Palm Bay Homes under $400,000

Palm Bay Homes under $400,000

Welcome to Palm Bay, Florida—an enchanting city nestled in the heart of Brevard County, where the sun shines brightly and the lifestyle is as vibrant as the tropical landscape. Known for its friendly atmosphere and rich community spirit, Palm Bay offers the perfect blend of suburban charm and natural beauty. With stunning waterways, lush parks, and a strong sense of community, it’s no wonder that families, retirees, and young professionals alike are drawn to this delightful coastal paradise.

Palm Bay is not just a beautiful place to live; it’s also a haven for homebuyers seeking affordability without compromising on quality. Here, you can find an array of homes under $400,000, making it easier for you to find your dream home without breaking the bank. Whether you’re looking for a cozy single-family home, a modern townhouse, or a spacious property with a backyard for the kids to play in, Palm Bay has something to suit every taste and budget.

Imagine waking up to the gentle sounds of nature, enjoying your morning coffee on a sunlit patio, and taking leisurely strolls through scenic parks or along the picturesque Indian River. With excellent schools, convenient shopping, and a plethora of recreational activities at your doorstep, Palm Bay truly offers a lifestyle that balances relaxation and adventure.

Explore the charm of Palm Bay, where your dream home awaits amidst a thriving community. Discover the possibilities today and make this beautiful city your new home!

Newest Palm Bay Homes under $400,000

1510 Shamrock Avenue SE, Palm Bay
$369,000
4 Beds ⋅ 2 Baths ⋅ 1089443 MLS
Welcome Home! Step inside this beautifully maintained 4-bedroom, 2-bath, 2-car garage home, built in 2020, where modern design, comfort, and functionality come together. Offering just under 1,900 square feet of living space, this thoughtfully designed home provides plenty of room to relax, entertain, and grow. The bright and spacious open-concept floor plan creates an effortless flow between the kitchen, dining area, and Great Room—perfect for everyday living and entertaining family and friends. At the heart of the home is the gourmet designer kitchen, featuring beautiful quartz countertops, all-wood cabinetry with decorative hardware, stainless steel appliances, tile flooring, a large breakfast bar/island, and a convenient pantry. The desirable split-bedroom floor plan provides added privacy, while tall ceilings and thoughtful finishes give the home an open and welcoming feel. Sliding glass doors from the dining area lead to the screened back porch, creating the perfect spot for morning coffee, evening relaxation, or enjoying Florida's year-round outdoor lifestyle. Step outside to the fully fenced backyard, complete with an additional paver area ideal for grilling, entertaining, or creating your own outdoor retreat. Built in 2020 with comfort and efficiency in mind, this home also features city water, indoor laundry, ceiling fans, window coverings, stylish accent walls, tall ceilings, and so much more. Modern, spacious, move-in ready, and designed for easy Florida living—this is a home you'll be excited to make your own!

1510 Shamrock Avenue SE, Palm Bay
370 Carol Drive NE, Palm Bay
$390,000
3 Beds ⋅ 2 Baths ⋅ 1089431 MLS
NO HOA and packed with updates! This beautifully updated 3-bed, 2-bath home features a desirable split floor plan and is situated on a spacious .27-acre lot. Highlights include a completely renovated kitchen, new A/C, 2023 roof, LVP flooring throughout, custom walk-in closet, and fenced backyard. Conveniently located near Lockmar Elementary School with easy access to I-95, shopping, dining, and everyday conveniences. With numerous additional improvements throughout, this move-in-ready home is one you'll want to see!

370 Carol Drive NE, Palm Bay
206 Wendover Road SW, Palm Bay
$325,000
4 Beds ⋅ 2 Baths ⋅ 1089414 MLS
Enjoy a 2023 roof, 2023 HVAC, 2023 water heater, 2023 plumbing, and 2023 electrical, all offering the peace of mind that comes with a nearly new home. Over $25,000 in custom upgrades elevate this modern 2023 built home. The open concept interior features 2023 finishes, fixtures, flooring, and appliances, while the fully fenced backyard adds privacy and space to roam. A wide side yard provides dedicated 2023 RV/boat/trailer parking capability, all with no HOA limiting your freedom. This property delivers modern construction, upgraded features, and flexible living in a prime Palm Bay location.

