1135 SIBONEY STREET NW, PALM BAY, FL, 32907
Active181 days on marketListed Feb 15, 2026MLS #O6382756
About this home
1135 SIBONEY STREET NW
This beautifully refreshed three-bedroom home offers a seamless blend of modern upgrades and a rare, flexible financing opportunity that is hard to find in today’s market. From the moment you step through the front door, the home feels bright and contemporary, thanks to the luxury vinyl flooring that stretches across the entire floor plan. This durable, stylish flooring provides a cohesive look while standing up to the demands of daily life and pets. The heart of the home is the newer kitchen, which has been thoughtfully updated with modern cabinetry and ample counter space, making it as functional as it is attractive. To ensure total peace of mind, the property features a brand-new AC system, offering high-efficiency climate control and saving the next owner from the expense of major immediate maintenance. Practicality continues with the attached one-car garage, providing secure parking and additional storage options. Stepping out back, you will find an impressively large backyard that serves as a private oasis. The expansive lot offers plenty of room for a pool, a massive garden, or a safe play area. Perhaps the most enticing feature of this property is the seller’s willingness to hold a private mortgage. This unique arrangement opens the door for buyers who may want to bypass traditional bank red tape, offering a more personalized and streamlined path to homeownership. Whether you are a first-time buyer or looking for a solid investment, this move-in-ready home provides the perfect foundation for your future. Call Kim for financing details.
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
955
Sqft
0.23 ac
Lot size
1
Garage
1985
Year built
One
Levels
$283
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.
$2,063 /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
$2,063/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
+37.7%
$/sqft vs PORT MALABAR UNIT 14
$283 vs $205
Days on market
181 vs 42 typical
Where $283/sqft sits among the 7 homes for sale in PORT MALABAR UNIT 14
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 32907 — neighborhood snapshot
Population
48,352
Median age
44.5
Median income
$71,827
Median home value
$253,700
Avg household
2.9
Households w/ children
5,037
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)
0 of 7
PORT MALABAR UNIT 14 have cut their price
Median sold price, Palm Bay, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 16% below the PALM BAY 32907 median. See the full Palm Bay market guide →
Paper trail
This home's history
Reality check
What actually sold near 1135 SIBONEY STREET NW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$190,000
1095 DORCHESTER ROAD NW · same community
2 bd · 1 ba · 855 sqft · $222/sqft · 0 DOM
Sold · Mar ’26$279,000
421 NW HELICON AVENUE NW · same community
3 bd · 2 ba · 1,535 sqft · $182/sqft · 95 DOM
Sold · Dec ’25$258,750
370 NW Ixora, Palm Bay FL 32907 · same community
3 bd · 2 ba · 1,664 sqft · $155/sqft · 336 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 1135 SIBONEY STREET NW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1135 SIBONEY STREET NW — 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
1135 SIBONEY STREET NW FAQs
What would the monthly payment be for 1135 SIBONEY STREET NW?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,063/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 1135 SIBONEY STREET NW?+
The most recent tax bill on record (2025) was $2,333. 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 1135 SIBONEY STREET NW?+
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 $269,900, this home is listed about 23% 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 1135 SIBONEY STREET NW?+
Lockmar Elementary School (elementary), Southwest Middle School (middle), Palm Bay Magnet Senior 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
01Under the PALM BAY 32907 market on paper
$269,900 is 16% below the PALM BAY 32907 median of $321,950.
02Time on market is leverage
181 days on market against a Palm Bay median of 42 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $284,900, now $269,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MILLENNIUM REALTY OF SO FL INC · Ilene Pontillo. MLS #O6382756.
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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