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For SaleSingle Family Home
$440K
348 Gardendale Circle SE, Palm Bay, FL 32909
Palm Bay - St. Johns Heritage Parkway neighborhood
Subdivision: Monterey Cove at Bayside Lakes
3
Bedrooms
2
Bathrooms
1,980
Sq Ft
2004
Year Built
$222 /sqft

About This Property

Description from listing agent

Move-in ready lakefront pool home in gated community of Monterey Cove at Bayside Lakes! Low-maintenance Florida living with HOA lawn care, mulching, and weeding included. The screened pool, spa, and covered lanai create the perfect backyard retreat for relaxing or entertaining with peaceful water views. Open floor plan features spacious kitchen with center island and breakfast nook overlooking the living and family rooms. Split 3-bedroom layout offers privacy and functionality. Interior highlights include tile flooring in main living areas, carpeted bedrooms, plantation shutters, and custom closet organizers. Major updates include 2025 roof, 2020 AC, 2020 water heater. Oversized 2-car garage w/ epoxy floors, storage, workbench, and extra refrigerator. Gated community amenities include clubhouse, pool, tennis, basketball, and playground. Convenient to I-95, Northrop Grumman, L3Harris, shopping, dining, and beaches. Some photos virtually staged to showcase the home's potential.

Space Coast Context

🚀 Launch Viewing — Fair Views

43.1 mi from SLC-40

43.1 miles from SLC-40 — visible as a bright streak in good conditions.

Aerospace Commute Guide
L3Harris10.9 mi~24 min
Northrop12.9 mi~29 min
Blue Origin37.3 mi~1h 23m
SpaceX38.3 mi~1h 25m
Lockheed38.3 mi~1h 25m
Boeing/KSC39.8 mi~1h 29m
KSC40.2 mi~1h 30m

Estimates only — verify with Google Maps.

Flood Risk

Zone X — Minimal Risk

Outside the Special Flood Hazard Area. Flood insurance is optional but recommended.

Estimated flood insurance: $500 – $1,200 / yr — varies by coverage, elevation & insurer

Source: FEMA National Flood Hazard Layer. Insurance estimates are ranges only — get a quote for accurate pricing.

Price History

Date
Event
Price
  • 6/27/26
    Price change
    $440K -1.2%
    $222/sqft

Tracked by MaxxCity from the date each listing first appeared in our system — earlier history isn't available from the MLS feed.

Offer Intelligence

Price history and market context for this listing.

Price Reductions
1 reduction
Originally listed at $439,500 · Cut $5,500 total
How we match comps

Comps are pulled directly from the Space Coast MLS — sold sales only, closed within the last 180 days. We apply hyper-local matching criteria in this order:

  • Same property type, always (single family, condo, townhouse, etc.)
  • Single-story homes compared only to single-story (and multi to multi)
  • Exact bedroom count
  • Bathrooms within ±0.5
  • Garage spaces within ±1
  • Pool status must match
  • Waterfront status must match
  • HOA must match (HOA community vs. no HOA)
  • Price within ±5–20% of list price (tightest in early tiers)
  • Square footage within ±10–25% (tighter in early tiers)
  • Year built always within ±5–20 years (never dropped)

We search in tiers, expanding the radius only as needed — starting in the same subdivision within 1 mile, then 2 miles, then the same neighborhood within 3 miles, and the same zip code within 5 miles as a last resort. For luxury homes ($5M+), where nearby comps are scarce, we widen the search to 5–20 miles. Year built is always required so comps are from the same era of construction. The median is weighted toward nearer sales, and sales within the last 90 days count 2× to reflect current market conditions.

Median estimate is based on similar active listings and homes that have sold within the last 180 days in this area, as reported through Brevard MLS. This is not an appraisal or a Comparative Market Analysis (CMA). Before making an offer, work with a licensed real estate agent to obtain a CMA, or hire a certified real estate appraiser for an independent valuation.

Additional Details

Lot Size
0.2 acres (8,712 sqft)
Full Baths
2
Garage
2 car (attached)
HOA Fee
$115/mo
Waterfront
Yes
Pool
Yes
Days on Market
77
MLS Area
343 - SE Palm Bay

Community & HOA

HOA

  • Name: MONTEREY COVE AT BAYSIDE LAKES
  • Fee: $115 / monthly

Schools

Elementary

Westside

Middle School

Southwest

High School

Bayside

Financial & Listing Details

Listed
Apr 25, 2026
Parcel #
29-37-19-76-00000.0-0047.00
$440K

Listing Agent (for property info)

J
Jennifer J Pecora
Watson Realty Corp
321-474-1098
Call Listing Agent

Estimated Monthly Payment

$3,020/mo
Principal & interest
$2,316
Property taxes
$440
Insurance & HOA
$265

Based on a 6.90% rate, 30-year loan, and $440K price — down payment shown: $87,900.

This is a quick estimate only — it does not include items like mortgage insurance, closing costs, or rate-lock terms. For an accurate payment based on your credit and finances, get pre-qualified with a certified bank or licensed mortgage brokerage.

MLS# 1075692

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Equal Housing Opportunity

MLS# 1075692 · Listing Broker: Watson Realty Corp · 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. The data is deemed reliable but is not guaranteed accurate by the MLS. Listing information provided by Space Coast Association of REALTORS® and the Space Coast MLS. © 2026 Space Coast Association of REALTORS®. All rights reserved. · MaxxCity Realty LLC · Licensed in Florida.