
1098 HAMMACHER AVENUE SW, PALM BAY, FL, 32908
Active1 days on marketListed Aug 28, 2026MLS #S5156568
About this home
1098 HAMMACHER AVENUE SW
Virtually Staged. There's a moment every relocating buyer has: standing in a driveway, looking at a house, and just knowing. This is that house. You're not buying used. You're not buying "good enough for now." You're buying brand new construction with the upgrades most builders make you pay extra for already done: quartz countertops, dark matte fixtures throughout, soft-close cabinetry, and tile flooring that runs from room to room without a single seam of compromise. Every wall, every fixture, every finish has zero miles on it. No previous owner's decisions to undo. No inspection surprises waiting behind the drywall. Palm Bay sits at the quiet end of Florida's 72-mile Space Coast, and that's not a marketing phrase, it's the actual name of this stretch of coastline. You're minutes from the Atlantic. You're roughly 35 to 45 minutes from a rocket launch at Kennedy Space Center, and on clear evenings, you don't have to drive anywhere at all: the sky does that for you. Port Canaveral, one of the busiest cruise ports on Earth, is a straightforward drive up I-95. Melbourne's riverfront restaurants, live music, and Indian River Lagoon boat tours (dolphins and manatees included) are close enough for a Tuesday night, not just a special occasion. No HOA means no one telling you what color to paint your door or whether you can park your boat in the driveway. This is Florida ownership on your terms, in a city that's still affordable enough to buy into before everyone else figures out what Palm Bay is becoming. If you're leaving New York, New Jersey, Chicago, DC, or California behind, you already know what you're trading up for: space, sun, and a state that doesn't tax you for staying alive. This house is where that trade actually lands. Come see it. You'll know within thirty seconds if this is the one.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,845
Sqft
0.23 ac
Lot size
4
Garage
2026
Year built
One
Levels
$216
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.
$2,724 /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
$2,724/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
+8.5%
Days on market
1 vs 42 typical
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 32908 — neighborhood snapshot
Population
14,970
Median age
38.3
Median income
$66,589
Median home value
$265,500
Avg household
3.08
Households w/ children
1,917
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)
Median sold price, Palm Bay, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 747% above the PALM BAY 32908 median. See the full Palm Bay market guide →
Paper trail
This home's history
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
Kaylie Mickle
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1098 HAMMACHER AVENUE SW — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1098 HAMMACHER AVENUE SW — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kaylie's phone and CRM.
Straight answers
1098 HAMMACHER AVENUE SW FAQs
What would the monthly payment be for 1098 HAMMACHER AVENUE SW?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,724/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 1098 HAMMACHER AVENUE SW?+
The most recent tax bill on record (2025) was $541. 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 1098 HAMMACHER AVENUE SW?+
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 $398,000, this home is listed about 17% 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 1098 HAMMACHER AVENUE SW?+
Lockmar Elementary School (elementary), Central Middle School (middle), Heritage High School (high) — Brevard County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of EXP REALTY LLC · Paula Cordova Ibanez. MLS #S5156568.
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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