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Single Family ResidenceResidential
$217,100$246 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $217,900 on Jun 29, 2022

638 WHITE CLOUD ST SW

PALM BAY, FL 32908
2
Beds
1
Baths
882 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1983
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$217K
$204K low$230K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$217,900 · Jun 29, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,518 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$139,240 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$128,260
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$139,240

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.48
17
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
20
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
96
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
60
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
47
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.2 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyBREVARD
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2005
Lot (acres)The size of the land the home sits on, from county records.0.23
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 144 ft²Patio · 144 ft²Porch · 42 ft²

Transaction History(5)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(1)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Jupiter Elementary SchoolB-
Elementary · Grades EE–6 · 0.8 mi
H
Heritage High SchoolC-
High · Grades 9–12 · 3.4 mi
M
Central Middle SchoolC+
Middle · Grades 7–8 · 4.9 mi

District: Brevard County School District

Neighborhood · ZIP 32908These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.41
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.16

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.15,975
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.928 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$64,337
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$81,878
Average tempThe average temperature here across a full year.72°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

638 White Cloud St Sw measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 95% of homes in Palm Bay 32908
  • Costs more per square foot than 98% of homes in Palm Bay 32908
  • Among the smallest homes in Palm Bay 32908
  • Has a bigger lot than 65% of homes in Brevard County
  • Among the oldest homes in Palm Bay 32908

What homes are worth in Palm Bay 32908

Each bar is how many homes fall in that price range. The marker is this home.

This home
$203K$493K

This home is worth more than 5% of homes in Palm Bay 32908.

How it measures up in Palm Bay 32908

The dot is this home. The mark in the middle is the typical home in Palm Bay 32908.

Estimated value$217,100
CheaperTypical $321,931Pricier

Pricier than 5% of homes nearby

Price per ft²$246
CheaperTypical $181Pricier

Pricier than 98% of homes nearby

Living area882 ft²
SmallerTypical 1,821 ft²Bigger

Smaller than almost all homes nearby

Lot size0.23 ac
SmallerTypical 0.23 acBigger

Bigger than 61% of homes nearby

Year built1983
OlderTypical 2007Newer

Older than almost all homes nearby

How 638 White Cloud St Sw ranks against every home in each area.
MeasureThis homePalm Bay 32908Brevard County
Estimated valuepricier than$217,1005% of homes16% of homes
Price per ft²pricier than$24698% of homes73% of homes
Living areabigger than882 ft²almost no homes6% of homes
Lot sizebigger than0.23 ac61% of homes65% of homes
Year builtnewer than1983almost no homes36% of homes

About 638 White Cloud St Sw

How much is 638 White Cloud St Sw, Palm Bay, FL worth?

The TopHap Estimate for 638 White Cloud St Sw, Palm Bay, FL is $217,100 as of Aug 30, 2026. The likely range is $204,199 to $230,001. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 638 White Cloud St Sw, Palm Bay, FL last sell?

638 White Cloud St Sw, Palm Bay, FL last sold on Jun 29, 2022 for $217,900, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 638 White Cloud St Sw, Palm Bay, FL?

638 White Cloud St Sw, Palm Bay, FL has 2 bedrooms, 1 bathrooms, 882 square feet of living space and a 0.23-acre lot.

When was 638 White Cloud St Sw, Palm Bay, FL built?

638 White Cloud St Sw, Palm Bay, FL was built in 1983, making it 43 years old. The building has 1 story.

What schools serve 638 White Cloud St Sw, Palm Bay, FL?

638 White Cloud St Sw, Palm Bay, FL is assigned to Jupiter Elementary School (elementary), rated B-; Heritage High School (high), rated C-; Central Middle School (middle), rated C+. All sit in Brevard County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 638 White Cloud St Sw, Palm Bay, FL compare to other homes in Palm Bay 32908?

Among the 8,052 homes in Palm Bay 32908, it is worth more than 5% of them ($217,100 against a typical $321,931), its price per square foot is higher than 98% of them ($246 against a typical $181), it is bigger than almost none of them (882 ft² against a typical 1,821 ft²), its lot is bigger than 61% of them (0.23 ac against a typical 0.23 ac) and it is newer than almost none of them (1983 against a typical 2007). Measured against all of Brevard County, it is worth more than 16% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 638 White Cloud St Sw, Palm Bay, FL?

The 2025 property tax bill for 638 White Cloud St Sw, Palm Bay, FL was $1,518. The county assessed it at $139,240.

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