tomo logo

$490,000

Beds
4
Baths
3.0
sq ft
2,110

490 Garfield St SW, Palm Bay, FL 32908

490 Garfield St SW

Palm Bay, FL 32908

  • 3 days on market
This home truly has it all! Featuring a desirable open split floor plan, 4 spacious bedrooms, and 3 full bathrooms, it's designed for both comfort and functionality. Step into the heart of the home—an expansive kitchen with a large island offering ample seating, quartz countertops, stainless steel appliances, a stylish stone backsplash, and upgraded flooring throughout the main living areas and bathrooms. Vaulted ceilings add an airy, open feel.You'll fall in love with the luxurious master suite, complete with a spa-like bathroom that boasts a generous walk-in shower and a separate soaking tub.Step outside to your private oasis—a covered lanai leading to a sparkling pool with a hot tub, all set within a fully fenced backyard bordered by peaceful wooded lots. No HOA, a quiet neighborhood, and a top-of-the-line well water system with reverse osmosis for drinking water add even more value..All of this, and you're still just minutes from shopping, schools, and everyday amenities!

Details

Property type

Single Family Residence

Est. home value

$374,869

Lot size

0.23 acres

Price per sq ft

$233

Year built

2019

Annual property taxes

$5,542.45

Price History

03/27/2025
BrevardMLS

BrevardMLS #1041125

Listed
$490,000
+36.11%
02/17/2022
BrevardMLS

BrevardMLS #923395

Sold
$360,000
+18.42%
04/05/2021
BrevardMLS

BrevardMLS #898557

Sold
$304,000
+12.18%

Schools & Community

Elementary school: 

Westside

Middle school: 

Southwest

High school: 

Bayside

Negotiation Insights

Before you make an offer, understand who you are negotiating with so you can tailor your negotiation strategy to their situation.

Seller could get up to

$184,411
Asking price
$490,000
Closing costs (~8% of asking)
-$39,200
Est. remaining loan balance
-$266,389
Cash to seller
$184,411

This is an estimate of how much the seller could receive at closing after paying off the outstanding mortgage.

Seller’s Loan History

Lender

United Wholesale Mortgage

Loan start date

February 2022

Original loan amount

$285,000

Est. remaining balance

$266,389

Interest rate

3.11%

Loan type

New Conventional, 30 year

Seller

Kenneth M Wholey and Lyndsey A Wholey

Source: Public records data

If you're the owner, you can request to remove loan details. Email listingsupport@tomo.com

How insights can help you

Interest rate

If the seller has a low interest rate, they may be tempted to rent the property out if they can't get the price they have in mind.

Motivation

If the seller already got a job in a different city, they may feel pressure to sell quickly to free up cash for a new home.

Equity

If the seller stands to receive a large amount of cash when they sell the property, they might be willing to negotiate on the offer price.

Interested in learning more?

Status: Active

Tomo last checked: 03/30/2025 at 7:50 PM

Listing updated: 03/27/2025 at 1:16 PM

Listed by: George J. Bears Sr., RE/MAX Aerospace Realty Phone #: (321) 631-5511

MLS: BrevardMLS #1041125

BrevardMLS logo

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