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977 Tavernier Cir NE, Palm Bay, FL 32905 Property Records

Brevard County property record for 977 Tavernier Cir NE, Palm Bay, FL 32905

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,059 sqft · built 2005
Lot Size0.17 acres (7,405 sqft)
Owner2 Individual Names on Record
Last Sale$121,100 (Oct 2024)
Tax Bill$2,189 (2025)
Deeds & MortgagesJan 2022 Mortgage
May 2021 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN28-37-29-26-*-78

Property Details

APN / Parcel Number

Primary APN28-37-29-26-*-78
Alternative APNs
  • 28-37-29-26-00000.0-0078.00
  • 2861434

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,059 sqft Living Area
Gross Area2,758 sqft
1st Floor Area2,059 sqft

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2014
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area7,405 sqft (0.17 acres)
Lot Dimensions120 ft deep x 60 ft wide
View / LotLake Front
Garage TypeAttached
Garage Area450 sqft

Exterior Amenities

PorchFinished/Open Porch
Porch Area249 sqft
Deck Area249 sqft
Patio Area249 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number2861434
Street Address977 TAVERNIER CIR NE
CityPALM BAY
StateFL
Zip32905-6350
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRM15
Legal DescriptionRIVIERA KEY LOT 78
Legal Range37E
Legal Township28S
Legal Section29
Legal SubdivisionRIVIERA KEY
Legal Lot Number78
JurisdictionBREVARD FL
Township / Civil DivisionPALM BAY
Census Block Group3
Census Block3003
Census Tract65131

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address977 TAVERNIER CIR NE, PALM BAY, FL 32905-6350
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jan 12, 2022Deed of Trust, Mortgage · FHA Mortgage
ROCKET MORTGAGE LLC
May 19, 2021Deed of Trust, Mortgage · FHA Mortgage
THE FEDERAL SAVINGS BANK
Dec 27, 2017Deed of Trust, Mortgage · FHA Mortgage
FIRST DIRECT LNDG
Jan 10, 2017Deed of Trust, Mortgage · FHA Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 30, 2024 · Amount on Record
Deed SaleOct 30, 2024 · Amount on Record
Prior SaleApr 28, 2014 · Amount on Record
Deed Document Number2024217124
Deed Book / Page10189 / 1221
Prior Transfer DateOct 16, 2024
Prior Transfer Doc0101891221
Record UpdatedSep 20, 2026

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBREVARD FL
Property Address977 TAVERNIER CIR NE, PALM BAY, FL 32905-6350
Transaction TypeMortgage
Record UpdatedJan 28, 2022
Title CompanyAMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address977 TAVERNIER CIR NE, PALM BAY, FL 32905-6350

Mortgage

Document Number0093820389
DateJan 12, 2022
Book Page9382/389
Instrument2022007948
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2052

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBREVARD FL
Property Address977 TAVERNIER CIR NE, PALM BAY, FL 32905-6350
Transaction TypeMortgage
Record UpdatedJun 10, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address977 TAVERNIER CIR NE, PALM BAY, FL 32905-6350

Mortgage

Document Number0091272922
DateMay 19, 2021
Book Page9127/2922
Instrument2021130304
Lender
NameTHE FEDERAL SAVINGS BANK
TypeBank
AddressCHICAGO, IL 60639
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2051

December 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBREVARD FL
Property Address977 TAVERNIER CIR NE, PALM BAY, FL 32905-6350
Document Number0080611767
Book / Page008061 / 001767
Instrument DateDec 27, 2017
Transaction TypeMortgage
Record UpdatedFeb 15, 2018
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
Address977 TAVERNIER CIRCLE NORTHEST PALM BAY FL 32905, PALM BAY, FL 32905

Mortgage

Document Number0080611767
DateJan 3, 2018
Book Page008061/001767
Instrument966
Lender
NameFIRST DIRECT LNDG
AddressIRVINE, CA 92618
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 2, 2048

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBREVARD FL
Property Address977 TAVERNIER CIR NE, PALM BAY, FL 32905-6350
Document Number0078001101
Book / Page007800 / 001101
Instrument DateJan 10, 2017
Transaction TypeMortgage
Record UpdatedFeb 15, 2017
Title CompanyCLOSING USA LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address977 TAVERNIER CIR NE PALM BAY FL 329056350, PALM BAY, FL 32905-6350

Mortgage

Document Number0078001101
DateJan 19, 2017
Book Page007800/001101
Instrument11189
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 18, 2047

Tax Assessment & Valuation

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$178,270 (+2.7%)$300,340 (-1.22%)
2025$2,189.00 (-51.06%)$173,590 (+3.89%)$304,040 (-5.09%)
2024$4,473.00 (+1.43%)
2023$4,410.00 (+0.55%) Homeowner's exemption Widower's exemption$167,090 (+3%)$320,350 (+9.31%) Land $50,000 Building $270,350
2022$4,386.00 Homeowner's exemption Widower's exemption$162,230$293,060 Land $40,000 Building $253,060

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies4 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 95% of the US · lower than 95% 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 303 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL · Fixed Wireless in parts of the area		5,000 / 5,000
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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