206 Wendover Road SW, Palm Bay
1330 Lamplighter Drive NW Unit 44, Palm Bay
$389,990
4 Beds ⋅ 2 Baths ⋅ 1089425 MLS
3 Car Garage! City water ! Brand-new home combines elegance, comfort, modern convenience. Built with durable block, stucco construction, open floor plan features 4 bedrooms, 2 baths, and 1,904 sq. ft. of living space. With 9'4'' ceilings and 8' doors , home feels bright, airy, and spacious. Enjoy Florida outdoors on large 9' x 22' integrated lanai with grill nook. The kitchen, a true showpiece, boasts Shaker-style cabinets with elegant crown molding, beautifully paired with granite countertops. Luxury vinyl plank flooring flows throughout home, providing durability and style. A stainless-steel appliance package is INCLUDED, featuring 24.3 cubic foot side-by-side refrigerator with built-in ice maker, 30'' freestanding smooth-top electric range,1.6 cubic foot over-the-range microwave, and dishwasher--ensuring fully equipped and modern kitchen. . For added peace of mind, purchase includes a 2-10 Builder's Warranty. NOTE: Photos are for example purposes onl

1330 Lamplighter Drive NW Unit 44, 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
1054 Daytona Drive NE, Palm Bay
$239,000
3 Beds ⋅ 2 Baths ⋅ 1089418 MLS
If you love a home filled with natural light, this one delivers! This bright and cheerful 3-bedroom, 2-bath concrete block home is full of sunshine. Tile floors throughout mean no carpet to worry about, and impact windows add extra peace of mind. The roof was replaced in 2024, and the sewer line has also been professionally lined. The oversized sunroom/patio is perfect for morning coffee, relaxing, entertaining, or filling the space with your favorite plants. Outside, the nice-sized yard offers plenty of room to play, garden, or create your own backyard retreat. And an added bonus that's hard to find in this neighborhood: a garage! This home is easy to love.

1054 Daytona Drive NE, Palm Bay
1925 Live Oak Street NE, Palm Bay
$189,900
2 Beds ⋅ 2 Baths ⋅ 1089416 MLS
THIS BEAUTIFUL HOME IS THE PERFECT SPOT FOR A FULL-TIME RESIDENT OR SNOWBIRD! LOCATED IN A CLEAN, QUIET, AND SECURE PALM BAY SUBDIVISION, THIS PROPERTY OFFERS COMFORT, CONVENIENCE, AND PLENTY OF APPEAL. THE VOLUNTARY HOA OFFERS AMAZING AMENITIES FOR THOSE WHO CHOOSE TO JOIN. MAJOR UPDATES INCLUDE A BRAND-NEW AC AND NEWER ROOF, PROVIDING PEACE OF MIND FOR THE NEXT OWNER. SOME BEDROOM AND LIVING ROOM FURNISHINGS WILL CONVEY, MAKING THIS HOME EVEN MORE MOVE-IN READY. ENJOY THE FRESH AIR FROM THE SCREENED PORCH, PERFECT FOR RELAXING OR ENTERTAINING. A DEDICATED UTILITY ROOM PROVIDES CONVENIENT WASHER AND DRYER SPACE, WHILE THE SHED IN THE FENCED BACKYARD OFFERS VALUABLE EXTRA STORAGE. QUIET STREETS ARE IDEAL FOR WALKING THE DOG OR ENJOYING AN EVENING BIKE RIDE. YOU'LL ALSO LOVE THE CONVENIENT LOCATION CLOSE TO SHOPPING, BANKING, MEDICAL OFFICES, AND THE BEAUTIFUL SPARKLING WATERS OF THE OCEAN. TAKE A DRIVE THROUGH THIS WONDERFUL AREA AND COME SEE ALL THIS HOME HAS TO OFFER!

