CENTURY 21 Edge
$55,000≈$648 /mo all-in ↓

GOLDEN CIRCLE NW, PALM BAY, FL, 32905

Active20 days on marketListed Sep 23, 2026MLS #S5158129

✦ Priced 79% below the PALM BAY 32905 median

About this home

GOLDEN CIRCLE NW

OPPORTUNITY AWAITS! ???? Come home to this peaceful, mature community located just moments from the beach. Enjoy a quiet, established neighborhood atmosphere with the ultimate coastal convenience. Message me today for details or to schedule a private tour! Build your home here!

Facts & features

The home at a glance

0.1 ac

Lot size

Pets allowed

Inside

Outside & construction

Community & fees

HOA fee$83/mo
Taxes (2025)$680/yr
PetsYes

Utilities & systems

UtilitiesPublic
WaterNone

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.

$648 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$324
FHA mortgage insurance (est.)$24
Property tax — 2025 actual bill$57
HOA fee — from the listing$83
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $1,925Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Get my real numbersCall

Run your own numbers

Loan type
Down payment3.5% · $1,925
Interest rate6.00%
Loan term

Estimated payment

$648/mo

Principal & interest$324
FHA mortgage insurance (est.)$24
Property taxes (actual bill)$57
HOA / condo fee$83
Est. insurance$160

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.

Where it sits

Inside Palm Bay

Drive times from this address

Orlando Int’l Airport (MCO)≈ 64 min
Downtown Orlando≈ 71 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Palm Bay. See the full Palm Bay guide →

PALM BAY 32905 — neighborhood snapshot

Population

24,473

Median age

45.4

Median income

$56,671

Median home value

$206,200

Avg household

2.25

Households w/ children

2,227

The numbers that matter

The Palm Bay market

Seller’s marketLeans seller — 4.7 months of inventoryBuyer’s market

$306K → $330K

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 79% below the PALM BAY 32905 median. See the full Palm Bay market guide →

Paper trail

This home's history

Sep 23, 2026Listed at $55,000 · 20 days on market since

Reality check

What actually sold near GOLDEN CIRCLE NW

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

709 CUXHAVEN STREET NWSold · Sep ’26

$209,000

709 CUXHAVEN STREET NW

3 bd · 2 ba · 1,056 sqft · $198/sqft · 0 DOM

1234 KARLOVY AVENUE NWSold · Dec ’25

$229,000

1234 KARLOVY AVENUE NW

3 bd · 2 ba · 1,056 sqft · $217/sqft · 0 DOM

1234 KARLOVY AVENUE NWSold · Dec ’25

$229,000

1234 KARLOVY AVENUE NW

2 bd · 2 ba · 1,056 sqft · $217/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.

John Carpenter

Your agent

John Carpenter

CFO/Broker · CENTURY 21 Edge

Tours, negotiation, and every question about GOLDEN CIRCLE NW — start here.

CallText
john@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for GOLDEN CIRCLE NW — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

GOLDEN CIRCLE NW FAQs

What would the monthly payment be for GOLDEN CIRCLE NW?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $648/mo — principal and interest, the actual property-tax bill, the $83/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 GOLDEN CIRCLE NW?+

The association fee works out to $83 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on GOLDEN CIRCLE NW?+

The most recent tax bill on record (2025) was $680. 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 GOLDEN CIRCLE NW?+

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 $55,000, this home is listed about 83% below the Palm Bay median of $324,950. The market section on this page shows how the area is trending.

Keep looking

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Listing courtesy of FUSILIER REALTY GROUP HARMONY. MLS #S5158129.

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GOLDEN CIRCLE NW, PALM BAY, FL — $55,000 | CENTURY 21 Edge