RAMSEY, PALM BAY, FL, 32909
Active700 days on marketListed Sep 1, 2024MLS #O6237474
About this home
RAMSEY
Build your dream home or invest in this prime CORNER lot in the growing city of Palm Bay, FL! Located in a quiet, established neighborhood, this spacious property offers endless possibilities—perfect for your custom build or as a smart investment for the future. Enjoy the convenience of nearby schools, shopping, and easy access to major highways, all while being just a short drive from Florida’s beautiful beaches. Don’t miss the chance to own a piece of this desirable area. Call now!! Motivated seller! Excellent opportunity Don't miss this opportunity!
Facts & features
The home at a glance
0.24 ac
Lot size
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.
$441 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$441/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.
Where it sits
Inside Palm Bay
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Bay. See the full Palm Bay guide →
PALM BAY 32909 — neighborhood snapshot
Population
39,611
Median age
37.9
Median income
$76,708
Median home value
$261,400
Avg household
2.99
Households w/ children
5,283
For the school run
Brevard County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Bay market
$306K → $329K
Palm Bay median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
Median sold price, Palm Bay, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 58% below the PALM BAY 32909 median. See the full Palm Bay market guide →
Paper trail
This home's history
Reality check
What actually sold near RAMSEY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$245,000
2861 DETACHED CIRCLE SE
3 bd · 2 ba · 948 sqft · $258/sqft · 102 DOM
Sold · Feb ’26$245,000
2861 DETACHED CIRCLE SE
3 bd · 2 ba · 948 sqft · $258/sqft · 0 DOM
Sold · Jul ’26$225,000
1680 TRAVIS STREET SE
3 bd · 2 ba · 1,092 sqft · $206/sqft · 53 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
Arlinda Gokyar
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about RAMSEY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for RAMSEY — before you fall in love.
See it in person
Schedule a tour
Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
RAMSEY FAQs
What would the monthly payment be for RAMSEY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $441/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 RAMSEY?+
The most recent tax bill on record (2023) was $487. 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 $38,000, this home is listed about 89% below the Palm Bay median of $350,000. The market section on this page shows how the area is trending.
Which schools are assigned to RAMSEY?+
Columbia Elementary School (elementary), Southwest Middle School (middle), Bayside High School (high) — Brevard County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PALM BAY 32909 market on paper
$38,000 is 58% below the PALM BAY 32909 median of $90,000.
02Time on market is leverage
700 days on market against a Palm Bay median of 31 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $45,000, now $38,000 — a $7K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY CW PROPERTIES L · Carolina Lujan. MLS #O6237474.
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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