Eric Chery
$465,0004 bd3 ba2,365 sqft$197 /sqft$3,466 /mo all-in ↓

1025 MORGAN CIRCLE NE, PALM BAY, FL, 32905

Active59 days on marketListed May 21, 2026MLS #TB8510296

Private poolSingle Family ResidencePINEWOOD ESTATES

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

Private poolNegotiable

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Stone Counters · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingElectric
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesWest
ParkingDriveway · Garage Door Opener · Ground Level
ExteriorHurricane Shutters · Irrigation System · Private Yard · Rain Gutters

Community & fees

HOA fee$58/mo
Taxes (2025)$3,659/yr
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Phone Available · Public · Sewer Connected · Sprinkler Well · Street Lights · Underground Utilities · Water Connected
WaterPublic

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%

Principal & interest$2,737
FHA mortgage insurance (est.)$206
Property tax — 2025 actual bill$305
HOA fee — from the listing$58
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,275Loan30-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

Run your own numbers

Loan type
Down payment3.5% · $16,275
Interest rate6.00%
Loan term

Estimated payment

$3,466/mo

Principal & interest$2,737
FHA mortgage insurance (est.)$206
Property taxes (actual bill)$305
HOA / condo fee$58
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.

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

235 · this home
18
9
26
28
40
$159–247$247–335$335–423$423–511$511–599$599+

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

Map of 1025 MORGAN CIRCLE NE inside its neighborhood boundary

Drive times from this address

Orlando Int’l Airport (MCO)64 min
Downtown Orlando69 min

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

ElementaryRiviera Elementary School★★★★★
HighPalm Bay Magnet Senior High School★★★★
MiddleStone Magnet Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Bay market

Seller’s marketBalanced5.9 months of inventoryBuyer’s 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

May 21, 2026Listed at $465,000 · 59 days on market since
2015Built · PINEWOOD ESTATES

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.

209 N PINE AVENUESold · Mar ’26

$650,000

209 N PINE AVENUE · same community

4 bd · 3 ba · 2,253 sqft · $289/sqft · 203 DOM

836 34th Avenue, Vero Beach FL 32960Sold · Jun ’26

$849,000

836 34th Avenue, Vero Beach FL 32960 · same community

3 bd · 2 ba · 2,188 sqft · $388/sqft · 20 DOM

155 SE 12TH AVENUESold · 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.

Eric Chery

Your agent

Eric Chery

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1025 MORGAN CIRCLE NE — start here.

Andrew Acosta

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.

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.

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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