2565 STILLWATER LAKES DRIVE SW, PALM BAY, FL, 32908
Active536 days on marketListed Feb 25, 2025MLS #O6284423
About this home
2565 STILLWATER LAKES DRIVE SW
Located in the private, gated community of Stillwater Lakes, this 1.23 acre waterfront lot offers a rare opportunity to build your dream home in a private enclave designed for water sports enthusiasts. With 125 feet of pristine lake frontage, this property provides breathtaking sunrise views and direct access to two private, man-made ski lakes custom-built for competitive water skiing. The community, consisting of only 18 estate-sized lots, ensures a tranquil and private setting while offering world-class skiing conditions year-round. Stillwater Lakes is renowned for hosting sanctioned three-event water ski tournaments and features exceptional amenities, including two slalom courses, two jump ramps, two docks, two pavilions, a boat ramp, and a designated storage area for boats and trailers. The lot has been cleared, and is ready for construction with city water and sewer available for hookup. Ideally situated just 30 min to the beach and a 15 min short drive to I-95, this exceptional property provides the perfect balance of privacy, convenience, and premier access to one of the finest water ski communities in the world.
Facts & features
The home at a glance
1.23 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 and the real association fee — not generic estimates.
$2,038 /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
$2,038/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 Bayside Lakes
Get to know Palm Bay. See the full Palm Bay guide →
Bayside Lakes — neighborhood snapshot
Population
5,006
Median age
44
Median income
$110,989
Median home value
$325,463
Avg household
3
Households w/ children
695
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 → $328K
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 323% above the PALM BAY 32908 median. See the full Palm Bay market guide →
Paper trail
This home's history
Reality check
What actually sold near 2565 STILLWATER LAKES DRIVE SW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$253,000
583 Jewell Street SE, Palm Bay FL 32909
3 bd · 2 ba · 1,169 sqft · $216/sqft · 28 DOM
Sold · Mar ’26$262,000
2898 HAGDOM AVENUE SE
3 bd · 2 ba · 1,374 sqft · $191/sqft · 58 DOM
Sold · Dec ’25$235,000
620 REMINGTON GREEN DRIVE SE UNIT 105
2 bd · 2 ba · 1,394 sqft · $169/sqft · 115 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 2565 STILLWATER LAKES DRIVE SW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2565 STILLWATER LAKES DRIVE SW — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2565 STILLWATER LAKES DRIVE SW FAQs
What would the monthly payment be for 2565 STILLWATER LAKES DRIVE SW?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,038/mo — principal and interest, the actual property-tax bill, the $403/mo association fee 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.
How much are the HOA fees at 2565 STILLWATER LAKES DRIVE SW?+
The association fee works out to $403 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2565 STILLWATER LAKES DRIVE SW?+
The most recent tax bill on record (2024) was $2,586. 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 2565 STILLWATER LAKES DRIVE SW?+
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 Palm Bay?+
At $199,000, this home is listed about 43% 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 2565 STILLWATER LAKES DRIVE SW?+
Bayside High School (high), Westside Elementary School (elementary), Southwest Middle School (middle) — Brevard County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$199,000 runs 323% above the PALM BAY 32908 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
536 days on market against a Palm Bay median of 42 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of DAILLAND REAL ESTATE · Thibaut Dailland. MLS #O6284423.
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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