Palm Bay Homes under $400,000

Palm Bay Homes under $400,000

Welcome to Palm Bay, Florida, a vibrant city nestled in the heart of Brevard County and just a stone's throw away from the stunning Atlantic coastline. Known for its warm climate, friendly community, and lush landscapes, Palm Bay is an ideal destination for families, retirees, and everyone in between. With its rich blend of outdoor activities, cultural experiences, and convenient amenities, this charming city offers a lifestyle that's hard to resist.

One of the most appealing aspects of Palm Bay is its diverse real estate market, especially for those seeking homes under $400,000. Here, you'll discover a variety of options, from cozy single-family homes to spacious townhouses, all designed to fit a range of budgets and preferences. Many of these properties boast modern amenities, open floor plans, and inviting outdoor spaces, perfect for enjoying the beautiful Florida sunshine.

Living in Palm Bay means you’re never far from adventure. The city is dotted with parks, nature preserves, and waterways, making it easy to indulge in recreational activities such as fishing, hiking, and boating. Plus, with a plethora of shopping, dining, and entertainment options, you’ll find everything you need right at your doorstep.

Whether you’re looking to settle down or invest in a rental property, Palm Bay’s affordable housing market and welcoming atmosphere make it a fantastic choice. Come explore the possibilities and discover your dream home in this delightful coastal community!

Newest Palm Bay Homes under $400,000

48 Emerson Drive NW, Palm Bay
$349,900
4 Beds ⋅ 2 Baths ⋅ 1090268 MLS
Some homes just have that perfect combination of space, style, and location, and this one brings it all together! Situated on an oversized .28-acre corner lot, this beautifully updated four-bedroom home offers over 2,100 square feet of living space, a fantastic split floor plan, and two separate living areas. Whether you're entertaining friends, enjoying family time, or simply looking for a little room to breathe, this home delivers!Step inside and you'll immediately appreciate the bright, welcoming atmosphere created by updated skylights that fill the home with natural Florida sunshine. The beautifully remodeled kitchen is sure to impress with gorgeous granite countertops, updated appliances, stylish flooring, and an easy connection to the formal dining area. When it's time to unwind, the modern wood-burning fireplace adds warmth, character, and just the right amount of coziness. Beyond the beautiful finishes, some of the biggest investments have already been taken care of! The roof, HVAC system, and water heater were all replaced in 2024, offering peace of mind for years to come. Add city water and a recently inspected septic system in excellent condition, and there's even more to appreciate about this home. The thoughtful updates continue throughout with upgraded light fixtures, ceiling fans, and modern finishes that tie everything together. Even the laundry room offers a little extra breathing room, with plenty of space and a washer and dryer included. Outside, fresh exterior paint, beautifully maintained landscaping, and that generous corner lot create curb appeal that's easy to love. And the location? That's another reason to get excited! Convenient access to the newly installed expressway makes commuting and exploring the Space Coast easier than ever. From beach days and boating adventures to fishing on the river or simply soaking up the Florida sunshine, everything that makes this area special is within easy reach. Four true bedrooms, two comfortable living spaces, major updates already completed, and a location that puts the Florida lifestyle at your fingertips. This is more than just a beautifully updated house. It's a home that offers the space you want, the improvements you'll appreciate, and the freedom to enjoy everything around you. Come see what makes this one special!

48 Emerson Drive NW, Palm Bay
5011 Dixie Highway NE, Palm Bay
$374,900
3 Beds ⋅ 2 Baths ⋅ 1090264 MLS
Freshly updated and move-in ready! Step into this second-floor Rhum Cove condo and let the river views set the tone. With 3 bedrooms, 2 baths, a 1-car garage and an assigned parking spot, it's ready for its next owner to unpack and enjoy. Brand-new flooring brings the primary suite to life, complete with dual sinks, a step-in shower and a walk-in closet. Entertain at the built-in wet bar, then slide open the doors to a 45-foot balcony that wraps the river view across the living room, guest bedroom and primary suite. The accessible guest bath has a step-in shower, and 3-foot doorways and a wide hallway make room for wheelchairs and walkers. A newer AC and water heater plus a full-size stackable washer and dryer add peace of mind. Your own deeded boat slip in the community marina is included, along with a fishing pier, heated and cooled pool and spa, riverfront clubhouse, fitness center, sauna, and tennis and pickleball courts. Minutes to beaches, dining and shopping. The HOA fee covers cable TV, internet, exterior and structural maintenance, grounds maintenance, pest control, sewer and water. The deeded boat slip is #56. The AC was replaced in April 2025, and the water heater was replaced in 2024. Owners must live in the unit for 2 years before leasing it out, and leases must be at least 3 months. Pets are limited to 1 dog or 2 cats under 15 lbs.

