490 CAROLINA AVENUE NW, PALM BAY, FL, 32907
Active18 days on marketListed Sep 2, 2026MLS #O6438160
About this home
490 CAROLINA AVENUE NW
Brand New Construction! Never Lived In! Welcome to this beautifully designed 4-bedroom, 3-bathroom new construction home, ideally located in the heart of Palm Bay, just 30 minutes from the beach, with easy access to I-95, Publix, Walmart Supercenter, and one of the area’s top community parks. Step inside to a bright, open-concept layout where the kitchen truly shines: sleek gray cabinetry, elegant white quartz countertops, and high-end appliances create the perfect space for cooking and entertaining. The living and dining areas flow seamlessly together, all tied together by warm, wood-look vinyl flooring that gives the entire home a cozy, welcoming feel from the moment you walk in. The split floor plan offers privacy and comfort, with a convenient Jack-and-Jill bathroom connecting two of the secondary bedrooms. The true showstopper, however, is the oversized primary suite, a spa-like retreat featuring floor-to-ceiling upgraded tile in the walk-in shower and a full accent wall, a separate upgraded soaking tub for ultimate relaxation, and not one but two spacious walk-in closets for all your storage needs. Outside, the possibilities are endless. Set on a flat, quarter-acre lot, this backyard is a blank canvas! Plenty of room for a future pool, outdoor kitchen, garden, playset, or whatever fits your lifestyle. A two-car garage and an extended driveway provide ample parking for family and guests, all within a quiet, well-established neighborhood. Everything here is brand new! No wear, no updates needed, just move in and make it your own. Schedule your private showing today and be the very first to call this stunning home yours!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,860
Sqft
0.24 ac
Lot size
2
Garage
2026
Year built
One
Levels
$209
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.
$2,668 /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
$2,668/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
+5.5%
$/sqft vs Palm Bay actives
$209 vs $191
Days on market
18 vs 42 typical
Where $209/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 →
PALM BAY 32907 — neighborhood snapshot
Population
48,352
Median age
44.5
Median income
$71,827
Median home value
$253,700
Avg household
2.9
Households w/ children
5,037
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 → $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 30% above the PALM BAY 32907 median. See the full Palm Bay market guide →
Paper trail
This home's history
Reality check
What actually sold near 490 CAROLINA AVENUE NW
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$345,000
521 GARBELMANN STREET SW · same community
4 bd · 2 ba · 1,800 sqft · $192/sqft · 277 DOM
Sold · Feb ’26$370,000
770 CARLYLE AVENUE SE · same community
4 bd · 2 ba · 1,996 sqft · $185/sqft · 73 DOM
Sold · Jun ’26$325,000
218 EVERGREEN STREET NE · same community
4 bd · 2 ba · 1,712 sqft · $190/sqft · 86 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 490 CAROLINA AVENUE NW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 490 CAROLINA AVENUE NW — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
490 CAROLINA AVENUE NW FAQs
What would the monthly payment be for 490 CAROLINA AVENUE NW?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,668/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 490 CAROLINA AVENUE NW?+
The most recent tax bill on record (2025) was $551. 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 490 CAROLINA AVENUE NW?+
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 $389,000, this home is listed about 14% above the Palm Bay median of $341,495. The market section on this page shows how the area is trending.
Which schools are assigned to 490 CAROLINA AVENUE NW?+
Lockmar Elementary School (elementary), Southwest Middle School (middle), Palm Bay Magnet Senior High School (high) — Brevard County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of WRA BUSINESS & REAL ESTATE · Poliana De Souza. MLS #O6438160.
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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