150 UTOPIA CIRCLE, MERRITT ISLAND, FL, 32952
Active356 days on marketListed Aug 7, 2025MLS #O6334299
About this home
150 UTOPIA CIRCLE
You won't find a better DEAL in BREVARD County!! Discover one of the county's most unique communities with 1-acre lots and a private 21-slip marina! Nestled between the Banana and Indian Rivers on scenic S. Tropical Trail, this 5,000+ SF home is a boater's paradise, a mechanic's dream, and a movie lover's retreat. It offers 4 beds, 4 baths, an office, a theater room, and a 4-car garage. Enjoy true island living on 1 acre with an RV pad and an 8k-lb lift in your dedicated marina slip. The fully fenced yard is framed by oaks, coconut palms, and lush tropical landscaping. A screened, heated saltwater pool with hot tub and bar creates the perfect entertaining space. Inside, a split floor plan provides privacy, enhanced by high coffered ceilings and three fireplaces. The gourmet kitchen is ideal for chefs, while the 900-sf owner's retreat boasts a private balcony and spa-style bath. Home warranty included! Metal roof (2015), solar attic fans (2025), and newer AC (2024). **Assumable VA loan 2.85%**
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
5,308
Sqft
1 ac
Lot size
4
Garage
1988
Year built
Two
Levels
$216
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.
$6,942 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,942/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Merritt Island actives
$216 vs $252
Days on market
356 vs 51 typical
Where $216/sqft sits among the 41 Merritt Island 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 Merritt Island
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Merritt Island. See the full Merritt Island guide →
MERRITT ISLAND 32952 — neighborhood snapshot
Population
21,354
Median age
50.4
Median income
$98,651
Median home value
$404,000
Avg household
2.47
Households w/ children
1,920
For the school run
Brevard County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Merritt Island market
$430K → $607K
Merritt Island median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
24 of 41
Merritt Island actives have cut their price
Median sold price, Merritt Island, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 92% above the MERRITT ISLAND 32952 median. See the full Merritt Island market guide →
Paper trail
This home's history
Reality check
What actually sold near 150 UTOPIA CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$2,080,000
240 UTOPIA CIRCLE · same community
6 bd · 5.5 ba · 6,637 sqft · $313/sqft · 140 DOM
Sold · Apr ’26$1,080,000
140 UTOPIA CIRCLE · same community
4 bd · 4 ba · 3,194 sqft · $338/sqft · 86 DOM
Sold · Dec ’25$2,080,000
Nearby listing · same community
6 bd · 5.5 ba · 147 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 150 UTOPIA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 150 UTOPIA CIRCLE — 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
150 UTOPIA CIRCLE FAQs
What would the monthly payment be for 150 UTOPIA CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,942/mo — principal and interest, the actual property-tax bill, the $81/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 150 UTOPIA CIRCLE?+
The association fee works out to $81 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 150 UTOPIA CIRCLE?+
The most recent tax bill on record (2024) was $838. 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 150 UTOPIA CIRCLE?+
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 Merritt Island?+
At $1,149,000, this home is listed about 155% above the Merritt Island median of $449,900. The market section on this page shows how the area is trending.
Which schools are assigned to 150 UTOPIA CIRCLE?+
Tropical Elementary School (elementary), Thomas Jefferson Middle School (middle), Merritt Island High School (high) — Brevard County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$1,149,000 runs 92% above the MERRITT ISLAND 32952 median — but at 5,308 sqft it's also nearly 3 times the size of the typical Merritt Island listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
356 days on market against a Merritt Island median of 51 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Tropical Elementary School, Thomas Jefferson Middle School, Merritt Island High School — Thomas Jefferson Middle School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $1,350,000, now $1,149,000 — a $201K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX DOWNTOWN · Laura Johnston. MLS #O6334299.
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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