1420 Dittmer Circle SE, Palm Bay FL 32909, PALM BAY, FL, 32909
Active131 days on marketListed Apr 4, 2026MLS #B26011829
About this home
1420 Dittmer Circle SE, Palm Bay FL 32909
Come fall in love with this beautifully maintained 3-bedroom, 2-bath home located in the desirable Heron Bay at Waterstone community. Enjoy relaxing lake views with stunning sunsets from your own home. This residence features numerous upgrades including roof(2023), hurricane shutters and exterior painting offering both style and peace of mind. A pride of ownership in this home offers a wonderful opportunity to enjoy comfortable living in a sought after community setting. Located near shopping, restaurants and more.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,260
Sqft
0.14 ac
Lot size
2
Garage
2014
Year built
1
Levels
$237
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.
$2,469 /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
$2,469/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.
vs edgeAI estimate
−4.2%
$/sqft vs WATERSTONE
$237 vs $185
Days on market
131 vs 42 typical
Where $237/sqft sits among the 20 homes for sale in WATERSTONE
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 Palm Bay
Get to know Palm Bay. See the full Palm Bay guide →
PALM BAY 32909 — neighborhood snapshot
Population
39,611
Median age
37.9
Median income
$76,708
Median home value
$261,400
Avg household
2.99
Households w/ children
5,283
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)
4 of 20
WATERSTONE have cut their price
Median sold price, Palm Bay, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 271% 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 1420 Dittmer Circle SE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$289,584
501 MOONSTONE COURT · same community
3 bd · 2.5 ba · 1,558 sqft · $186/sqft · 122 DOM
Sold · Jun ’26$273,000
7643 WATERSCAPE DRIVE · same community
3 bd · 2.5 ba · 1,558 sqft · $175/sqft · 45 DOM
Sold · Jan ’26$285,000
507 MOONSTONE COURT · same community
3 bd · 2.5 ba · 1,558 sqft · $183/sqft · 108 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 1420 Dittmer Circle SE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1420 Dittmer Circle SE — 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
1420 Dittmer Circle SE FAQs
What would the monthly payment be for 1420 Dittmer Circle SE, Palm Bay FL 32909?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,469/mo — principal and interest, the actual property-tax bill, the $145/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 1420 Dittmer Circle SE, Palm Bay FL 32909?+
The association fee works out to $145 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1420 Dittmer Circle SE, Palm Bay FL 32909?+
The most recent tax bill on record (2025) was $3,296. 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 1420 Dittmer Circle SE, Palm Bay FL 32909?+
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 $298,500, this home is listed about 15% below the Palm Bay median of $350,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1420 Dittmer Circle SE, Palm Bay FL 32909?+
Columbia Elementary School (elementary), Southwest Middle School (middle), Bayside High School (high) — 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
$298,500 runs 271% above the PALM BAY 32909 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
131 days on market against a Palm Bay median of 42 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
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 Miami Association of REALTORS®.
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