal DescriptionPORT MALABAR UNIT 12 LOT 16 BLK 501
Legal Range37E
Legal Township29S
Legal Section07
Legal SubdivisionPORT MALABAR UNIT 12
Legal Block501
Legal Lot Number16
Legal Unit12
JurisdictionBREVARD FL
Township / Civil DivisionPALM BAY
Census Block Group1
Census Block1039
Census Tract71341

Owner

974 Commerce Rd SE is owned and occupied by an individual who bought it in July 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on File
Mailing Address974 COMMERCE RD SE, PALM BAY, FL 32909-4731
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 2, 2020Warranty Deed, Subdivision Related Transfer · FHA Mortgage
EMBRACE HM LOANS
Feb 19, 2019Warranty Deed, Transfer
PENINSULA TITLE SERVICES, PENINSULA TITLE SVCS

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 2, 2020 · Amount on File
Deed SaleJul 2, 2020 · Amount on File
Prior SaleFeb 19, 2019 · Amount on File
Deed Document Number2020140953
Deed Book / Page8784 / 1916
Record UpdatedSep 20, 2026

July 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateJul 2, 2020
Property Address974 COMMERCE RD SE, PALM BAY, FL 32909-4731
Document Number0087841916
Book / Page008784 / 001916
Instrument DateMay 29, 2020
Instrument140953
Transaction TypeSubdivision Related Transfer
Record UpdatedJul 27, 2020
Title CompanyPENINSULA TITLE SERVICES, PENINSULA TITLE SVCS

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,736.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address974 COMMERCE RD SE PALM BAY FL 32909, PALM BAY, FL 32909

Mortgage

Document Number87841917
DateJul 2, 2020
Book Page008784/001917
Instrument140954
Lender
NameEMBRACE HM LOANS
TypeFunding / Finance Company
AddressMIDDLETOWN, RI 02842
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJul 1, 2050

February 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBREVARD FL
Recording DateFeb 19, 2019
Property Address974 COMMERCE RD SE, PALM BAY, FL 32909-4731
Document Number0083711300
Book / Page008371 / 001300
Instrument DateFeb 13, 2019
Instrument34206
Transaction TypeTransfer
Record UpdatedMar 4, 2019
Title CompanyPENINSULA TITLE SERVICES, PENINSULA TITLE SVCS

Transaction

AmountAmount on Record
Tax$115.50
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address620 MALABAR RD SE #5 PALM BAY FL 329073109, 5, PALM BAY, FL 32907-3109
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 974 Commerce Rd SE was $4,916 with a homeowner's exemption.

Source: Brevard County assessment roll, as of August 18, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBrevard County
MunicipalityPalm Bay City
Unified School DistrictBrevard County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$316,790 (+2.7%)$344,900 (-2.05%)
2025$4,916.00 Homeowner's exemption$308,470$352,130 Land $42,500 Building $309,630
2023$3,574.00 (+3.44%) Homeowner's exemption$229,770 (+3%)$306,040 (+13.63%) Land $36,000 Building $270,040
2022$3,455.00 Homeowner's exemption$223,080$269,320 Land $24,500 Building $244,820

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

Flood

FEMA maps place 974 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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 13 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies13 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 974 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 RiskLow
lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
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 SystemCITY OF PALM BAY
serves 140,750 people · EPA ID FL3050442
Water SourceGroundwater
Last State InspectionAug 2024
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Jan 2023
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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