549 WHITE PLAINS AVENUE SW, PALM BAY, FL, 32908
Active152 days on marketListed Mar 10, 2026MLS #TB8484702
About this home
549 WHITE PLAINS AVENUE SW
SELLER TO CONTRIBUTE $5,000 TOWARD BUYER’S CLOSING COSTS! Welcome to this expansive and airy residence located at 549 White Plains Ave SW, where space and convenience meet. Boasting an impressive 2,609 total square feet (over 2,100 square feet under air), this home feels incredibly grand from the moment you step inside thanks to the soaring 12-foot ceilings and open-concept floor plan. The interior features a desirable split-bedroom layout, including a massive primary suite with a walk-in closet and a private spa-style bathroom. The heart of the home is the chef’s kitchen, complete with elegant maple cabinetry, sleek granite countertops, and a full suite of appliances. An additional flex room offers the perfect space for a home office, den, or even a fourth bedroom to suit your needs. The exterior is just as impressive, featuring durable concrete block construction, storm shutters for peace of mind, and a private fenced backyard on a generous quarter-acre lot. The property is currently tenant-occupied, offering a unique opportunity for an investor to keep the current tenants or for an owner-occupant to move in, as the tenants will vacate prior to closing. Location is everything! You are less than 10 minutes from local schools, shopping centers, restaurants, and the St. Johns Heritage Parkway, making commuting and daily errands easy. Some photos have been virtually staged for illustrative purposes to show the potential use of space. Don’t miss this opportunity to own a large, move-in-ready home in the heart of SW Palm Bay with a generous seller incentive to help you get through the door!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,138
Sqft
0.24 ac
Lot size
2
Garage
2005
Year built
One
Levels
$164
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.
$2,808 /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
$2,808/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
+11.5%
$/sqft vs Palm Bay actives
$164 vs $208
Days on market
152 vs 44 typical
Where $164/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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Bay. See the full Palm Bay guide →
PALM BAY 32908 — neighborhood snapshot
Population
14,970
Median age
38.3
Median income
$66,589
Median home value
$265,500
Avg household
3.08
Households w/ children
1,917
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)
98 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 644% above the PALM BAY 32908 median. See the full Palm Bay market guide →
Paper trail
This home's history
Reality check
What actually sold near 549 WHITE PLAINS AVENUE SW
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$385,000
1047 WHITEHURST ROAD SW · same community
4 bd · 3 ba · 2,250 sqft · $171/sqft · 54 DOM
Sold · Jul ’26$375,000
1059 WING ROAD SW · same community
4 bd · 3 ba · 2,250 sqft · $167/sqft · 150 DOM
Sold · May ’26$376,000
570 Town Rd SW, Palm Bay FL 32908 · same community
3 bd · 2 ba · 1,983 sqft · $190/sqft · 182 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 549 WHITE PLAINS AVENUE SW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 549 WHITE PLAINS AVENUE SW — 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
549 WHITE PLAINS AVENUE SW FAQs
What would the monthly payment be for 549 WHITE PLAINS AVENUE SW?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,808/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 549 WHITE PLAINS AVENUE SW?+
The most recent tax bill on record (2025) was $5,201. 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 $349,900, this home is listed about 1% below the Palm Bay median of $354,950. The market section on this page shows how the area is trending.
Which schools are assigned to 549 WHITE PLAINS AVENUE SW?+
Jupiter Elementary School (elementary), Southwest Middle School (middle), Heritage 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
01Positioned at the premium end
$349,900 runs 644% above the PALM BAY 32908 median — but at 2,138 sqft it's also 17% larger than the typical Palm Bay listing.
02Time on market is leverage
152 days on market against a Palm Bay median of 44 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $365,000, now $349,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BUILDING NEST REALTY LLC · Yuliett Monserrat Perez. MLS #TB8484702.
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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