3720 FOGGY MIST ROAD SE, PALM BAY, FL, 32909
Active12 days on marketListed Aug 4, 2026MLS #O6430677
About this home
3720 FOGGY MIST ROAD SE
Welcome to this beautiful 4-bedroom, 2-bath home located in the gated Cypress Bay Preserve community of Palm Bay. Built in 2023, this single-story home offers approximately 1,828 square feet of comfortable, open-concept living space. The spacious floor plan includes a large family room, dining area, and modern kitchen with a center island, pantry, generous cabinet space, and plenty of room for entertaining. The split-bedroom layout provides added privacy, while the primary suite and oversized closets offer excellent storage. Enjoy peaceful water views from the covered lanai and the convenience of a two-car garage, hurricane shutters, central air conditioning, tile flooring throughout the main living areas, and carpeted bedrooms. Washer and Dryer, oven, and refrigerator not included. The community is gated and includes access to a community swimming pool. Publix, Jersey Mike’s, and additional shopping and dining options are conveniently located in the shopping center directly behind the neighborhood. The home is also close to St. Johns Heritage Parkway, I-95, schools, medical facilities, and other everyday conveniences.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,830
Sqft
0.14 ac
Lot size
2
Garage
2023
Year built
One
Levels
$191
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.
$2,468 /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
$2,468/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
+3.4%
$/sqft vs Palm Bay actives
$191 vs $208
Days on market
12 vs 42 typical
Where $191/sqft sits among the 368 Palm Bay 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 Palm Bay
Get to know Palm Bay. See the full Palm Bay guide →
PALM BAY 32909 — neighborhood snapshot
Population
39,611
Median age
37.9
Median income
$76,708
Median home value
$261,400
Avg household
2.99
Households w/ children
5,283
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)
93 of 368
Palm Bay actives have cut their price
Median sold price, Palm Bay, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 335% above the PALM BAY 32909 median. See the full Palm Bay market guide →
Paper trail
This home's history
Reality check
What actually sold near 3720 FOGGY MIST ROAD SE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$340,000
3257 WARSAW AVENUE SE UNIT 30
3 bd · 2 ba · 1,684 sqft · $202/sqft · 9 DOM
Sold · Feb ’26$323,000
2361 COGAN DRIVE SE UNIT 32
3 bd · 2 ba · 1,684 sqft · $192/sqft · 112 DOM
Sold · Jun ’26$355,000
2180 COGAN DRIVE SE
4 bd · 2.5 ba · 1,657 sqft · $214/sqft · 41 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 3720 FOGGY MIST ROAD SE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3720 FOGGY MIST ROAD SE — 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
3720 FOGGY MIST ROAD SE FAQs
What would the monthly payment be for 3720 FOGGY MIST ROAD SE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,468/mo — principal and interest, the actual property-tax bill, the $87/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 3720 FOGGY MIST ROAD SE?+
The association fee works out to $87 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3720 FOGGY MIST ROAD SE?+
The most recent tax bill on record (2025) was $73. 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 3720 FOGGY MIST ROAD SE?+
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 $350,000, this home is priced right at the Palm Bay median.
Which schools are assigned to 3720 FOGGY MIST ROAD SE?+
Columbia Elementary School (elementary), Southwest Middle School (middle), Bayside High School (high) — Brevard County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CHEVON EATON · Chevon Eaton. MLS #O6430677.
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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