5 VISTA GARDENS TRAIL UNIT 104, VERO BEACH, FL, 32962
Active4 days on marketListed Nov 2, 2026MLS #TB8563577
About this home
5 VISTA GARDENS TRAIL UNIT 104
Welcome to the best value in Vista Gardens! This clean first-floor 1 bedroom, 1 bath condo gives you easy, low-maintenance living in one of Vero Beach’s most established 55+ communities. Vista Gardens is set among mature tropical landscaping and offers a heated infinity pool, hot tub, clubhouse, fitness center, tennis and pickleball courts, shuffleboard, billiards, ping pong, a library, an on-site restaurant, community laundry and a full calendar of bingo, cards and social activities. The community sits next to the historic McKee Botanical Garden and borders the lagoon and the Savannas preserve. A public golf course is right next door with membership available. Beaches are about 2 miles away, and shopping, dining, grocery stores and the Cleveland Clinic hospital are all just minutes away. Quick access to US-1 makes getting around Vero Beach easy. Whether you want a full-time home, a seasonal getaway or a place to downsize, this unit gives you the Vista Gardens lifestyle at a price that’s hard to beat. Schedule your showing today!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
630
Sqft
60.46 ac
Lot size
1981
Year built
One
Levels
$111
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.
$1,177 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$1,177/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−24.1%
$/sqft vs Vero Beach actives
$111 vs $233
Days on market
4 vs 22 typical
Where $111/sqft sits among the 19 Vero Beach 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 Vista Gardens
Get to know Vero Beach. See the full Vero Beach guide →
Vista Gardens — neighborhood snapshot
Population
652
Median age
73
Median income
$50,481
Median home value
$232,000
Avg household
2
For the school run
Indian River County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Vero Beach market
$361K → $410K
Vero Beach median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
7 of 19
Vero Beach actives have cut their price
Median sold price, Vero Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 50% below the VERO BEACH 32962 median. See the full Vero Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 5 VISTA GARDENS TRAIL UNIT 104
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$115,000
7 VISTA GARDENS TRAIL UNIT 105 · same community
1 bd · 2 ba · 750 sqft · $153/sqft · 89 DOM
Sold · Apr ’26$275,000
135 10TH AVENUE
2 bd · 2 ba · 985 sqft · $279/sqft · 0 DOM
Sold · Sep ’26$75,000
57 WOODLAND DRIVE UNIT 102
2 bd · 2 ba · 1,000 sqft · $75/sqft · 60 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5 VISTA GARDENS TRAIL UNIT 104 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5 VISTA GARDENS TRAIL UNIT 104 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5 VISTA GARDENS TRAIL UNIT 104 FAQs
What would the monthly payment be for 5 VISTA GARDENS TRAIL UNIT 104?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,177/mo — principal and interest, the actual property-tax bill, the $465/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 5 VISTA GARDENS TRAIL UNIT 104?+
The association fee works out to $465 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5 VISTA GARDENS TRAIL UNIT 104?+
The most recent tax bill on record (2025) was $486. 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 5 VISTA GARDENS TRAIL UNIT 104?+
The listing reports pets: No. 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 Vero Beach?+
At $69,999, this home is listed about 81% below the Vero Beach median of $376,990. The market section on this page shows how the area is trending.
Which schools are assigned to 5 VISTA GARDENS TRAIL UNIT 104?+
Vero Beach Elementary School (elementary), Oslo Middle School (middle), Vero Beach High School (high) — Indian River County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of GREAT WESTERN REALTY · Andy Mejia. MLS #TB8563577.
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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