
1098 HAMMACHER AVENUE SW, PALM BAY, FL, 32908
Active11 days on marketListed Sep 9, 2026MLS #S5157293
About this home
1098 HAMMACHER AVENUE SW
Virtually Staged. There's a moment every renter lives when they find the one: standing at the entryway, looking at the house, and just knowing. This is that house. You're not renting something used. You're not settling for "good enough for now." You're living in brand new construction with finishes most rentals don't even offer: quartz countertops, matte black hardware, soft close cabinets, and porcelain tile that runs room to room without a single seam of compromise. Every wall, every finish, every detail has zero miles on it. No prior tenant's wear to overlook. No maintenance surprises waiting behind the drywall. Palm Bay sits on the quiet end of Florida's Space Coast, a 72 mile stretch of coastline, and that's not a marketing phrase, it's the actual name of this coastal region. You're minutes from the Atlantic. You're roughly 35 to 45 minutes from a rocket launch at Kennedy Space Center, and on clear nights, you don't even have to drive there: the sky handles that for you. Port Canaveral, one of the busiest cruise ports in the world, is a straight shot down I-95. Riverfront dining in Melbourne, live music, and boat tours through the Indian River Lagoon (dolphins and manatees included) are close enough for a random Tuesday outing, not just a special occasion. Living here is Florida on your own terms, without the responsibilities of ownership, in a city that's still accessible enough to settle into before everyone else catches on to what Palm Bay is about to become. If you're leaving New York, New Jersey, Chicago, D.C., or California behind, you already know why it's worth it: space, sun, and a different pace of life, without the commitment of buying. This house is where that change becomes real, no long term strings attached. Come see it. You'll know in 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
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$178 /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
$178/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$1 vs $191
Days on market
11 vs 42 typical
Where $1/sqft sits among the 166 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 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)
76 of 166
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 95% below the PALM BAY 32908 median. See the full Palm Bay market guide →
Paper trail
This home's history
Reality check
What actually sold near 1098 HAMMACHER AVENUE SW
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$295,000
1460 DE GROODT ROAD SW · same community
4 bd · 2 ba · 1,851 sqft · $159/sqft · 90 DOM
Sold · Dec ’25$314,990
527 FALMOUTH STREET SW · same community
4 bd · 2 ba · 1,811 sqft · $174/sqft · 44 DOM
Sold · Dec ’25$319,990
1451 SCHMITT AVENUE SW · same community
3 bd · 2 ba · 1,811 sqft · $177/sqft · 59 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
Anealya Hammad
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
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
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 $178/mo — principal and interest, estimated property taxes 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.
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 $2,499, this home is listed about 99% below 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.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Paula Cordova Ibanez. MLS #S5157293.
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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