185 JOY HAVEN DRIVE, SEBASTIAN, FL, 32958
Active69 days on marketListed May 21, 2026MLS #L4961961
About this home
185 JOY HAVEN DRIVE
Welcome to this beautifully updated home in the heart of Sebastian, where comfort, style, and Florida living come together, featuring waterfront living with your own freshwater canal backyard—perfect for fishing, relaxing, and enjoying the Florida lifestyle. This home offers immediate value and long-term savings with solar panels that will be fully paid off at closing with an accepted contract, along with a roof replaced in 2021, a new water heater, and a septic drain field replaced in 2013, giving buyers peace of mind from day one. The home also features the added convenience of a central vacuum system. Inside, you’ll find a bright and inviting layout featuring updated flooring, modern finishes, and a clean, move-in-ready feel. The kitchen has been thoughtfully upgraded with stylish cabinetry, solid surface countertops, stainless steel appliances, and custom touches that give the space both character and functionality. The bathrooms have also been tastefully updated, including a beautifully remodeled walk-in shower that adds a spa-like feel to the home. Step outside and this home truly separates itself—situated on a freshwater canal, offering a peaceful setting right in your backyard. Whether you enjoy fishing, relaxing by the water, or simply taking in the view, this is a feature that enhances everyday living and adds lasting value. The outdoor space is designed for entertaining and unwinding, making it easy to enjoy Florida’s year-round lifestyle. The property also features a raised garden area along with an irrigation system supplied from the canal, helping maintain the landscaping efficiently and cost effectively. Located just minutes from the Indian River, waterfront parks, boat ramps, and Sebastian’s local dining and charm, this home offers both convenience and a true coastal lifestyle feel. Move-in ready with major upgrades already completed—this is a rare opportunity to own a home that blends efficiency, style, and location. Schedule your private showing today—homes with this combination of features don’t last.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,719
Sqft
0.23 ac
Lot size
2
Garage
1999
Year built
One
Levels
$291
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 — not generic estimates.
$3,619 /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
$3,619/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
+33%
$/sqft vs SEBASTIAN HIGHLANDS
$291 vs $222
Days on market
69 vs 42 typical
Where $291/sqft sits among the 13 homes for sale in SEBASTIAN HIGHLANDS
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 Sebastian Highlands
Get to know Sebastian. See the full Sebastian guide →
Sebastian Highlands — neighborhood snapshot
Population
20,759
Median age
57
Median income
$69,843
Median home value
$272,805
Avg household
2
Households w/ children
1,359
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 Sebastian market
$250K → $348K
Sebastian median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
6 of 13
SEBASTIAN HIGHLANDS have cut their price
Median sold price, Sebastian, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 37% above the SEBASTIAN 32958 median. See the full Sebastian market guide →
Paper trail
This home's history
Reality check
What actually sold near 185 JOY HAVEN DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$340,000
1049 Gardenia Street, Sebastian FL 32958 · same community
3 bd · 2 ba · 1,702 sqft · $200/sqft · 23 DOM
Sold · Nov ’25$405,000
Nearby listing · same community
3 bd · 2 ba · 1,753 sqft · $231/sqft · 5 DOM
Sold · May ’26$365,000
1485 BEVAN DRIVE · same community
3 bd · 2 ba · 1,753 sqft · $208/sqft · 177 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 185 JOY HAVEN DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 185 JOY HAVEN DRIVE — 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
185 JOY HAVEN DRIVE FAQs
What would the monthly payment be for 185 JOY HAVEN DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,619/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 185 JOY HAVEN DRIVE?+
The most recent tax bill on record (2025) was $3,538. 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 185 JOY HAVEN DRIVE?+
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 Sebastian?+
At $500,000, this home is listed about 50% above the Sebastian median of $334,000. The market section on this page shows how the area is trending.
Which schools are assigned to 185 JOY HAVEN DRIVE?+
Sebastian River Middle School (middle), Sebastian River High School (high), Sebastian Elementary School (elementary) — Indian River County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY SMART 1 · Sam Daniels. MLS #L4961961.
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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