Townhouse in Vista Oaks West, Palm Bay · No CDD on record
Vista Oaks West · Palm Bay, FL 32905 · Brevard County
Listing data checked against the MLS November 2, 2026 at 10:52 PM ET · rechecked hourly
Listed by LPT Realty LLC (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
2Bedrooms
1.5Bathrooms
1,236Sq Ft
1978Year Built
$129Per Sq Ft
No CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
in line with
$/sq ft vs community
$129 here vs $130 median sold (12 mo)
Buyer leverage
Balanced market
4.4-month supply
4.4 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~22 ft elevation
$500–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 3 of 12
Price vs recent sales
Asking $159k tops 3 of the last 12 closed sales
Sources: Space Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
Highlights
4014 NE Vista Oaks Circle in Vista Oaks West, Palm Bay is listed at $159,000 (1,236 sq ft, about $129 per sq ft). That sits within a few percent of Vista Oaks West's median closed sale of $160,270 over the last 12 months (11 recorded sales). It came to market within the past week. Listing facts: built in 1978, HOA dues of $444/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1978 · 48 yrs
1,236 sq ft of living area
Listed at $159,000 — recent neighborhood median sale price ~$160,270 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA $444/mo (per listing)
Listing description
About this home
Florida Lifestyle living in this bright, sunny patio home. This home is designed for comfort and efficiency. Brand new roof with transferable warranty.
Fridge, electric stove and garbage disposal. Stove, dishwasher and microwave under a year. Panel box and water heater 2025.
AC is a couple years old. HOA covers water, trash, recycling and Cable/internet. The community is very well maintained This home is turn key and move in ready.
All 10 photos
Description provided by LPT Realty LLC and reproduced from the MLS; not independently verified.
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$145,400the mess$179,100
Directional estimate — built from 12 comparable closed sales in Vista Oaks West (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,792 recent closed sales we scored, the closed price landed inside the Messtimate range 58% of the time; median miss 9.6% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-11-01.
Actual list price: $159,000 ($129/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 23% spread on the same house — here is what a model can't see:
Condition & updates — a 1978 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
Carrying costs & concessions — this home carries HOA dues of $444/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
6 active listings competing
≈4.4 months of supply
6 closed here in the last 12 months
Want a property-specific value from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (12); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated November 1, 2026.
How it stacks up
Comparable recent sales
6 closed sales in Vista Oaks West in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Jun 2026
$183,000
2117 Joshua Drive, Palm Bay
2 / 1.5 bd/ba · 1,236 sq ft · $148/sq ft
Courtesy of Grand Star Realty of Brevard · View details →
Sold Jun 2026
$183,000
2117 Joshua Drive, Palm Bay
2 / 1.5 bd/ba · 1,236 sq ft · $148/sq ft
Courtesy of Grand Star Realty of Brevard · View details →
Sold Jan 2026
$100,000
3111 Kaileen Circle, Palm Bay
2 / 1.5 bd/ba · 1,236 sq ft · $81/sq ft
Courtesy of Home Wise Realty Group, Inc. · View details →
Sold Jan 2026
$100,000
3111 Kaileen Circle, Palm Bay
2 / 1.5 bd/ba · 1,236 sq ft · $81/sq ft
Courtesy of Home Wise Realty Group, Inc. · View details →
Sold Apr 2026
$172,000
3113 Kaileen Circle, Palm Bay
2 / 2.5 bd/ba · 1,236 sq ft · $139/sq ft
Courtesy of Grand Star Realty of Brevard · View details →
Sold Apr 2026
$172,000
3113 Kaileen Circle, Palm Bay
2 / 2.5 bd/ba · 1,236 sq ft · $139/sq ft
Courtesy of Grand Star Realty of Brevard · View details →
Median of these 6 sales: $160,270 ($130/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$159,000
Bed / bath2 / 1.5
Living area1,236 sq ft
Year built1978
Property typeTownhouse
MLS #1088264
Listing statusActive
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~22 ft
CountyBrevard
Area listings4 active · 1 under contract
Estimated first-year tax~$1,670/yr
CDD assessmentNone on record
HOA$444/mo
Calculated estimates
Price per sq ft$129
Estimated monthly payment$1,536
Insurance (illustrative)$500–$2k/yr
Messtimate range$100,116 – $182,928
Comparable-sales median$160,270
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$1,536/mo
Principal & interest $867/mo56%
Taxes $139/mo9%
Insurance $86/mo6%
HOA $444/mo29%
$1,536/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
What it really costs to own 4014 Ne Vista Oaks Circle
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
HOA dues
$444/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insurance
The average Citizens Property Insurance premium in Brevard County is $2,348/yr (6,986 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $500–$1,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 1978. An original roof would be about 48 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$1,670/yr
Estimate: a typical Brevard effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$500–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$444/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~22 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Brevard County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Brevard County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Coastal floodingRelatively Moderate
Inland floodingRelatively High
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windRelatively High
DroughtRelatively Low
HailRelatively Low
Cold waveRelatively Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Vista Oaks West Palm Bay
Pricing & the Vista Oaks West Palm Bay market
How this home is priced against recent nearby sales, and where Vista Oaks West Palm Bay has been over 25 years. Momentum Research analysis of Space Coast MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Vista Oaks West Palm Bay
Each dot is a closed sale since 2017 (190 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Space Coast MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2017–2026. This home lists at $129/sq ft.
