Brevard County property record for 985 Tope St, Cocoa, FL 32927
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,176 sqft · built 1979 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $293,000 (May 2026) |
| Tax Bill | $3,138 (2025) |
| Deeds & Mortgages | May 2021 Mortgage May 2026 Sale & Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-35-13-02-22-3 |
| Primary APN | 23-35-13-02-22-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| Gross Area | 1,620 sqft |
| 1st Floor Area | 1,176 sqft |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 270 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 174 sqft |
| Patio Area | 159 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2302350 |
|---|---|
| Street Address | 985 TOPE ST |
| City | COCOA |
| State | FL |
| Zip | 32927-5137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RU19 |
| Legal Description | NORTH PORT ST JOHN UNIT 3 LOT 3 BLK 22 |
| Legal Range | 35E |
| Legal Township | 23S |
| Legal Section | 13 |
| Legal Subdivision | NORTH PORT ST JOHN UNIT 3 |
| Legal Block | 22 |
| Legal Lot Number | 3 |
| Legal Unit | 3 |
| Jurisdiction | BREVARD FL |
| Township / Civil Division | COCOA-ROCKLEDGE |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 62106 |
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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 985 TOPE ST, COCOA, FL 32927-5137 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| May 3, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| May 6, 2026 | Warranty Deed, Transfer · FHA Mortgage DIRECT MORTGAGE LOAN |
| Jul 17, 2026 | Deed of Trust, Mortgage · FHA Mortgage MORTGAGE DIRECT LLC |
| May 6, 2026 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE DIRECT LLC |
| Dec 1, 2022 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jul 31, 2019 | Warranty Deed, Transfer · FHA Mortgage RP FUNDING INC |
| Mar 6, 2019 | Grant Deed, Construction Loan · Construction Mortgage LIMA ONE CAP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 6, 2026 · Amount on Record |
| Deed Sale | May 6, 2026 · Amount on Record |
| Prior Sale | Dec 1, 2022 · Amount on Record |
| Deed Document Number | 202691941 |
| Deed Book / Page | 10617 / 732 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Property Address | 985 TOPE ST, COCOA, FL 32927-5137 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 958 TOPE ST, COCOA, FL 32927-5162 |
| Document Number | 0091070212 |
|---|---|
| Date | May 3, 2021 |
| Book Page | 9107/212 |
| Instrument | 2021112154 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | May 6, 2026 |
| Property Address | 985 TOPE ST, COCOA, FL 32927-5137 |
| Document Number | 0000091941 |
| Book / Page | 10617 / 732 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 2026.91941 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2026 |
| Title Company | BELL LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $207,151.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 985 TOPE ST, COCOA, FL 32927-5137 |
| Document Number | 0000091942, |
|---|---|
| Date | May 6, 2026 |
| Instrument | 2026..91942 |
| Name | DIRECT MORTGAGE LOAN |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Jul 17, 2026 |
| Property Address | 985 TOPE ST, COCOA, FL 32927-5137 |
| Document Number | 0000146584 |
| Book / Page | 10679 / 2169 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 2026146584 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 929 HARBOR PINES DR, MERRITT ISLAND, FL 32952-2774 |
| Document Number | 0000146584, |
|---|---|
| Date | Jul 17, 2026 |
| Book Page | 10679/2169 |
| Instrument | 2026146584 |
| Name | MORTGAGE DIRECT LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | May 6, 2026 |
| Property Address | 985 TOPE ST, COCOA, FL 32927-5137 |
| Document Number | 0106170732 |
| Book / Page | 10617 / 732 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 202691941 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | LAND TITLE, BELL LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $207,151.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 985 TOPE ST, COCOA, FL 32927-5137 |
| Document Number | 0000091942, |
|---|---|
| Date | May 6, 2026 |
| Instrument | 202691942 |
| Name | MORTGAGE DIRECT LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Dec 1, 2022 |
| Property Address | 985 TOPE ST, COCOA, FL 32927-5137 |
| Document Number | 0096672547 |
| Book / Page | 9667 / 2547 |
| Map Reference | MB 23 PG 50-52 |
| Instrument Date | Nov 29, 2022 |
| Instrument | 2022280242 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,932.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662 |
| Name | Verified Name |
|---|---|
| Address | 985 TOPE ST, COCOA, FL 32927-5137 |
| Document Number | 0096672549 |
|---|---|
| Date | Dec 1, 2022 |
| Instrument | 9667/2549 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Jul 31, 2019 |
| Property Address | 985 TOPE ST, COCOA, FL 32927-5137 |
| Document Number | 0085011836 |
| Book / Page | 8501 / 1836 |
| Map Reference | MB 23 PG 50-52 |
| Instrument Date | Jul 23, 2019 |
| Instrument | 2019166478 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2021 |
| Title Company | UNITEDTITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,260.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 827 CHEROKEE CIR, 827, SANFORD, FL 32773-6011 |
| Name | Verified Name |
|---|---|
| Address | 985 TOPE ST, COCOA, FL 32927-5137 |
| Document Number | 2019166479 |
|---|---|
| Date | Jul 31, 2019 |
| Instrument | 2019166479 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BREVARD FL |
| Recording Date | Mar 6, 2019 |
| Property Address | 985 TOPE ST, COCOA, FL 32927-5137 |
| Document Number | 0083831676 |
| Book / Page | 008383 / 001676 |
| Instrument Date | Mar 5, 2019 |
| Instrument | 46149 |
| Transaction Type | Construction Loan |
| Record Updated | Mar 22, 2019 |
| Title Company | LIBERTY TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $749.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 827 CHEROKEE CIR SANFORD FL 327736011, SANFORD, FL 32773-6011 |
| Document Number | 83831677 |
|---|---|
| Date | Mar 6, 2019 |
| Book Page | 008383/001677 |
| Instrument | 46150 |
| Name | LIMA ONE CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | GREENVILLE, SC 29601 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 5, 2020 |
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 | $232,850 (-0.38%) | $232,850 (-0.38%) | |
| 2025 | $3,138.00 (+2.85%) Homeowner's exemption | $233,730 (+3.46%) | $233,730 (+3.46%) |
| 2024 | $3,051.00 (-11.64%) | ||
| 2023 | $3,453.00 (+89.52%) | $225,920 (+58.77%) Land $56,000 Building $169,920 | $225,920 (+22.09%) Land $56,000 Building $169,920 |
| 2022 | $1,822.00 Homeowner's exemption | $142,290 | $185,040 Land $46,000 Building $139,040 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 Record median of 14 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 3 (2008–2017) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% 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 268 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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