1925 Live Oak Street NE, Palm Bay
1077 Soleway Avenue NW, Palm Bay
$380,504
4 Beds ⋅ 2 Baths ⋅ 1089410 MLS
This 4-bedroom, 2-bath home offers a bright, open layout with a flexible front room featuring double-door entry—perfect for a home office, den or fourth bedroom. A transom and sidelights fill the foyer with natural light, while vaulted ceilings enhance the airy feel of the main living spaces. The kitchen features quartz countertops, a double window, breakfast bar, adjoining nook and deep pantry. A separate dining room provides defined space while remaining connected to the living area. Tile flooring flows through the living and wet areas, with carpet in the bedrooms. Both baths feature quartz countertops. The primary suite includes a walk-in closet, garden tub and separate shower, while the secondary bath has a tub/shower combination. Out back, enjoy a peaceful water view. Located in gated St. John's Preserve with no CDD, low HOA, pool, playground and sidewalks.

1077 Soleway Avenue NW, Palm Bay
1595 Kylar Drive NW, Palm Bay
$392,343
4 Beds ⋅ 3 Baths ⋅ 1089403 MLS
Welcome to easy Florida living in this bright and airy 4-bedroom, 3-bath home. Soaring 10' ceilings lead you from the foyer through the sun-filled living space to double doors opening onto an extra-deep covered lanai—perfect for morning coffee or relaxing at the end of the day. The kitchen keeps everyone connected with quartz counters, an island, peninsula and a window over the sink bringing in even more Florida sunshine. Every bedroom has a generous walk-in closet, and every bath has its own linen closet. The primary suite offers an oversized closet, double vanity, 5' fiberglass shower and private water closet. Bedroom 2 enjoys its own ensuite bath, while Bedroom 4 has direct access to the cleverly designed third bath. Tile throughout the living areas and carpeted bedrooms complete the home. With NO CDD and a low HOA, this thoughtfully designed home delivers the space, storage and relaxed coastal Florida lifestyle you've been looking for.

1595 Kylar Drive NW, Palm Bay
942 Chace Lane NE, Palm Bay
$325,000
4 Beds ⋅ 4 Baths ⋅ 1089385 MLS
Welcome home to this move-in-ready two-story home in Palm Bay! This home offers a flexible floor plan with plenty of space and some great features, including granite countertops, a metal roof, and hurricane shutters. Downstairs, you'll find a bonus room with its own private entrance, offering plenty of possibilities. Use it as guest space, in-law accommodations, a home office, or an additional living area. There is also a park right across the street, giving you an easy place to get outside and enjoy the Florida weather. Conveniently located near shopping, dining, major roadways, the beaches, Kennedy Space Center, and has easy access to the Orlando area. With its flexible living space and convenient location, this Palm Bay home is ready for its next owner. Come take a look and see everything it has to offer!

942 Chace Lane NE, Palm Bay
353 NW Rheine Road NW, Palm Bay
$299,900
3 Beds ⋅ 2 Baths ⋅ 1089380 MLS
Welcome home! This 3-bedroom, 2-bath home in NW Palm Bay offers approximately 1,472 square feet of living space and a chance to start your next chapter with several major updates already completed. A new roof installed in 2025 and a new AC system added in 2026 which means two of the biggest homeownership expenses have recently been addressed. Accordion shutters installed in 2026 provide added storm protection and makes preparing for Florida weather a little easier. Inside, updated kitchen countertops and a backsplash bring a fresh touch to a space where morning coffee, everyday meals, and conversations naturally come together. Whether you're buying your first home or looking for a change, this property gives you a place to settle in, add your own style, and create lasting memories. The combination of recent improvements and opportunities to personalize makes this home worth a closer look. Come see it for yourself and picture the possibilities. Schedule your private showing today!

353 NW Rheine Road NW, Palm Bay
2663 Kingswood Drive NE, Palm Bay
$209,900
2 Baths ⋅ 1089376 MLS
Two units - one is a 2 bedroom and 1 bath. The other is a 1 bedroom 1 bath.

2663 Kingswood Drive NE, Palm Bay
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