5045 Harmony Circle # 209, Vero Beach FL 32967, VERO BEACH, FL, 32967
Active73 days on marketListed May 27, 2026MLS #B26033448
About this home
5045 Harmony Circle # 209, Vero Beach FL 32967
tunning top-floor "penthouse-style" condo updated & ready-for-occupancy location offers breathtaking views of a serene lake and the picturesque 18th fairway of the River Course from a European style screened patio this spacious condo features 2 bedrooms, 2 bathrooms Plus a large Den providing ample space for comfortable living and entertaining. Elevated ceilings open up a spacious floor plan. This unit is Conveniently located close to both the elevator and stairwell. The community pool/spa is just across the driveway so only a short 2-minute walk to enjoy the facilities Fully protected from any weather challenges with accordion storm shutters this unit offers excellent opportunity for anyone seeking an entry investment into the coveted Grand Harbor lifestyle. No outstanding assessments! Easy to show as the unit is vacant for the summer
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,486
Sqft
0 ac
Lot size
1988
Year built
1
Levels
$219
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.
$3,148 /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
$3,148/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
−47.1%
$/sqft vs Vero Beach actives
$219 vs $249
Days on market
73 vs 57 typical
Where $219/sqft sits among the 400 Vero Beach 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 Grand Harbor
Get to know Vero Beach. See the full Vero Beach guide →
Grand Harbor — neighborhood snapshot
Population
2,530
Median age
70
Median income
$120,023
Median home value
$480,804
Avg household
2
Households w/ children
62%
For the school run
Indian River County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Vero Beach market
$441K → $385K
Vero Beach median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
49 of 400
Vero Beach actives have cut their price
Median sold price, Vero Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 22% below the VERO BEACH 32967 median. See the full Vero Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 5045 Harmony Circle # 209
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$330,000
Nearby listing · same community
2 bd · 2 ba · 1,486 sqft · $222/sqft · 242 DOM
Sold · Mar ’26$292,500
5025 Harmony Circle Circle # 103, Vero Beach FL 32967 · same community
2 bd · 2 ba · 1,368 sqft · $214/sqft · 11 DOM
Sold · Dec ’25$260,000
5045 Harmony Cir # 205, Vero Beach FL 32967 · same community
2 bd · 2 ba · 1,368 sqft · $190/sqft · 63 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 5045 Harmony Circle # 209 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5045 Harmony Circle # 209 — 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
5045 Harmony Circle # 209 FAQs
What would the monthly payment be for 5045 Harmony Circle # 209, Vero Beach FL 32967?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,148/mo — principal and interest, the actual property-tax bill, the $524/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 5045 Harmony Circle # 209, Vero Beach FL 32967?+
The association fee works out to $524 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5045 Harmony Circle # 209, Vero Beach FL 32967?+
The most recent tax bill on record (2025) was $4,880. 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 5045 Harmony Circle # 209, Vero Beach FL 32967?+
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 Vero Beach?+
At $325,000, this home is listed about 28% below the Vero Beach median of $450,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5045 Harmony Circle # 209, Vero Beach FL 32967?+
Gifford Middle School (middle), Beachland Elementary School (elementary), Vero Beach High School (high) — Indian River County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the VERO BEACH 32967 market on paper
$325,000 is 22% below the VERO BEACH 32967 median of $415,450, and at $219/sqft it sits under the Vero Beach average of $360.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $524/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong assigned schools
Gifford Middle School, Beachland Elementary School, Vero Beach High School — Beachland Elementary School rates 4 of 5. Always verify assignments with the district.
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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