920 GARDEN ROAD, MERRITT ISLAND, FL, 32952
Active36 days on marketListed Jul 2, 2026MLS #O6420851
About this home
920 GARDEN ROAD
Discover this beautifully updated 5-bedroom, 2-bath pool home with no HOA! Offering plenty of space for family and entertaining, this move-in ready home features a long list of major upgrades for added peace of mind. Enjoy a new roof (November 2025), HVAC (2022), complete home replumb (2022), full electrical rewire with new electrical panel (2022), and an epoxy-coated garage floor (2022). Step outside to your private backyard oasis where the pool and pool deck were resurfaced in 2023, creating the perfect space to relax or entertain year-round. With no HOA restrictions and so many big-ticket improvements already completed, this home is ready for its next owners to move in and enjoy!
Facts & features
The home at a glance
5
Bedrooms
2
Bathrooms
1,762
Sqft
0.23 ac
Lot size
1
Garage
1964
Year built
One
Levels
$226
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.
$2,860 /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
$2,860/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.
$/sqft vs Merritt Island actives
$226 vs $257
Days on market
36 vs 57 typical
Where $226/sqft sits among the 43 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
97.2%
Sale-to-list ratio (12 mo)
26 of 43
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 35% below the MERRITT ISLAND 32952 median. See the full Merritt Island market guide →
Paper trail
This home's history
Reality check
What actually sold near 920 GARDEN ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$659,990
1040 CARRIGAN BOULEVARD
4 bd · 3 ba · 2,226 sqft · $296/sqft · 93 DOM
Sold · Sep ’25$420,000
350 BRENTWOOD COURT
5 bd · 3 ba · 2,418 sqft · $174/sqft · 68 DOM
Sold · Mar ’26$475,000
350 BRENTWOOD COURT
5 bd · 3 ba · 2,418 sqft · $196/sqft · 39 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 920 GARDEN ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 920 GARDEN ROAD — 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
920 GARDEN ROAD FAQs
What would the monthly payment be for 920 GARDEN ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,860/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 920 GARDEN ROAD?+
The most recent tax bill on record (2025) was $2,094. 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 Merritt Island?+
At $399,000, this home is listed about 29% below the Merritt Island median of $560,000. The market section on this page shows how the area is trending.
Which schools are assigned to 920 GARDEN ROAD?+
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
Three things that matter here
01Under the MERRITT ISLAND 32952 market on paper
$399,000 is 35% below the MERRITT ISLAND 32952 median of $618,450, and at $226/sqft it sits under the Merritt Island average of $306.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of CREEGAN GROUP · Chris Creegan. MLS #O6420851.
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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