1121 COGAN DRIVE SE, PALM BAY, FL, 32909
Active72 days on marketListed May 22, 2026MLS #S5150430
About this home
1121 COGAN DRIVE SE
Beautiful brand-new home featuring 3 bedrooms and 3.5 bathrooms with a modern and functional layout designed for comfortable living. This stunning property offers bright open living spaces, a chef-inspired kitchen with contemporary finishes, elegant marble flooring throughout the main living areas, and vinyl laminate flooring in all bedrooms for added warmth and comfort. The spacious primary suite features impressive floor-to-ceiling glass doors, creating a bright and luxurious retreat, while all windows throughout the home are oversized compared to traditional standard windows, allowing for abundant natural light. For added peace of mind, the home is equipped with hurricane-impact protection on all windows. The generously sized bedrooms provide privacy and versatility, and the multiple bathrooms convenience for guests and everyday living. Conveniently located near shopping, dining, schools, and major roadways with easy access to local amenities and attractions. A great opportunity to enjoy the comfort, style, and benefits of new construction living!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,967
Sqft
0.23 ac
Lot size
2
Garage
2026
Year built
One
Levels
$224
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.
$2,993 /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
$2,993/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
+21.6%
$/sqft vs Palm Bay actives
$224 vs $208
Days on market
72 vs 31 typical
Where $224/sqft sits among the 364 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 → $329K
Palm Bay median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
97 of 364
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 389% 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 1121 COGAN DRIVE SE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$345,091
1798 San Filippo Drive SE # 46, Palm Bay FL 32909 · same community
4 bd · 2 ba · 1,820 sqft · $190/sqft · 128 DOM
Sold · Nov ’25$355,000
941 QUESADA ST SE, Palm Bay FL 32909 · same community
4 bd · 2 ba · 1,787 sqft · $199/sqft · 51 DOM
Sold · Apr ’26$335,000
1219 RAGEN ROAD SE · same community
3 bd · 2 ba · 1,779 sqft · $188/sqft · 230 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 1121 COGAN DRIVE SE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1121 COGAN DRIVE 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
1121 COGAN DRIVE SE FAQs
What would the monthly payment be for 1121 COGAN DRIVE SE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,993/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 1121 COGAN DRIVE SE?+
The most recent tax bill on record (2025) was $583. 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 $439,900, this home is listed about 26% above the Palm Bay median of $350,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1121 COGAN DRIVE 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 EXP REALTY LLC · Claudia Marc Luna. MLS #S5150430.
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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