450 TOPEKA, PALM BAY, FL, 32908
Active37 days on marketListed Jun 16, 2026MLS #O6417109
About this home
450 TOPEKA
- Welcome to 450 Topeka Rd, Palm Bay, FL — a ranch-style home offering a great opportunity to add your personal style while benefiting from several major system updates already completed. Located in an established neighborhood, this property is ideal for buyers looking for value, functionality, and room to make improvements over time. Inside, you’ll find a functional layout with minor cosmetic updates needed throughout, giving the next owner the chance to customize and create their ideal space. The bathroom remains in original condition and presents an excellent renovation opportunity. Recent improvements include a new AC unit, new water softener system, and new refrigerator and stove, helping reduce immediate expenses on key components. Needs cosmetics updating and Roof. Additional updates to consider include future roof replacement, window modernization, and cosmetic enhancements—making this a strong option for buyers wanting to build equity while creating a home that fits their vision. Conveniently located in growing Palm Bay with access to shopping, dining, parks, and Florida’s beautiful Space Coast amenities. Schedule your showing today and imagine the possibilities this home can bring! Investors special!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,056
Sqft
0.23 ac
Lot size
2
Garage
1988
Year built
One
Levels
$185
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.
$1,433 /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
$1,433/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
−22%
Days on market
37 vs 31 typical
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 32908 — neighborhood snapshot
Population
14,970
Median age
38.3
Median income
$66,589
Median home value
$265,500
Avg household
3.08
Households w/ children
1,917
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 → $329K
Palm Bay median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
Median sold price, Palm Bay, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 315% above the PALM BAY 32908 median. See the full Palm Bay market guide →
Paper trail
This home's history
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 450 TOPEKA — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 450 TOPEKA — 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
450 TOPEKA FAQs
What would the monthly payment be for 450 TOPEKA?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,433/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 450 TOPEKA?+
The most recent tax bill on record (2025) was $467. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Bay?+
At $195,000, this home is listed about 44% 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 450 TOPEKA?+
Bayside High School (high), Southwest Middle School (middle), Westside Elementary School (elementary) — Brevard County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of OLYMPUS EXECUTIVE REALTY INC · Whittney Self. MLS #O6417109.
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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