Central Palm Bay Homes under $400,000

Central Palm Bay Homes under $400,000

Welcome to Central Palm Bay, a hidden gem nestled in the heart of Brevard County, Florida. Known for its vibrant community and lush landscapes, this area offers a perfect blend of suburban tranquility and access to urban amenities. Central Palm Bay is characterized by its friendly neighborhoods, top-rated schools, and a wealth of recreational opportunities, making it an ideal place for families, retirees, and everyone in between.

One of the most appealing aspects of Central Palm Bay is the diverse range of homes available, particularly those priced under $400,000. Whether you’re a first-time homebuyer or looking to downsize, you’ll find a variety of charming single-family homes, modern townhouses, and cozy condominiums that cater to every lifestyle. With spacious layouts and inviting outdoor spaces, these homes provide the perfect backdrop for creating lasting memories with loved ones.

Living in Central Palm Bay means enjoying the best of Florida living. Spend your weekends exploring the nearby beaches, such as the stunning shores of Melbourne Beach, or take advantage of the numerous parks and nature trails that invite outdoor enthusiasts to bask in the sunshine. The area also boasts a variety of shopping, dining, and entertainment options, ensuring that you never have to venture far for your everyday needs.

With its affordable housing options and a welcoming community spirit, Central Palm Bay is more than just a place to live—it’s a place to thrive. Discover your dream home today and experience the vibrant lifestyle that awaits you in this charming Florida community!

Newest Central Palm Bay Homes under $400,000

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
449 Cellini Avenue NE, Palm Bay
$350,000
3 Beds ⋅ 2 Baths ⋅ 1090017 MLS
Welcome to 449 Cellini Avenue NE in Palm Bay! This home offers a wonderful combination of comfort, style, and valuable upgrades. Enjoy peace of mind with a brand-new roof HVAC 2 year old, new water heater and accordion hurricane shutters for added storm protection and convenience. Inside, you'll appreciate the upgraded appliances and modern lighting fixtures that add a fresh, stylish touch throughout the home. Step outside to enjoy the fully fenced backyard, perfect for pets, outdoor entertaining, or simply relaxing in your own private space. These thoughtful improvements enhance both the beauty and functionality of the property. Conveniently located near shopping, dining, schools, and major roadways, this home offers comfort and convenience in a great Palm Bay location. Don't miss the opportunity to make this home yours. Schedule your private showing today!

449 Cellini Avenue NE, Palm Bay
540 Dinner Street NE, Palm Bay
$356,900
4 Beds ⋅ 2 Baths ⋅ 1090013 MLS
Contemporary farmhouse charm meets thoughtful upgrades in this newer home! The open floor plan features tile flooring throughout and recessed lighting in the main living areas. The kitchen offers a custom coffee bar, an oversized sink and its own reverse osmosis system, plus a whole-house RO system. The primary suite boasts a large tiled shower, a California Closets system and custom cabinetry. Custom closets and fixtures in most rooms, including laundry room and pantry, barn doors and plantation shutters on the sliding glass door add character and functionality. Outside, custom pavers wrap the back patio to a potential outdoor kitchen space, a fire pit and two pergolas with electric for lighting and fans, great for entertaining! There's also a chicken coop with automatic doors, and vinyl fenced back yard for privacy. An extended driveway and garage screen door complete this move-in ready home!

540 Dinner Street NE, Palm Bay
1195 Emerson Drive NE, Palm Bay
$195,000
3 Beds ⋅ 2 Baths ⋅ 1089421 MLS
The search is over! This cute 3 bedroom, 2 bath home in Palm Bay is a wonderful find. The corner lot with big yard offers lots of opportunities to relax, the attached garage is perfect for a workshop. Conveniently located near shopping, dining, and major roadways. Come check it out! ***This property is eligible under the First Look Initiative. All Owner Occupant offers will be responded to after 7 days on the market and Investor offers will be responded to after 30 days. However, all offers can be submitted during the First Look period.***

