3920 FOGGY MIST ROAD SE, PALM BAY, FL, 32909
Active502 days on marketListed Apr 1, 2025MLS #O6291321
About this home
3920 FOGGY MIST ROAD SE
Welcome to your dream home in the vibrant community of Palm Bay, Florida! This stunning newly listed residence features 4 spacious bedrooms and 2 well-appointed bathrooms. Spread over 2,380 square feet of beautifully designed interior space, this house promises comfortable and stylish living. Step into a welcoming environment where each room harmoniously blends functionality with aesthetic appeal. The primary bedroom serves as a peaceful retreat, offering ample space and serenity. Situated in a friendly neighborhood, this home is not just about comfort and style but also about convenience and accessibility. It lies within a short distance to Bayside High School, ensuring your educational needs are easily met without compromising on tranquility. For your daily conveniences, the Publix Super Market at the Shoppes at Cypress Bay is just a stone's throw away, making grocery shopping a breeze. The Bayside Lakes Blvd SE at Bayside Lakes Plaza offers nearby bus services, enhancing your connectivity to other parts of the city. Nature enthusiasts will appreciate the proximity to Micco Scrub Sanctuary, a local park that provides a perfect backdrop for morning jogs or leisurely evening walks amidst the beauty of Florida’s natural landscape. This property is not just a house; it's a perfect blend of lifestyle and location. Whether you're bustling about the town or enjoying a quiet day at home, this residence offers everything needed for a fulfilling and convenient lifestyle. This home is equipped with solar panels, allowing for significant savings on energy bills while reducing your carbon footprint. One of the standout features of this property is its transferable solar panel financing. The current owners have installed the solar system with a low-interest, transferable loan, which means you can continue to enjoy the benefits of the solar power system while assuming the remaining debt under favorable terms. This is an excellent opportunity to transition to a more sustainable lifestyle with minimal upfront costs, Welcome home!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,918
Sqft
0.14 ac
Lot size
2
Garage
2022
Year built
One
Levels
$188
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.
$2,921 /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
$2,921/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
+3.9%
$/sqft vs Palm Bay actives
$188 vs $208
Days on market
502 vs 42 typical
Where $188/sqft sits among the 368 Palm Bay 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 Palm Bay
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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)
94 of 368
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 347% 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 3920 FOGGY MIST ROAD SE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$340,000
1230 Waterford, Palm Bay FL 32909
4 bd · 2 ba · 2,052 sqft · $166/sqft · 35 DOM
Sold · Apr ’26$340,000
3257 WARSAW AVENUE SE UNIT 30
3 bd · 2 ba · 1,684 sqft · $202/sqft · 9 DOM
Sold · Feb ’26$323,000
2361 COGAN DRIVE SE UNIT 32
3 bd · 2 ba · 1,684 sqft · $192/sqft · 112 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 3920 FOGGY MIST ROAD SE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3920 FOGGY MIST ROAD 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
3920 FOGGY MIST ROAD SE FAQs
What would the monthly payment be for 3920 FOGGY MIST ROAD SE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,921/mo — principal and interest, the actual property-tax bill, the $78/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 3920 FOGGY MIST ROAD SE?+
The association fee works out to $78 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3920 FOGGY MIST ROAD SE?+
The most recent tax bill on record (2024) was $4,855. 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 3920 FOGGY MIST ROAD SE?+
The listing reports pets: Cats OK, Dogs OK, 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 $360,000, this home is listed about 3% 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 3920 FOGGY MIST ROAD SE?+
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
Four things that matter here
01Positioned at the premium end
$360,000 runs 347% above the PALM BAY 32909 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
502 days on market against a Palm Bay median of 42 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $392,000, now $360,000 — a $32K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Raul Perez Dagluck. MLS #O6291321.
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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