118 BAY DRIVE N, INDIAN HARBOUR BEACH, FL, 32937
Active39 days on marketListed Sep 28, 2026MLS #N6145875
About this home
118 BAY DRIVE N
Welcome to beachside paradise at 118 Bay Drive North, nestled on a prime corner lot in Indian Harbour Beach where tranquil park setting meets effortless coastal living. Step straight out your back door into the sprawling 27-acre grounds of beloved Gleason Park, an incredible extension of your backyard featuring scenic walking paths around the lake, playgrounds, beautiful natural scenery, and a large heated community pool. Less than a mile from the soft sands of the Atlantic Ocean, this fully furnished 3-bedroom, 2-bathroom pool home is loaded with exquisite attention to detail and comes completely turn-key—ready to enjoy on day one. Because short-term rentals are permitted in Indian Harbour Beach and there are no HOA restrictions, this property offers incredible financial flexibility. Utilize it as an investment property, a seasonal retreat that generates income to offset expenses while you're away, or your dream full-time home in paradise.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,400
Sqft
0.21 ac
Lot size
2
Garage
1965
Year built
One
Levels
$446
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.
$4,990 /mo · 10% down Conventional, 30-yr fixed at 7.5%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,990/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
vs edgeAI estimate
+60.4%
Days on market
39 vs 15 typical
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.
Where it sits
Inside Golden Beach Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Indian Harbour Beach. See the full Indian Harbour Beach guide →
Golden Beach Estates — neighborhood snapshot
Population
465
Median age
35
Median income
$66,601
Median home value
$356,600
Avg household
2
Households w/ children
34%
For the school run
Brevard County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Indian Harbour Beach market
$600K → $710K
Indian Harbour Beach median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
Median sold price, Indian Harbour Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 25% above the INDIAN HARBOUR BEACH 32937 median. See the full Indian Harbour Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 118 BAY DRIVE N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$519,000
918 BLUEWATER DRIVE · same community
3 bd · 2 ba · 1,800 sqft · $288/sqft · 0 DOM
Sold · Oct ’26$392,000
2103 PARKSIDE PLACE UNIT 2103
2 bd · 2 ba · 1,426 sqft · $275/sqft · 0 DOM
Sold · Dec ’25$327,000
1132 PINETREE DRIVE
3 bd · 2 ba · 1,439 sqft · $227/sqft · 6 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 118 BAY DRIVE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 118 BAY DRIVE N — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
118 BAY DRIVE N FAQs
What would the monthly payment be for 118 BAY DRIVE N?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $4,990/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 118 BAY DRIVE N?+
The most recent tax bill on record (2025) was $7,954. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 118 BAY DRIVE N?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Indian Harbour Beach?+
At $625,000, this home is listed about 9% above the Indian Harbour Beach median of $575,000. The market section on this page shows how the area is trending.
Which schools are assigned to 118 BAY DRIVE N?+
Ocean Breeze Elementary School (elementary), Satellite Senior High School (high), Herbert C. Hoover Middle School (middle) — Brevard County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$625,000 runs 25% above the INDIAN HARBOUR BEACH 32937 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
39 days on market against a Indian Harbour Beach median of 15 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Ocean Breeze Elementary School, Satellite Senior High School, Herbert C. Hoover Middle School — Ocean Breeze Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Bethany Behrmann. MLS #N6145875.
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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