197 BRANDY CREEK CIRCLE SE, PALM BAY, FL, 32909
Active30 days on marketListed Aug 21, 2026MLS #S5155232
About this home
197 BRANDY CREEK CIRCLE SE
Paid-off solar, major upgrades, and resort-style amenities, this move-in ready home has it all! Offering 4 bedrooms, plus a loft or 5th bedroom, 3 bathrooms, 2,580 sq ft, soaring ceilings, and a 3-car garage, there's room for everyone. The mother-in-law suite features a private bath and screened porch access, perfect for guests, multigenerational living, or a home office. Enjoy peace of mind with a 2021 roof, 2025 HVAC, 2024 water heater, 2023 water softener, 2023 gutters, new toilets, and a 2021 solar system paid off at closing. A private irrigation well helps reduce water costs. Relax in the screened porch overlooking the fenced backyard. Located in a gated community with a resort-style pool, clubhouse, pickleball, tennis, RV & boat storage, and just minutes to shopping, dining, I-95, and Florida's beautiful beaches.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,580
Sqft
0.33 ac
Lot size
3
Garage
2005
Year built
Two
Levels
$191
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.
$3,876 /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
$3,876/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
+10.2%
$/sqft vs Palm Bay actives
$191 vs $192
Days on market
30 vs 42 typical
Where $191/sqft sits among the 164 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 Bayside Lakes
Get to know Palm Bay. See the full Palm Bay guide →
Bayside Lakes — neighborhood snapshot
Population
5,006
Median age
44
Median income
$110,989
Median home value
$325,463
Avg household
3
Households w/ children
695
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)
74 of 164
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 557% 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 197 BRANDY CREEK CIRCLE SE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$520,000
1748 WINDING RIDGE CIRCLE SE
4 bd · 3 ba · 2,578 sqft · $202/sqft · 177 DOM
Sold · Jul ’26$382,500
1540 HOPE COURT SE
3 bd · 2 ba · 2,531 sqft · $151/sqft · 103 DOM
Sold · Sep ’26$590,000
1831 WINDING RIDGE CIRCLE SE
4 bd · 3 ba · 2,507 sqft · $235/sqft · 0 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 197 BRANDY CREEK CIRCLE SE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 197 BRANDY CREEK CIRCLE SE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
197 BRANDY CREEK CIRCLE SE FAQs
What would the monthly payment be for 197 BRANDY CREEK CIRCLE SE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,876/mo — principal and interest, the actual property-tax bill, the $85/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 197 BRANDY CREEK CIRCLE SE?+
The association fee works out to $85 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 197 BRANDY CREEK CIRCLE SE?+
The most recent tax bill on record (2025) was $6,133. 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 197 BRANDY CREEK CIRCLE SE?+
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 $493,000, this home is listed about 44% 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 197 BRANDY CREEK CIRCLE SE?+
Bayside High School (high), Westside Elementary School (elementary), Southwest Middle School (middle) — Brevard County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Daniel Driskell. MLS #S5155232.
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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