
1025 MORGAN CIRCLE NE, PALM BAY, FL, 32905
Active59 days on marketListed May 21, 2026MLS #TB8510296
About this home
1025 MORGAN CIRCLE NE
Luxury lakefront pool home in the highly desirable Pinewood Estates community of NE Palm Bay! Built in 2015, this stunning 4-bedroom, 3-bath home sits on an oversized 9,000+ sq ft lot and features one of the few private saltwater pools in the area with a waterfall and screened lanai overlooking peaceful lake views. Inside, enjoy an open floor plan with soaring 11-foot ceilings, tile flooring throughout major living areas, decorative arches, and elegant chandeliers. The kitchen features 42-inch cabinets with crown molding, stainless steel appliances, and overlooks the family and dining areas. The split floor plan offers privacy with a spacious primary suite featuring dual vanities, walk-in shower, two linen closets, and large walk-in closet. Additional highlights include a den/home office, indoor laundry room, brand-new AC, and 2-car garage. Conveniently located near shopping, dining, I-95, and Florida beaches. Experience luxury living in the highly sought-after Pinewood Estates community of NE Palm Bay with this stunning 4-bedroom, 3-bathroom lakefront pool home built in 2015. Situated on an oversized 9,000+ sq ft lot, this move-in-ready home offers an open floor plan, split-bedroom layout, soaring 11-foot ceilings, and elegant architectural details throughout. One of the few homes with a private saltwater pool in Northeast Palm Bay, this property delivers the ultimate Florida lifestyle with a screened lanai, waterfall feature, and peaceful lake views. Inside, the spacious chef-inspired kitchen features 42-inch cabinets with crown molding, stainless steel appliances, abundant counter space, and overlooks the family room, dining room, and dinette area -- perfect for entertaining. Tile flooring flows throughout the major living spaces, while decorative arches and chandeliers add elegance and character to the home. The large primary suite is privately located away from the guest bedrooms and includes a spacious ensuite bathroom with dual vanities, walk-in shower, two linen closets, and a large walk-in closet. Three additional guest bedrooms plus a dedicated den/home office provide flexibility for families, guests, or remote work needs. Additional features include a brand-new AC system, indoor laundry room, two-car garage, split floor plan, lakefront backyard, and spacious living areas designed for comfort and functionality. Conveniently located near shopping, dining, schools, parks, I-95, and just a short drive to Florida's Space Coast beaches, this NE Palm Bay pool home combines modern construction, luxury upgrades, and waterfront living in one exceptional property. Schedule your private showing today. Rare Palm Bay pool homes with lake views and this level of upgrades do not last long.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,365
Sqft
0.21 ac
Lot size
2
Garage
2015
Year built
One
Levels
$197
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.
$3,466 /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
$3,466/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.
$/sqft vs Palm Bay actives
$197 vs $210
Days on market
59 vs 31 typical
Where $197/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 Port Malabar Country Club
Drive times from this address
Get to know Palm Bay. See the full Palm Bay guide →
Port Malabar Country Club — neighborhood snapshot
Population
5,466
Median age
47
Median income
$47,689
Median home value
$200,040
Avg household
2
Households w/ children
610
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)
97 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 71% above the PALM BAY 32905 median. See the full Palm Bay market guide →
Paper trail
This home's history
Reality check
What actually sold near 1025 MORGAN CIRCLE NE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$650,000
209 N PINE AVENUE · same community
4 bd · 3 ba · 2,253 sqft · $289/sqft · 203 DOM
Sold · Jun ’26$849,000
836 34th Avenue, Vero Beach FL 32960 · same community
3 bd · 2 ba · 2,188 sqft · $388/sqft · 20 DOM
Sold · Jan ’26$322,500
155 SE 12TH AVENUE · same community
3 bd · 2 ba · 2,643 sqft · $122/sqft · 118 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 1025 MORGAN CIRCLE NE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1025 MORGAN CIRCLE NE — 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
1025 MORGAN CIRCLE NE FAQs
What would the monthly payment be for 1025 MORGAN CIRCLE NE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,466/mo — principal and interest, the actual property-tax bill, the $58/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 1025 MORGAN CIRCLE NE?+
The association fee works out to $58 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1025 MORGAN CIRCLE NE?+
The most recent tax bill on record (2025) was $3,659. 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 1025 MORGAN CIRCLE NE?+
The listing reports pets: Cats OK, Dogs OK. 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 $465,000, this home is listed about 33% 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 1025 MORGAN CIRCLE NE?+
Riviera Elementary School (elementary), Palm Bay Magnet Senior High School (high), Stone Magnet Middle School (middle) — 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 · Juan Rodriguez. MLS #TB8510296.
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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