891 MERRIMAC STREET SE, PALM BAY, FL, 32909
Active28 days on marketListed Sep 15, 2026MLS #O6442101
About this home
891 MERRIMAC STREET SE
NEW BUYER INCENTIVE! SELLER OFFERING $5,000 TOWARD BUYER’S ALLOWABLE CLOSING COSTS WITH AN ACCEPTABLE CONTRACT! Welcome home to this inviting Palm Bay residence offering comfortable living space, flexible bonus areas, and a spacious fenced backyard with two separate areas. The home features a newer roof (2022) and upgraded vinyl flooring installed throughout the home in 2022, creating a fresh and cohesive feel. The spacious great room provides a comfortable gathering space for family and friends, while the kitchen includes all appliances for easy everyday living and entertaining. Ceiling fans are located throughout the bedrooms and living areas for added comfort. Enjoy Florida living from the covered, screened-in Florida room—perfect for morning coffee, relaxing with a good book, or gathering with family and friends. In addition to the three bedrooms reflected in public records, the home offers two additional bonus rooms that provide valuable flexibility for an in-law suite, home office, hobby space, guest room, or additional living needs. The seller has personally measured approximately 1,869 square feet of heated and air-conditioned space; buyers and their agents are encouraged to independently verify all measurements and intended use of rooms. Step outside to the spacious, fenced backyard, thoughtfully divided into two separate areas with plenty of room for outdoor entertaining, gardening, pets, play, or simply enjoying the Florida sunshine. There is room to create the outdoor space that fits your lifestyle. Conveniently located in Palm Bay with easy access to shopping, dining, groceries, major roadways, and I-95. Nearby Liberty Park offers a variety of recreational amenities, including playgrounds, lit basketball courts, bike/hike/jogging trails, a lit roller-skating rink, lit softball fields, sports facilities, picnic and pavilion areas, restrooms, water fountains, and more. Whether you’re looking for a comfortable home with flexible living space, room for guests or hobbies, or a spacious outdoor area to enjoy, this Palm Bay home offers a wonderful combination of updates, versatility, and Florida living. Come see all this home is offering!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,869
Sqft
0.23 ac
Lot size
2
Garage
1988
Year built
One
Levels
$158
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.
$2,353 /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
$2,353/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
+13.1%
$/sqft vs Palm Bay actives
$158 vs $189
Days on market
28 vs 67 typical
Where $158/sqft sits among the 155 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 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
The numbers that matter
The Palm Bay market
$306K → $330K
Palm Bay median sold, yr/yr
98.2%
Sale-to-list ratio (12 mo)
74 of 155
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 28% 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 891 MERRIMAC STREET SE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$339,900
871 FLETCHER ROAD SE · same community
3 bd · 2 ba · 1,783 sqft · $191/sqft · 0 DOM
Sold · Mar ’26$200,000
1190 GRAPEFRUIT ROAD SE · same community
3 bd · 2 ba · 1,634 sqft · $122/sqft · 103 DOM
Sold · Dec ’25$185,000
711 AVALON STREET SE · same community
3 bd · 2 ba · 1,621 sqft · $114/sqft · 10 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 891 MERRIMAC STREET SE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 891 MERRIMAC STREET 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
891 MERRIMAC STREET SE FAQs
What would the monthly payment be for 891 MERRIMAC STREET SE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,353/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 891 MERRIMAC STREET SE?+
The most recent tax bill on record (2025) was $3,913. 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 891 MERRIMAC STREET SE?+
The listing reports pets: Cats OK, Dogs OK. 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 $294,900, this home is listed about 9% below the Palm Bay median of $324,950. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of MCGLAMERY WILSON REALTY · Paula Harpole. MLS #O6442101.
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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