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1046 Dugan Circle SE, Palm Bay, FL, 32909

5beds
3baths
2,626sqft
$449,000
$171price/sqft
$3,135/moest. monthly cost
$125,400/yrincome needed

About This Home

Welcome to the upgraded waterfront lifestyle buyers dream about where the work is already done, the upgrades are already in place, and even the furnishings can be yours. Located in Cypress Bay West's sought-after Tradition/Freedom Series in Palm Bay, this beautifully enhanced Hayden floor plan offers 2,626 sq ft of thoughtfully designed living space, combining the peace of mind of nearly new 2024 concrete block construction with custom finishes, designer details, and top-to-bottom improvements that far exceed builder-grade offerings. Featuring 5 bedrooms, 3 full baths, a flexible front room ideal for office or play, plus an expansive upstairs loft/family room with closet that can easily serve as a 6th bedroom, this versatile layout is ideal for multigenerational living, remote work, or growing households. A first-floor bedroom and full bath provide exceptional guest or in-law flexibility. Inside, sellers have transformed the home with luxury wood-look flooring throughout, eliminating all carpet, custom office built-ins, upgraded kitchen finishes, designer lighting, statement feature walls, wine display, and elevated design throughout. All three original builder-grade bathroom vanities have been removed and replaced with stylish, upgraded selections. The downstairs full bath showcases boutique Milano raised oval sink bowls paired with LED dimmable anti-fog mirrors for a polished, spa-inspired feel. The primary suite has been beautifully enhanced with double raised sinks, Carrara white cultured marble countertops, soft-close cabinetry with abundant storage, mounted towel warmer, two LED dimmable anti-fog mirrors, and separate his-and-her closets with custom built-ins. Guest bedrooms are generously sized to comfortably accommodate queen or king furnishings, offering flexibility and comfort throughout. The open-concept kitchen seamlessly connects to living and dining spaces and features quartz countertops, spacious cabinetry, oversized single-bowl undermount sink, center island, stainless-steel appliances, and walk-in pantry—perfect for both daily living and entertaining. Outdoors, enjoy a fully fenced waterfront backyard already complete, delivering privacy, security, and tranquil views without costly post-closing projects. Smart home technology adds modern convenience, while future community amenities currently underway including pool, playground, pickleball courts, and clubhouse - promise an even richer lifestyle ahead. Furnishings are also available separately, creating a rare turnkey opportunity. Why buy brand new and start upgrading from scratch when this extensively improved home already delivers style, comfort, luxury, and value? Modern Florida living starts here.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
Sunrise Elementary SchoolGrades PK-60.9 mi
3/10
Southwest Middle SchoolGrades 7-86.3 mi
3/10
Bayside High SchoolGrades 9-124.1 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2024

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Stucco

Other

  • Builder model: Hayden
  • Builder name: D.R. Horton

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary,Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Range,Electric Water Heater,Disposal,Gas Water Heater,Ice Maker,Microwave,Oven,Range,Refrigerator,Water Heater,Washer
  • Laundry features: Inside,Laundry Room,In Unit,Upper Level

Bedroom2

  • Level: First
  • Area: 121
  • Dimensions: 11 X 11

Bedroom3

  • Level: Second
  • Area: 110
  • Dimensions: 10 X 11

Bedroom4

  • Level: Second
  • Area: 121
  • Dimensions: 11 X 11

Bedroom5

  • Level: Second
  • Area: 121
  • Dimensions: 11 X 11

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: First
  • Area: 120
  • Dimensions: 8 X 15

Family Room

  • Level: Second
  • Area: 140
  • Dimensions: 10 X 14

Features

  • Built-in Features,Dual Sinks,Eat-in Kitchen,Kitchen Island,Living/Dining Room,Pantry,Split Bedrooms,Separate Shower,Upper Level Primary,Vaulted Ceiling(s),Walk-In Closet(s)
  • Window features: Blinds,Sliding
  • Flooring: Carpet,Laminate,Tile,Wood

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 3,088
  • Total interior livable area: 2,626 sqft

Kitchen

  • Level: First
  • Area: 136
  • Dimensions: 17 X 8

Laundry

  • Level: Second
  • Area: 30
  • Dimensions: 5 X 6

Living Room

  • Level: First
  • Area: 255
  • Dimensions: 17 X 15

Master Bedroom

  • Level: Second
  • Area: 260
  • Dimensions: 13 X 20

Property

Details

  • Parcel number: 30370450000000219
  • Zoning: Residential
  • Special condition: Standard,Listed As-Is
  • Other equipment: Irrigation Equipment

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Association
  • Exterior features: Barbecue
  • Fencing: Back Yard,Chain Link,Fenced
  • Has view: Yes
  • View description: Pond,Water
  • Has water view: Yes
  • Water view: Pond,Water
  • Waterfront features: Lake Front,None,Pond
  • Frontage type: Waterfront
  • Frontage length: 54.00,54.00

Lot

  • Lot size: 6,969 sqft
  • Features: Landscaped,Sprinklers Automatic,Sprinkler System,< 1/4 Acre
  • Lot size dimensions: 60 x 125

Parking

  • Total spaces: 2
  • Parking features: Attached,Driveway,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Wildfire
    WildfireRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Inland Flooding
Lightning
Strong Wind
Wildfire
Cold Wave
Drought
Tornado
Tsunami

FEMA Declared Disasters in Brevard County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,270$27,240
Home Insurance *$347$4,164
Property Taxes $254$3,048
Electricity $264$3,171
Total$3,135$37,620
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,485/yr
40% on housing$94,050/yr
45% on housing$83,600/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.8%
13.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.8%
4.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$171This listing

vs Other Active Listings

Avg $/sqft

ZIP 32909$181
Brevard County$192

vs Homes Sold Last Month

Median $/sqft

ZIP 32909$188
Brevard County$209

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-05-05Listed for sale$449,000
2024-06-13Sold$395,675
2024-03-14Pending sale$410,675

For Sale by Agent

AgentDahlia M Gotzmann, Atlantic Key Realty Group
BrokerageAtlantic Key Realty Group

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