1661 PALATKA ROAD SE, PALM BAY, FL, 32909
Pending30 days on marketListed Aug 21, 2026MLS #O6435685
About this home
1661 PALATKA ROAD SE
Welcome to this beautiful 4-bedroom, 2-bath home in Palm Bay's Port Malabar community. Built in 2020, this well-maintained home offers 1,860 square feet of living space with an open floor plan, spacious kitchen, comfortable living and dining areas, a 2-car garage, screened patio and private backyard. MAJOR BONUS — SOLAR INCLUDED! This home features an installed solar energy system that will be included with the property at no additional cost to the buyer. Enjoy the benefits of an existing solar system without the expense of purchasing the system separately. With NO HOA, you'll have the freedom to enjoy your property without monthly association fees. Conveniently located near schools, shopping, dining and major roadways, this home combines newer construction, space and convenience in one attractive package. BUYER INCENTIVE: Seller is offering up to $5,000 toward buyer's closing costs with use of seller's preferred lender, subject to lender approval, loan program requirements and applicable guidelines. Don't miss this opportunity to own a newer 4-bedroom Palm Bay home with solar already included. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,860
Sqft
0.23 ac
Lot size
2
Garage
2020
Year built
One
Levels
$161
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.
$2,358 /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
$2,358/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.
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
−15.9%
$/sqft vs Palm Bay actives
$161 vs $191
Days on market
30 vs 42 typical
Where $161/sqft sits among the 165 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.
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 →
The numbers that matter
The Palm Bay market
$306K → $325K
Palm Bay median sold, yr/yr
98.2%
Sale-to-list ratio (12 mo)
75 of 165
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 300% above the PALM BAY 32909 median. See the full Palm Bay market guide →
Paper trail
This home's history
Reality check
What actually sold near 1661 PALATKA ROAD SE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$368,485
1586 PALEY CIRCLE SE · same community
4 bd · 2 ba · 1,828 sqft · $202/sqft · 0 DOM
Sold · Mar ’26$329,000
1631 PALATKA ROAD SE · same community
4 bd · 2 ba · 1,801 sqft · $183/sqft · 94 DOM
Sold · Feb ’26$329,890
1380 SE PARAMOUNT STREET · same community
3 bd · 2 ba · 1,504 sqft · $219/sqft · 55 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1661 PALATKA ROAD SE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1661 PALATKA ROAD SE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1661 PALATKA ROAD SE FAQs
What would the monthly payment be for 1661 PALATKA ROAD SE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,358/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 1661 PALATKA ROAD SE?+
The most recent tax bill on record (2025) was $3,595. 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 $299,900, this home is listed about 12% below the Palm Bay median of $341,495. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY CW PROPERTIES L · Melvin Kelly. MLS #O6435685.
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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