Brevard County property record for 981 Osprey Dr, Melbourne, FL 32940
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,936 sqft · built 1994 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (May 2017) |
| Tax Bill | $2,991 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage May 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-36-14-12-*-1 |
| Primary APN | 26-36-14-12-*-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,936 sqft Living Area |
| Gross Area | 2,405 sqft |
| 1st Floor Area | 1,936 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 3,485 sqft (0.08 acres) |
| Lot Dimensions | 92 ft deep x 40 ft wide |
| View / Lot | Golf Course |
| Garage Type | Attached |
| Garage Area | 423 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 46 sqft |
| Patio Area | 84 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2616700 |
|---|---|
| Street Address | 981 OSPREY DR |
| City | MELBOURNE |
| State | FL |
| Zip | 32940-7861 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | EAGLES LANDING, REPLAT OF LOT 1 |
| Legal Range | 36E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | EAGLES LANDING, REPLAT OF |
| Legal Lot Number | 1 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | MELBOURNE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 64128 |
981 Osprey Dr is owned and occupied by two individuals who bought it in May 2017.
Source: Brevard County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 981 OSPREY DR, MELBOURNE, FL 32940-7861 |
| 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.
| Date | Document |
|---|---|
| Dec 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| May 23, 2017 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 23, 2017 · Amount on File |
| Deed Sale | May 23, 2017 · Amount on File |
| Prior Sale | Apr 18, 2011 · Amount on File |
| Deed Document Number | 2017108030 |
| Prior Transfer Date | Aug 18, 2004 |
| Prior Transfer Doc | 0000283314 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 981 OSPREY DR, MELBOURNE, FL 32940-7861 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 981 OSPREY DR, MELBOURNE, FL 32940-7861 |
| Document Number | 0093702003 |
|---|---|
| Date | Dec 29, 2021 |
| Book Page | 9370/2003 |
| Instrument | 2021336851 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | May 23, 2017 |
| Property Address | 981 OSPREY DR, MELBOURNE, FL 32940-7861 |
| Document Number | 0078960506 |
| Book / Page | 007896 / 000506 |
| Instrument Date | May 19, 2017 |
| Instrument | 108030 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2018 |
| Title Company | TITLE SECURITY AND ESCROW/CTRL FL, TITLE SEC & ESCROW/CTRL FL |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 981 OSPREY DR MELBOURNE FL 329407861, MELBOURNE, FL 32940-7861 |
| Document Number | 78960507 |
|---|---|
| Date | May 23, 2017 |
| Book Page | 007896/000507 |
| Instrument | 108031 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 22, 2047 |
The 2025 property tax bill for 981 Osprey Dr was $2,991 with a homeowner's exemption, up 8.2% from the year before.
Source: Brevard County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Brevard County |
| Unified School District | Brevard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $224,220 (+2.7%) | $302,890 (-6.69%) | |
| 2025 | $2,991.00 (+8.21%) Homeowner's exemption | $218,330 | $324,620 |
| 2024 | $2,764.00 (+1.95%) | ||
| 2023 | $2,711.00 (+7.45%) Homeowner's exemption | $206,000 (+3%) | $317,100 (+7.46%) Land $90,000 Building $227,100 |
| 2022 | $2,523.00 Homeowner's exemption | $200,000 | $295,080 Land $90,000 Building $205,080 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 981 Osprey Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 205 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 247 units insured incl. 42 condo units |
| Nearby Flood Claims | 38 (1994–2025) |
| Claims Outside the SFHA | 15 of 38 |
| Most Recent Claim | Jan 2025 · rainfall accumulation |
| Claims by Event |
|
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 981 Osprey Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% 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 COCOA serves 294,039 people · EPA ID FL3050223 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | 2 ppb (2022) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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 231 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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