1195 Emerson Drive NE, Palm Bay
290 Blossom Lane NE, Palm Bay
$119,000
2 Beds ⋅ 2 Baths ⋅ 1089215 MLS
Welcome to affordable 55+ living in Holiday Park, a gated adult community in Palm Bay! This beautifully maintained home features **2 bedrooms, 2 full bathrooms, no carpet, and a screened-in front porch**—perfect for enjoying Florida's year-round sunshine. **You own the land—NO lot rent!** Enjoy the freedom of homeownership while experiencing the Florida lifestyle Holiday Park has to offer, including two community pools, a clubhouse, shuffleboard, bocce courts, and golf-cart-friendly streets. Community amenities also include cable TV, internet, and 24-hour security. Whether you're downsizing, looking for a seasonal Florida retreat, or simply seeking an affordable, low-maintenance home, this is a wonderful opportunity to enjoy comfortable living in a welcoming 55+ community. *Please note: The listed tax amount includes the HOA fee. Furnishings are negotiable.*

290 Blossom Lane NE, Palm Bay
1047 Sunflower Lane NE, Palm Bay
$114,900
2 Beds ⋅ 2 Baths ⋅ 1089063 MLS
ONE OF THE BEST LOCATED HOMES IN HOLIDAY PARK!!! COME SEE THE BEAUTIFUL BACK YARD THIS PROPERTY OFFERS!! SERENE AND PRIVATE WITH LOTS OF OAKS TREES AND A POND WITH FOUNTAIN AND VERY PRIVATE LOCATION!! OWN YOUR LAND AND MOBILE-NO LOT RENT!!!! Very well maintained and immaculately kept FURNISHED 2 bedroom/ 2 bathroom home in gated (with a guard 24 hours a day) Holiday Park in NE Palm Bay. Perfect winter home or your perfect Florida all year home!! Home offers a nice open kitchen, large living area and a huge under air Florida Room. This split plan model is set up as two separate master bedrooms. Large storage shed!! BASIC CABLE AND INTERNET INCLUDED ALONG WITH GROUNDS MAINTENANCE!! Must see. Come and enjoy all the amenities the Park has to offer billiard room, library 2 swimming pools, game room and much more!!!! Conveniently located to shopping, medical facilities, churches, pharmacies and grocery stores. Just off Interstate I-95. THIS HOME IS PRICED TO SELL!!!

1047 Sunflower Lane NE, Palm Bay
265 Holiday Park Boulevard NE, Palm Bay
$94,900
2 Beds ⋅ 2 Baths ⋅ 1088859 MLS
Welcome to a well-maintained home in a vibrant 55+ community featuring a guarded gate and an active lifestyle with plenty of opportunities to connect and enjoy the community. This home offers thoughtful updates and features designed for comfort, accessibility, and peace of mind, including a newer A/C, water heater, flooring, windows, and a beautifully updated guest bath with newer tile. Additional improvements include a vapor barrier, newer hardwood subflooring, and roof tie-downs for added peace of mind. Wider doorways provide easier accessibility for walkers and wheelchairs, while the location next to a small wooded park area creates extra breathing room between neighbors and a more private setting. With numerous updates already completed and a community that offers both security and an active lifestyle, this home is ready to make your next chapter a little easier—and a lot more enjoyable! Make sure to check out the club house, pool and activity areas after your viewing!

265 Holiday Park Boulevard NE, Palm Bay
799 Emerson Drive NE, Palm Bay
$294,999
3 Beds ⋅ 2 Baths ⋅ 1088515 MLS
Set on a beautiful lot of more than a quarter acre, this well-maintained block home offers space, natural light, and a layout designed for easy everyday living. A long driveway leads you to the inviting residence, where an open-concept design brings the living room, dining area, and kitchen together in one connected main living space. Natural light pours in through two separate sliding glass doors, creating a bright and welcoming atmosphere throughout the heart of the home. The kitchen offers an ample amount of cabinet and counter space, stainless steel appliances, and another sliding glass door that extends the living area outdoors. All three bedrooms are generously sized, while the primary suite offers a comfortable retreat complete with an ensuite bathroom featuring dual sinks, a walk-in shower, and a walk-in closet. Outside, the expansive lot provides plenty of room to enjoy the Florida sunshine, create outdoor living spaces, garden, entertain, or simply take advantage of the additional space. Conveniently located with easy access to I-95, this home puts shopping, dining, and everyday conveniences within easy reach. Best of all, you're just minutes from the coast, top beaches, and everything Palm Bay has to offer. With its spacious lot, inviting interior, and convenient location, this home is ready to welcome you to Palm Bay. Mortgage savings may be available for buyers of this listing.