5011 Dixie Highway NE, Palm Bay
1919 Live Oak Street NE, Palm Bay
$154,900
2 Beds ⋅ 2 Baths ⋅ 1090258 MLS
Charming 2-bedroom, 2-bath home in Palm Bay Colony, an active 55+ community! Full of personality and Florida charm, this home features a comfortable, functional layout with an open living and dining area, breakfast bar, wood-look flooring, and a spacious primary bedroom with a walk-in closet and private bathroom. Stay comfortable with a new portable A/C unit and additional window units. Existing ductwork offers potential for future central A/C installation. Enjoy Florida living with an expansive screened porch, additional covered patio, and a backyard featuring mature shade trees and a storage shed. A covered carport and dedicated laundry area add everyday convenience. Optional HOA membership provides access to community amenities including a clubhouse, pool, pickleball, and tennis courts. Conveniently located near shopping, dining, and major roadways. Schedule your showing today!

1919 Live Oak Street NE, Palm Bay
1152 Canfield Circle SE, Palm Bay
$350,000
4 Beds ⋅ 3 Baths ⋅ 1090256 MLS
INCREDIBLE VALUE WITH STUNNING UPGRADES AND LAKE VIEWS! Situated on an oversized lakefront lot, this beautifully upgraded home offers the perfect blend of modern elegance, comfort, and functionality! The gorgeous kitchen features quartz countertops, an oversized island, matching KitchenAid appliances, custom pantry, and under-cabinet lighting. Enjoy upgraded lighting and flooring, LVP stairs and upstairs, California Closets, a custom laundry room, and an additional upstairs laundry room. The primary shower features a luxurious rain showerhead. Step outside to enjoy peaceful lake views, a beautiful paver patio, and plenty of space to entertain or unwind. Additional upgrades include an extended driveway, epoxy garage flooring, gutters, and Ring cameras. With thoughtful upgrades throughout, an oversized lot, and a picturesque lakefront setting, this home offers exceptional value! Don't miss this incredible opportunity!

1152 Canfield Circle SE, Palm Bay
3239 Telesca Road SE, Palm Bay
$289,900
3 Beds ⋅ 2 Baths ⋅ 1090243 MLS
Move in ready and built in 2021, this 3 bedroom, 2 bathroom home includes 1,469 square feet of comfortable living space with a clean, modern layout and a spacious fenced backyard for you and your family. The open concept living area connects directly to the kitchen and dining space, creating an easy setup for everyday living and entertaining. The kitchen features quartz countertops, stainless steel appliances, ample cabinet space, and a large island. The primary suite includes two walk in closets and a spacious bathroom with dual sinks, a soaking tub, separate shower, and private water closet. The additional bedrooms provides flexibility for your family, guests, or your own home office. Other features include impact windows and doors, intelligent home features, interior laundry with utility sink, central air, and an attached two car garage. Outside, the large fenced yard and patio providing plenty of room to relax, entertain, or enjoy the Florida weather. Clean , functional, and ready for its next owner. Get inside today!

3239 Telesca Road SE, Palm Bay
1185 Yakutat Avenue SE, Palm Bay
$355,990
4 Beds ⋅ 2 Baths ⋅ 1090234 MLS
NEW CONSTRUCTION - estimated delivery December 2026. SPECIAL BUYER INCENTIVES AVAILABLE. The St. Augustine blends indoor and outdoor living with a welcoming covered front porch, expansive covered lanai, and a bright, open floor plan. A vaulted ceiling enhances the main living area, connecting the dining room with double windows, kitchen with freestanding island and pantry, and a spacious Great Room with a wall of sliding glass doors for abundant natural light. The split-bedroom layout offers a private primary suite with two walk-in closets and a bath featuring a dual-sink vanity, large linen closet, and tiled shower. Three additional bedrooms provide flexibility for guests, a home office, or hobby space. This home includes quartz countertops in the kitchen and baths, stainless steel appliances, plank tile flooring in main areas, hurricane-impact windows and doors, and more. Pictures, renderings, & virtual tour are of model home & are used for display purposes only.

1185 Yakutat Avenue SE, Palm Bay
1173 Yakutat Avenue SE, Palm Bay
$352,990
4 Beds ⋅ 2 Baths ⋅ 1090224 MLS
NEW CONSTRUCTION - estimated delivery November 2026. SPECIAL BUYER INCENTIVES AVAILABLE. The St. Augustine blends indoor and outdoor living with a welcoming covered front porch, expansive covered lanai, and a bright, open floor plan. A vaulted ceiling enhances the main living area, connecting the dining room with double windows, kitchen with freestanding island and pantry, and a spacious Great Room with a wall of sliding glass doors for abundant natural light. The split-bedroom layout offers a private primary suite with two walk-in closets and a bath featuring a dual-sink vanity, large linen closet, and tiled shower. Three additional bedrooms provide flexibility for guests, a home office, or hobby space. This home includes quartz countertops in the kitchen and baths, stainless steel appliances, plank tile flooring in main areas, hurricane-impact windows and doors, and more. Pictures, renderings, & virtual tour are of model home & are used for display purposes only.

