David Ramirez
$412,0003 bd2 ba1,563 sqft$264 /sqft$3,062 /mo all-in ↓

1409 CALIFORNIA DRIVE, MELBOURNE, FL, 32940

Active15 days on marketListed Jul 9, 2026MLS #O6423256

Priced 18% below the MELBOURNE 32940 medianWaterfrontSingle Family ResidenceHOLIDAY SPGS/SUNTREE

Come see it

Upcoming open house

Sat, Jul 25

2:00 PM – 5:00 PM

About this home

1409 CALIFORNIA DRIVE

Virtually Staged. Move-in ready waterfront home in desirable Hidden Springs at Suntree! This beautifully maintained 3-bedroom, 2-bath home offers the perfect blend of comfort and style. Inside, natural light fills the inviting living space, showcasing charming built-in features and an open, welcoming feel. The inviting feel from the foyer to the common area offers flexibility and an open floor plan for your creativity. The kitchen features stone countertops, center island, pantry, and abundant cabinetry. The laundry room is located inside the home with extra cabinet space including both the washer and dryer. The spacious primary suite features a walk-in closet, private sunroom access, and a beautifully renovated bathroom with a walk-in shower. Enjoy peace of mind with major updates including HVAC (2025), ductwork (2022), water heater (2021), and roof (2019). Additional features include tile flooring throughout, NO CARPET, an insulated garage door, hurricane shutters, rain gutters, extended paver patio, and a 2-car garage. Relax in the enclosed sunroom overlooking the canal or enjoy the beautifully landscaped backyard. Holiday Springs offers a low HOA $57x month with outstanding amenities including two community pools, clubhouse, tennis, basketball, shuffleboard, and playground. Located in the heart of Suntree, close to shopping, dining, golf, parks, beaches, and highly rated schools, this home offers the perfect combination of comfort, convenience, and value. Schedule a tour today! All information is deemed reliable and shall be independently verified.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,563

Sqft

0.14 ac

Lot size

2

Garage

1993

Year built

One

Levels

$264

Per sqft

WaterfrontTrees/Woods & Water viewPets allowed

Inside

FlooringCeramic Tile
AppliancesCooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionStucco · Wood Frame
FoundationSlab
ViewTrees/Woods · Water
FacesWest
ParkingDriveway · Garage Door Opener
ExteriorHurricane Shutters · Irrigation System · Private Mailbox · Rain Gutters

Community & fees

HOA fee$60/mo
Taxes (2025)$2,807/yr
PetsYes
CommunityClubhouse · Park · Playground · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesElectricity Connected · Public · Sewer Connected · Sprinkler Well · Water Connected
WaterPublic

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.

$3,062 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,425
FHA mortgage insurance (est.)$182
Property tax — 2025 actual bill$234
HOA fee — from the listing$60
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,420Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $14,420
Interest rate6.00%
Loan term

Estimated payment

$3,062/mo

Principal & interest$2,425
FHA mortgage insurance (est.)$182
Property taxes (actual bill)$234
HOA / condo fee$60
Est. insurance$160

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.

List $412K
$272KedgeAI estimate $367,758 · range $283K$446K$464K

vs edgeAI estimate

+12%

$/sqft vs Melbourne actives

$264 vs $226

Days on market

15 vs 21 typical

Where $264/sqft sits among the 78 Melbourne actives

10
25
20
10 · this home
7
6
$146–183$183–219$219–256$256–293$293–330$330+

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 Melbourne

Map of 1409 CALIFORNIA DRIVE

Drive times from this address

Orlando Int’l Airport (MCO)53 min
Downtown Orlando59 min
Universal Orlando67 min
Walt Disney World72 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Melbourne. See the full Melbourne guide →

MELBOURNE 32940 — neighborhood snapshot

Population

49,288

Median age

48.1

Median income

$106,511

Median home value

$444,100

Avg household

2.42

Households w/ children

5,209

For the school run

Brevard County School District

HighViera High School★★★★
ElementaryManatee Elementary School★★★★★
MiddleJohn F. Kennedy Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Melbourne market

Seller’s marketLeans seller4.0 months of inventoryBuyer’s market

$404K$320K

Melbourne median sold, yr/yr

97.9%

Sale-to-list ratio (12 mo)

29 of 78

Melbourne actives have cut their price

Median sold price, Melbourne, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 18% below the MELBOURNE 32940 median. See the full Melbourne market guide →

Paper trail

This home's history

Jul 9, 2026Listed at $412,000 · 15 days on market since
1993Built · HOLIDAY SPGS/SUNTREE

Reality check

What actually sold near 1409 CALIFORNIA DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1034 VILLA DRIVESold · Feb ’26

$279,900

1034 VILLA DRIVE

2 bd · 2 ba · 1,520 sqft · $184/sqft · 225 DOM

1459 CRANE CREEK BOULEVARDSold · Sep ’25

$352,000

1459 CRANE CREEK BOULEVARD

3 bd · 2 ba · 1,478 sqft · $238/sqft · 0 DOM

1080 ROCK SPRINGS DRIVESold · Sep ’25

$386,000

1080 ROCK SPRINGS DRIVE

3 bd · 2 ba · 1,399 sqft · $276/sqft · 11 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1409 CALIFORNIA DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1409 CALIFORNIA DRIVE — 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.

Goes straight to David’s phone and CRM.

Straight answers

1409 CALIFORNIA DRIVE FAQs

What would the monthly payment be for 1409 CALIFORNIA DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,062/mo — principal and interest, the actual property-tax bill, the $60/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 1409 CALIFORNIA DRIVE?+

The association fee works out to $60 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1409 CALIFORNIA DRIVE?+

The most recent tax bill on record (2025) was $2,807. 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 1409 CALIFORNIA DRIVE?+

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 Melbourne?+

At $412,000, this home is listed about 2% above the Melbourne median of $404,555. The market section on this page shows how the area is trending.

Which schools are assigned to 1409 CALIFORNIA DRIVE?+

Viera High School (high), Manatee Elementary School (elementary), John F. Kennedy Middle School (middle) — Brevard County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Under the MELBOURNE 32940 market on paper

$412,000 is 18% below the MELBOURNE 32940 median of $499,890.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Strong assigned schools

Viera High School, Manatee Elementary School, John F. Kennedy Middle School — Viera High School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of BLUE MARLIN REAL ESTATE · Kimberly Fouts, PA. MLS #O6423256.

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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