181 HAMMOCK ROAD SE, PALM BAY, FL, 32909
Active21 days on marketListed Aug 30, 2026MLS #O6437279
About this home
181 HAMMOCK ROAD SE
Discover the perfect blend of unique charm and spacious living in this Palm Bay home! From the moment you walk in, you will love the easy maintenance lifestyle of having tile flooring throughout the entire house. The heart of the home centers around a gorgeous stone fireplace in the family room, creating a warm and cozy focal point for gatherings. Home chefs will enjoy the thoughtfulness of a convenient built-in cutting board in the kitchen. This property offers a private backyard complete with a functional outdoor shed for extra storage and perfect for entertaining with its screened in pool deck. And if you love fruit trees, we have a lemon and lime tree, pineapple plant, banana tree, mango and avocado! Best of all, the pool is salt water and solar heated! Tucked away on a street with quick access to local parks, major employers, I-95, shopping, and dining, this turn-key home is ready for its next owner. Schedule your tour today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,706
Sqft
0.23 ac
Lot size
2
Garage
1991
Year built
One
Levels
$202
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.
$2,786 /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
$2,786/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
−7%
$/sqft vs Palm Bay actives
$202 vs $191
Days on market
21 vs 42 typical
Where $202/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
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)
76 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 360% 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 181 HAMMOCK 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 · Nov ’25$271,000
299 AINSLEY STREET SE · same community
3 bd · 2 ba · 1,756 sqft · $154/sqft · 6 DOM
Sold · Nov ’25$257,000
131 HAMMOCK ROAD SE · same community
3 bd · 2 ba · 1,641 sqft · $157/sqft · 4 DOM
Sold · Dec ’25$370,000
1551 JENSON TERRACE SE · same community
3 bd · 2 ba · 1,637 sqft · $226/sqft · 32 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 181 HAMMOCK ROAD SE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 181 HAMMOCK ROAD SE — 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
181 HAMMOCK ROAD SE FAQs
What would the monthly payment be for 181 HAMMOCK ROAD SE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,786/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 181 HAMMOCK ROAD SE?+
The most recent tax bill on record (2025) was $5,310. 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 $345,000, this home is listed about 1% above 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 LIGHTHOUSE REALTY GROUP OF FLORIDA · Sasha McKown. MLS #O6437279.
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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