165 FERGUSON STREET SW, PALM BAY, FL, 32908
Active923 days on marketListed Jan 26, 2024MLS #A4597220
About this home
165 FERGUSON STREET SW
RARE 3 Lot Parcel in Palm Bay! Three lots available next to each other! SOLD TOGETHER for 180K! Now is your chance to own a total of .69 acres and build your own oasis or perfect for an investment property. Lots of privacy! Only an hour and a half from Disney! Palm Bay is close to Melbourne and Orlando International Airports and Port Canaveral. Palm Bay is one of Central Florida's best kept secrets, a hidden gem rich with natural resources enjoyed by those adventurous enough to discover all this area provides. Drive by today and imagine the possibilities!
Facts & features
The home at a glance
0.23 ac
Lot size
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 — not generic estimates.
$1,319 /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
$1,319/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.
Where it sits
Inside The Compound
Get to know Palm Bay. See the full Palm Bay guide →
The Compound — neighborhood snapshot
Population
2,892
Median age
39
Median income
$60,410
Median home value
$265,758
Avg household
3
Households w/ children
405
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 → $328K
Palm Bay median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
Median sold price, Palm Bay, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 283% above the PALM BAY 32908 median. See the full Palm Bay market guide →
Paper trail
This home's history
Reality check
What actually sold near 165 FERGUSON STREET SW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$339,243
2990 LAKELAND AVENUE SW · same community
3 bd · 2 ba · 1,808 sqft · $188/sqft · 201 DOM
Sold · Jun ’26$315,000
2720 HAGUE AVENUE SW · same community
3 bd · 2 ba · 1,808 sqft · $174/sqft · 53 DOM
Sold · Jun ’26$320,990
124 LABRA ROAD SW · same community
3 bd · 2 ba · 1,808 sqft · $178/sqft · 42 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 165 FERGUSON STREET SW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 165 FERGUSON STREET SW — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
165 FERGUSON STREET SW FAQs
What would the monthly payment be for 165 FERGUSON STREET SW?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,319/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 165 FERGUSON STREET SW?+
The most recent tax bill on record (2023) was $240. 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 165 FERGUSON STREET SW?+
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 $180,000, this home is listed about 49% below the Palm Bay median of $354,200. The market section on this page shows how the area is trending.
Which schools are assigned to 165 FERGUSON STREET SW?+
Westside Elementary School (elementary), Bayside High School (high), Southwest Middle School (middle) — Brevard County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$180,000 runs 283% above the PALM BAY 32908 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
923 days on market against a Palm Bay median of 44 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Michael Wooldridge. MLS #A4597220.
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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