, PALM BAY, FL, 32909
Active295 days on marketListed Oct 3, 2025MLS #R11129314
About this home
Large Holiday Builders Home in beautiful The Lakes at Waterstone. 3/2/2 with a large den/office, open floor plan. 42'' cabinets, California closets, new ceiling fans, SS appliances, granite countertops, large pantry, porcelain tile throughout, terracotta barrel tile roof, tropical landscaping, resort like community, w/tennis court, large community pool, clubhouse, fitness center. Lake view from patio, enhancing the stunning sunsets. Close to school, 10 min to shopping, 20 min to beach. Welcome to vacation style living. rmszappr&sub2err.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,081
Sqft
0.15 ac
Lot size
2
Garage
2016
Year built
1
Levels
$168
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.
$3,320 /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
$3,320/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.
$/sqft vs Palm Bay actives
$168 vs $210
Days on market
295 vs 31 typical
Where $168/sqft sits among the 351 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 →
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
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 → $329K
Palm Bay median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
92 of 351
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 332% 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
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$335,000
1657 Dittmer Circle SE, Palm Bay FL 32909 · same community
4 bd · 2.5 ba · 2,479 sqft · $135/sqft · 72 DOM
Sold · Aug ’25$340,000
1230 Waterford, Palm Bay FL 32909
4 bd · 2 ba · 2,052 sqft · $166/sqft · 35 DOM
Sold · Aug ’25$348,000
786 TITAN ROAD SE
4 bd · 3 ba · 2,005 sqft · $174/sqft · 66 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
Jessica Stickler
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for — before you fall in love.
See it in person
Schedule a tour
Live availability from Jessica's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
FAQs
What would the monthly payment be for ?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,320/mo — principal and interest, the actual property-tax bill, the $430/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 ?+
The association fee works out to $430 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on ?+
The most recent tax bill on record (2024) was $6,176. 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 ?+
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 $349,999, this home is priced right at the Palm Bay median.
Which schools are assigned to ?+
Columbia Elementary School (elementary), Southwest Middle School (middle), Bayside High School (high) — 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
$349,999 runs 332% above the PALM BAY 32909 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
295 days on market against a Palm Bay median of 31 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $424,000, now $349,999 — a $74K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
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 Miami Association of REALTORS®.
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