4774 NAVAHO TRAIL, MERRITT ISLAND, FL, 32953
Active2 days on marketListed Nov 4, 2026MLS #O6454675
About this home
4774 NAVAHO TRAIL
Experience the best of Merritt Island living in the desirable Indian Bay Estates community, just moments from the beautiful Indian River Lagoon! Situated on over half an acre, this spacious 3-bedroom, 2.5-bath pool home offers more than 2,800 square feet of living space, lake views, and a setting that captures the relaxed Florida lifestyle. Inside, you’ll find a remodeled kitchen, multiple living areas, a sunken family room with a wood-burning fireplace, and a spacious sunroom overlooking the pool. The flexible layout provides plenty of room for entertaining, working from home, or creating spaces that fit your lifestyle. Outside, enjoy your own private retreat with an in-ground swimming pool, fenced backyard, and plenty of room to relax or entertain. A circular driveway welcomes you at the front of the property, while a separate rear driveway leads to the two-car garage. With road frontage on both sides, the property offers convenient access, additional parking flexibility, and a feature rarely found in traditional residential settings. Indian Bay Estates is an established waterfront-oriented community offering a peaceful residential atmosphere, spacious homesites, and a private community boat launch with access to the Indian River. Spend your weekends boating, fishing, kayaking, or exploring the scenic waterways of the Space Coast. Conveniently located near Kennedy Space Center, Port Canaveral, beautiful beaches, shopping, dining, and major roadways. With its generous homesite, private pool, dual road access, and exceptional proximity to the Indian River Lagoon, this property offers a unique opportunity to enjoy everything that makes Merritt Island living special.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,871
Sqft
0.57 ac
Lot size
2
Garage
1981
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 and the real association fee — not generic estimates.
$4,592 /mo · 10% down Conventional, 30-yr fixed at 7.5%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,592/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−7.7%
$/sqft vs Merritt Island actives
$209 vs $250
Days on market
2 vs 53 typical
Where $209/sqft sits among the 37 Merritt Island 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 Merritt Island
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Merritt Island. See the full Merritt Island guide →
MERRITT ISLAND 32953 — neighborhood snapshot
Population
24,759
Median age
49.1
Median income
$87,262
Median home value
$419,200
Avg household
2.52
Households w/ children
2,543
For the school run
Brevard County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Merritt Island market
$430K → $530K
Merritt Island median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
20 of 37
Merritt Island actives have cut their price
Median sold price, Merritt Island, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 92% above the MERRITT ISLAND 32953 median. See the full Merritt Island market guide →
Paper trail
This home's history
Reality check
What actually sold near 4774 NAVAHO TRAIL
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$699,900
649 MANDALAY GROVE COURT
4 bd · 3 ba · 2,746 sqft · $255/sqft · 1 DOM
Sold · Aug ’26$635,000
4240 N TROPICAL TRAIL
4 bd · 2.5 ba · 3,005 sqft · $211/sqft · 6 DOM
Sold · Dec ’25$712,000
390 TREASURE LAGOON LANE
4 bd · 3 ba · 2,701 sqft · $264/sqft · 74 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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4774 NAVAHO TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4774 NAVAHO TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4774 NAVAHO TRAIL FAQs
What would the monthly payment be for 4774 NAVAHO TRAIL?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $4,592/mo — principal and interest, the actual property-tax bill, the $29/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 4774 NAVAHO TRAIL?+
The association fee works out to $29 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4774 NAVAHO TRAIL?+
The most recent tax bill on record (2025) was $4,840. 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 4774 NAVAHO TRAIL?+
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 Merritt Island?+
At $599,900, this home is listed about 17% above the Merritt Island median of $511,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4774 NAVAHO TRAIL?+
Merritt Island High School (high), Mila Elementary School (elementary), Thomas Jefferson Middle School (middle) — Brevard County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$599,900 runs 92% above the MERRITT ISLAND 32953 median — but at 2,871 sqft it's also 70% larger than the typical Merritt Island listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 2 days on market in a Merritt Island market that averages 53 — if it fits, move quickly.
04Strong assigned schools
Merritt Island High School, Mila Elementary School, Thomas Jefferson Middle School — Thomas Jefferson Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of MARK SPAIN REAL ESTATE · David DeCristo. MLS #O6454675.
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.
Never miss a listing
New Merritt Island homes, in your inbox
Like 4774 NAVAHO TRAIL but not quite? A daily digest of every new listing in Merritt Island — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Colleen to ping you on any price or status change →