4160 Negal Circle, Melbourne FL 32901, MELBOURNE, FL, 32901
Active150 days on marketListed Mar 9, 2026MLS #R11169946
About this home
4160 Negal Circle, Melbourne FL 32901
This stunning corner-lot home offers breathtaking lake views and a private heated pool and spa. Inside, you'll find 4 bedrooms, 3 full baths, and high-end finishes like 8' doors, custom lighting, and porcelain tile throughout. The chef's kitchen is a standout with massive cabinet space, while the custom master suite features a beautiful frameless glass shower. Practicality meets luxury with a 3-car garage (including a mini-split AC) and a dedicated laundry room with a utility sink and extra storage. Impeccably designed and move-in ready, this home is the ultimate waterfront retreat.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,319
Sqft
0.24 ac
Lot size
3
Garage
2022
Year built
1
Levels
$313
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.
$5,131 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,131/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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 Melbourne actives
$313 vs $220
Days on market
150 vs 35 typical
Where $313/sqft sits among the 72 Melbourne 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 Laguna Village
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Melbourne. See the full Melbourne guide →
Laguna Village — neighborhood snapshot
Population
1,266
Median age
59
Median income
$71,813
Median home value
$169,900
Avg household
2
Households w/ children
15%
For the school run
Brevard County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Melbourne market
$375K → $347K
Melbourne median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
23 of 72
Melbourne actives have cut their price
Median sold price, Melbourne, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 135% above the MELBOURNE 32901 median. See the full Melbourne market guide →
Paper trail
This home's history
Reality check
What actually sold near 4160 Negal Circle
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$750,000
4120 NEGAL · same community
4 bd · 3 ba · 2,634 sqft · $285/sqft · 37 DOM
Sold · Dec ’25$485,000
3033 FOREST CREEK DRIVE
4 bd · 2.5 ba · 2,336 sqft · $208/sqft · 0 DOM
Sold · Nov ’25$402,000
1496 NE SCEPTER
4 bd · 2.5 ba · 2,226 sqft · $181/sqft · 53 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 4160 Negal Circle — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4160 Negal Circle — 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
4160 Negal Circle FAQs
What would the monthly payment be for 4160 Negal Circle, Melbourne FL 32901?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,131/mo — principal and interest, the actual property-tax bill, the $58/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 4160 Negal Circle, Melbourne FL 32901?+
The association fee works out to $58 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4160 Negal Circle, Melbourne FL 32901?+
The most recent tax bill on record (2023) was $8,749. 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 4160 Negal Circle, Melbourne FL 32901?+
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 $725,000, this home is listed about 116% above the Melbourne median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4160 Negal Circle, Melbourne FL 32901?+
Palm Bay Magnet Senior High School (high), University Park Elementary School (elementary), Stone Magnet 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
01Positioned at the premium end
$725,000 runs 135% above the MELBOURNE 32901 median — but at 2,319 sqft it's also 39% larger than the typical Melbourne listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
150 days on market against a Melbourne median of 35 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
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 Miami Association of REALTORS®.
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