865 CANADA STREET NE, PALM BAY, FL, 32905
Active156 days on marketListed Jun 3, 2026MLS #A4695867
About this home
865 CANADA STREET NE
Investor special! Opportunity awaits in Palm Bay! This 4-bedroom, 1.5-bath home offers over 1,500 square feet of living space on a spacious corner lot in the established Port Malabar community. The single-story layout features a large living area, laminate, tile, and vinyl flooring throughout, central air conditioning, and a functional kitchen with ample cabinet space. Outside, you'll find a covered carport and a generously sized yard with plenty of room for outdoor living, gardening, or future improvements. Conveniently located near shopping, dining, schools, parks, major roadways, and the Indian River, this property offers easy access to everything Palm Bay has to offer. Whether you're looking for a primary residence, investment property, or renovation project, this home presents excellent potential.
Facts & features
The home at a glance
4
Bedrooms
1.5
Bathrooms
1,519
Sqft
0.2 ac
Lot size
1970
Year built
One
Levels
$143
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,028 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,028/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Palm Bay actives
$143 vs $186
Days on market
156 vs 58 typical
Where $143/sqft sits among the 157 Palm Bay actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
The numbers that matter
The Palm Bay market
$305K → $331K
Palm Bay median sold, yr/yr
98.2%
Sale-to-list ratio (12 mo)
86 of 157
Palm Bay actives have cut their price
Median sold price, Palm Bay, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 32% below the Palm Bay median. See the full Palm Bay market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 865 CANADA STREET NE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 865 CANADA STREET NE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
865 CANADA STREET NE FAQs
What would the monthly payment be for 865 CANADA STREET NE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,028/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 865 CANADA STREET NE?+
The most recent tax bill on record (2025) was $3,345. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Bay?+
At $217,500, this home is listed about 32% below the Palm Bay median of $319,900. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the Palm Bay market on paper
$217,500 is 32% below the Palm Bay median of $319,900, and at $143/sqft it sits under the Palm Bay average of $188.
02Time on market is leverage
156 days on market against a Palm Bay median of 58 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $249,000, now $217,500 — a $32K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ELEVATE REALTY LLC · Laura Auten. MLS #A4695867.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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