Median sale price by year
12-month median closed price, 2017–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2018–2026. Now 13 (cold).
Property timeline
This home’s history
1978BuiltPer public record
Sep 23, 2026First seen on movewithmomentum.comObserved at $159,000
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $159,000LPT Realty LLC
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
67/100
Strongest on: Flood safety (95), Market timing (87)
0 limited50100 exceptional
67/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area52
This home $129/sq ft vs the community 12-month median $130/sq ft.
Affordability51
List price $159,000 vs the community median $160,270. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~22 ft elevation. Verify the parcel with FEMA.
Insurance cost53
From FEMA Zone X and a 1978 build. Obtain a property-specific quote.
Market liquidity49
Community median 61 days on market, ~4.4 months of supply (12-month record).
Pricing power84
Recent sales closed at about 91.2% of original asking (~8.8% below). More room below asking generally favors buyers.
Market timing87
Momentum Market Heat is 13/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $129 per square foot, about in line with the community’s $130 median. Vista Oaks West Palm Bay’s 12-month median sold price per square foot is $130. Median sold price per square foot is down 6.4% year over year. Confidence: Medium · 11 closed sales in 12 monthsMLS facts: Space Coast MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Vista Oaks West Palm Bay sales closed near 91.2% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Space Coast MLS records, community-level, 12 months ending July 15, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 4 active listings in Vista Oaks West Palm Bay, no CDD assessment.
Checked against the MLS November 2, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by LPT Realty LLC · MLS # 1088264
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Keep looking
Similar homes for sale near Vista Oaks West
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Retail Dining
Margarita Island opens in the former El Chico building on Evans Road, Melbourne
The Mexican restaurant chain opened at 1751 Evans Road in Melbourne, its fourth Brevard location and seventh in Florida. It offers a full menu and a full-service bar.
Why it matters: A new sit-down dining option adds to restaurant choices along the Evans Road area of Melbourne. The project is about 6 miles northwest of Vista Oaks West, elsewhere in Brevard County.
Brevard September home sales: single-family slows while condos and townhomes gain
Space Coast Association of Realtors data show the September single-family median price at $380,000, up 0.5%, with closed sales down 2.5% to 818 and 3.5 months of supply. Condo and townhouse median price rose 6.9% to $272,500, with 172 closed sales and 5.9 months of supply.
Why it matters: Tighter single-family supply and a firmer condo and townhouse segment point to differing inventory conditions across Brevard housing types. The project is about 15 miles north of Vista Oaks West, elsewhere in Brevard County.
Melbourne starts a citywide road condition survey with a scanning van
City consultant Michael Baker International began driving every city-maintained road on Oct. 15 with LiDAR, 3D scanners and cameras. The survey should finish by the end of 2026, and the Pavement Management Plan will be updated by early 2027 to prioritize resurfacing.
Why it matters: The survey will set the resurfacing priority list that shapes road conditions and repair timing across Melbourne. The site is about 3 miles north of Vista Oaks West.
Proposed Brevard County USL soccer stadium would anchor new mixed-use development
Developers unveiled plans for an 8,000-seat professional soccer stadium along West NASA Boulevard by Melbourne Orlando International Airport as the home of the Space Coast Soccer Club. The complex would include restaurants and retail space, with a targeted opening in spring 2028 and about 20 to 25 professional matches per year.
Why it matters: A new stadium and mixed-use complex would add restaurant, retail, and event space to this part of Melbourne and expand the local commercial and entertainment footprint. The project is about 5 miles northwest of Vista Oaks West, elsewhere in Brevard County.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Brevard County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEB
Palm Bay ElemAssigned elementary school · Brevard County School District · Grade B (Florida DOE 2025-26)
GRADEC
StoneAssigned middle school · Brevard County School District · Grade C (Florida DOE 2025-26)
GRADEC
Palm BayAssigned high school · Brevard County School District · Grade C (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 4014 NE Vista Oaks Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1978 (48 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $444/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Brevard County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,236 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $1,670/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
Space Coast MLS, checked against the MLS hourly (last: November 2, 2026)
Comparable sales
Space Coast MLS closed sales in Vista Oaks West, last 18 months, as of July 15, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Typical county effective rate applied to the list price; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Space Coast MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 4014 NE Vista Oaks Circle and when was it built?
Per the listing record, 4014 NE Vista Oaks Circle was built in 1978 and has 1,236 sq ft of living area, 2 bedrooms and 1.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 4014 NE Vista Oaks Circle in?
4014 NE Vista Oaks Circle is in Vista Oaks West in Palm Bay, Brevard County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 4014 NE Vista Oaks Circle have an HOA, and how much are the dues?
The listing reports HOA dues of $444 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 4014 NE Vista Oaks Circle differ from the current owner's?
The estimate on this page (about $1,670 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 4014 NE Vista Oaks Circle in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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See 4014 NE Vista Oaks Circle in person
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.