230 RIDGEMONT CIRCLE, PALM BAY, FL, 32909
Active91 days on marketListed Apr 24, 2026MLS #O6401661
About this home
230 RIDGEMONT CIRCLE
Tucked behind the gates of an exclusive community, this stunning residence offers a lifestyle that feels like home-but better. Light filled living spaces create an inviting flow, opening to your private outdoor oasis with a screened-in pool and covered lanai-perfect for entertaining or watching the sunsets. Peaceful water views stretch beyond the backyard, adding a rare sense of privacy and calm. A standout feature is the private in-law suite, ideal for guests, multi-generational living, or income potential, with the opportunity to convert into a two-bedroom suite for added flexibility. This is more than a home-it's a lifestyle upgrade, blending comfort, versatility, and serene surroundings
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,412
Sqft
0.27 ac
Lot size
2
Garage
2004
Year built
One
Levels
$245
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.
$4,136 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,136/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Palm Bay actives
$245 vs $209
Days on market
91 vs 31 typical
Where $245/sqft sits among the 356 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 → $329K
Palm Bay median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
94 of 356
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 628% 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 230 RIDGEMONT CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$420,000
589 LAMON AVENUE SW
4 bd · 3 ba · 2,431 sqft · $173/sqft · 0 DOM
Sold · Jul ’25$565,000
684 STONEBRIAR DRIVE SE
4 bd · 3 ba · 2,304 sqft · $245/sqft · 46 DOM
Sold · Jul ’26$382,500
1540 HOPE COURT SE
3 bd · 2 ba · 2,531 sqft · $151/sqft · 103 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 230 RIDGEMONT CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 230 RIDGEMONT CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
230 RIDGEMONT CIRCLE FAQs
What would the monthly payment be for 230 RIDGEMONT CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,136/mo — principal and interest, the actual property-tax bill, the $64/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 230 RIDGEMONT CIRCLE?+
The association fee works out to $64 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 230 RIDGEMONT CIRCLE?+
The most recent tax bill on record (2025) was $6,081. 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 230 RIDGEMONT CIRCLE?+
The listing reports pets: Breed Restrictions, 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 $590,000, this home is listed about 69% above the Palm Bay median of $350,000. The market section on this page shows how the area is trending.
Which schools are assigned to 230 RIDGEMONT CIRCLE?+
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.
The brief
Four things that matter here
01Positioned at the premium end
$590,000 runs 628% above the PALM BAY 32909 median — but at 2,412 sqft it's also 32% larger than the typical Palm Bay listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
91 days on market against a Palm Bay median of 31 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $599,900, now $590,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL LIFE PROPERTIES LLC · Johna Jennings. MLS #O6401661.
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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