1173 Yakutat Avenue SE, Palm Bay
617 Walmsley Street SW, Palm Bay
$369,990
4 Beds ⋅ 2 Baths ⋅ 1090218 MLS
NEW CONSTRUCTION - Move-In Ready! SPECIAL BUYER INCENTIVES AVAILABLE. The St. Augustine blends indoor and outdoor living with a welcoming covered front porch, expansive covered lanai, and a bright, open floor plan. A vaulted ceiling enhances the main living area, connecting the dining room with double windows, kitchen with freestanding island and pantry, and a spacious Great Room with a wall of sliding glass doors for abundant natural light. The split-bedroom layout offers a private primary suite with two walk-in closets and a bath featuring a dual-sink vanity, large linen closet, and tiled shower. Three additional bedrooms provide flexibility for guests, a home office, or hobby space. This home includes quartz countertops in the kitchen and baths, stainless steel appliances, plank tile flooring in main areas, hurricane-impact windows and doors, and more. Pictures, renderings, & virtual tour are of model home & are used for display purposes only.

617 Walmsley Street SW, Palm Bay
3901 Dixie Highway NE Unit 102, Palm Bay
$249,900
2 Beds ⋅ 2 Baths ⋅ 1090204 MLS
Welcome to this beautifully updated, first-floor riverfront retreat with breathtaking water views and sunrise over the Indian River in Palm Bay! Features tile flooring throughout and a remodeled kitchen with granite countertops, center island, and updated appliances. Unwind on your private balcony with front-row sunrise. Highlights include a split floor plan, primary suite with river views, hurricane impact windows, storm shutters, and in-unit washer/dryer. Community amenities feature a riverfront pool and fishing dock/pier. Ground-level coastal living at its finest - view it today!

3901 Dixie Highway NE Unit 102, Palm Bay
3275 Jackson Avenue NE, Palm Bay
$225,000
2 Beds ⋅ 1 Baths ⋅ 1090199 MLS
Beautifully updated 2BR/1BA home in Palm Bay featuring a versatile flex room or office that could be converted into a 3rd bedroom! Major improvements include a 2025 roof, updated HVAC (2015), new ductwork (2026), and a 2025 mini-split in the primary bedroom with walk-in closet. Enjoy a new kitchen with granite countertops, updated bathroom, new plumbing throughout including waste lines, renovated laundry room, updated flooring, new light fixtures, and refinished ceilings (2026). All double-pane windows, with front and side windows replaced in 2015 and rear windows in 2026. Fresh stucco and exterior paint (2026), new soffit, and RV hookups add even more value. Improvements permitted. A move-in-ready home with flexible space and extensive upgrades!

3275 Jackson Avenue NE, Palm Bay
1002 Eleuthera Drive NE, Palm Bay
$264,900
2 Beds ⋅ 2 Baths ⋅ 1090150 MLS
**Motivated Seller says come see this Amazing home in the gated community of Bimini Bay. Two Large bedrooms, 2 car attached garage, huge kitchen with beautiful granite countertops, wood cabinets & breakfast bar. Entire home has soaring ceilings, crown molding & tile throughout. Spacious primary bedroom has two walk in closets and very large en-suite with large dual vanity, garden tub and large shower. Laundry room is in unit. This gated "FL Keys" style neighborhood feels like being on vacation every day! Community pool, lawn care and roof replacement is all included in low monthly HOA. This home is located to many restaurant choices, shopping, grocery stores and easy commute to 95 . Come see this home for yourself and fall in love with it as much as current owner has .

1002 Eleuthera Drive NE, Palm Bay
626 Dinner Street NE, Palm Bay
$335,000
3 Beds ⋅ 2 Baths ⋅ 1089996 MLS
Why vacation a few times a year when you can feel like you are on vacation everyday? This 3 bedroom 2 bathroom home has everything you need to make staying home your favorite getaway! Screened in lanai and pool area for endless Florida days, and entertaining. Fenced backyard for your fur babies, beautiful lush landscaping. Open floor plan, new flooring, upgraded kitchen and bathrooms with hurricane rated windows for extra piece of mind. A shed for extra storage. Do not let this one get away! My seller absolutely loved this home, yet decided it was time to retire and relocate. Her life change can be your opportunity!

626 Dinner Street NE, Palm Bay
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