799 Emerson Drive NE, Palm Bay
806 Hawser Street NE, Palm Bay
$335,000
3 Beds ⋅ 2 Baths ⋅ 1088339 MLS
Welcome to 806 Hawser Street NE in Palm Bay! This spacious 3-bedroom, 2-bath home sits on a desirable corner lot with mature trees and features a 2-car attached garage PLUS an additional detached 2-car garage, offering exceptional flexibility for vehicles, storage, hobbies, or workshop space. Enjoy relaxing on the front deck with its charming wooden swing, or gather with family and friends on the large covered back patio. Inside, the cozy fireplace creates a welcoming focal point for the living space. With a functional layout, abundant outdoor space, and plenty of room to make it your own, this property offers comfort, character, and versatility in a convenient Palm Bay location.

806 Hawser Street NE, Palm Bay
1171 Seminole Court NE, Palm Bay
$154,000
2 Beds ⋅ 2 Baths ⋅ 1088120 MLS
Welcome home to this beautifully updated 2-bedroom, 2-bath manufactured home featuring a spacious bonus room that can easily be used as a home office, gym, guest room, or additional living space. This home combines classic charm with contemporary updates, including: Updated kitchen with stainless steel appliances. Elegant quartz countertops throughout. Gorgeous Bathrooms, Convenient indoor laundry & Built-in outdoor storage shed. Located in a desirable 55+ community with a 24-hour gated security entrance, this community offers an array of amenities designed for comfortable and resort living. Residents can enjoy the beautiful clubhouse, two swimming pools, library, & additional community amenities including internet, cable TV, and general lawn care. Conveniently located close to shopping, restaurants, & the beach, this home offers the perfect combination of comfort, convenience, and community living. Come see all this wonderful home has to offer! Make your appointment today!

1171 Seminole Court NE, Palm Bay
875 Dupont Street NE, Palm Bay
$375,000
3 Beds ⋅ 2 Baths ⋅ 1088099 MLS
Welcome home to this move-in-ready 3-bedroom, 2-bath pool home offering 1,380 sq. ft. of comfortable living space, a 2-car garage, and NO HOA! Step inside to a spacious, open floor plan featuring a large family room perfect for relaxing, entertaining, and gathering with family and friends. The family room flows seamlessly into the kitchen, complete with granite countertops, sleek dark appliances, and plenty of cabinet and storage space. The primary suite offers a private bath with a walk-in shower. With no carpet throughout the home, everyday maintenance is simple and easy. Step outside and enjoy your own Florida retreat featuring a sparkling saltwater pool, spacious backyard, and large enclosed lanai--perfect for outdoor dining, entertaining, or relaxing year-round. Recent improvements include a 2023 roof, a new energy-efficient tankless water heater installed in 2025, and new stucco completed in 2025. Enjoy the convenience of being approximately 12 miles from the beach.

875 Dupont Street NE, Palm Bay
643 Binney Street NE, Palm Bay
$229,900
3 Beds ⋅ 2 Baths ⋅ 1087915 MLS
Affordable starter home in a great location in Central Palm Bay close to shopping, schools & more. Great opportunity for a first time home buyer, someone looking to downsize, or an investor seeking a solid addition to their portfolio. City water & sewer. This concrete block home features 3 Bedrooms, 2 Baths with a 1 car garage. Open floor plan with tile throughout. No carpet. New Roof in 2024. Newer A/C 2020. Updated electrical system 2014. Large back yard with plenty of room. NO HOA!!! Don't miss this opportunity to make this your home.

643 Binney Street NE, Palm Bay
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