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920 GARDEN ROAD, Merritt Island, FL, 32952

5beds
2baths
1,762sqft
$399,000
$226price/sqft
$3,147/moest. monthly cost
$125,880/yrincome needed

About This Home

Discover this beautifully updated 5-bedroom, 2-bath pool home with no HOA! Offering plenty of space for family and entertaining, this move-in ready home features a long list of major upgrades for added peace of mind. Enjoy a new roof (November 2025), HVAC (2022), complete home replumb (2022), full electrical rewire with new electrical panel (2022), and an epoxy-coated garage floor (2022). Step outside to your private backyard oasis where the pool and pool deck were resurfaced in 2023, creating the perfect space to relax or entertain year-round. With no HOA restrictions and so many big-ticket improvements already completed, this home is ready for its next owners to move in and enjoy!

Getting Around

29
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

8/10
7/10
5/10
Merritt Island High SchoolGrades PK,9-122.6 mi

Construction

Condition

  • Year built: 1964

Materials

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

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Laundry Room

Bathroom1

  • Features: Ceiling Fan(s),Built-in Closet
  • Level: First

Bathroom2

  • Features: Ceiling Fan(s),Built-in Closet
  • Level: First

Bathroom3

  • Features: Ceiling Fan(s),Built-in Closet
  • Level: First

Bedroom4

  • Features: Ceiling Fan(s),Built-in Closet
  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Open Floorplan,Stone Counters,Thermostat
  • Door features: Sliding Doors
  • Flooring: Luxury Vinyl

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,978
  • Total interior livable area: 1,762 sqft

Kitchen

  • Features: Stone Counters,Storage Closet
  • Level: First

Living Room

  • Features: Coat Closet
  • Level: First

Primary Bedroom

  • Features: Ceiling Fan(s),Built-in Closet
  • Level: First

Property

Details

  • Parcel number: 25 360230D8
  • Zoning: RU19
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Private pool: Yes
  • Pool features: In Ground
  • Exterior features: Private Mailbox

Lot

  • Lot size: 10,019 sqft
  • Lot size dimensions: 64 x 127

Parking

  • Total spaces: 1
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
    HurricaneRelatively High
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
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 $2,017$24,204
Home Insurance *$469$5,628
Property Taxes $464$5,568
Electricity $197$2,366
Total$3,147$37,764
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,897/yr
40% on housing$94,410/yr
45% on housing$83,920/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

$226This listing

vs Other Active Listings

Avg $/sqft

ZIP 32952$323
Brevard County$192

vs Homes Sold Last Month

Median $/sqft

ZIP 32952$257
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)

Price History

DateEventPrice
2026-07-02Listed for sale$399,000
2022-06-29Sold$369,900
2022-05-11Contingent$369,000
2022-05-06Listed for sale$369,000
2022-04-21Listing removed--
2022-03-23Contingent$369,000
2022-03-02Listed for sale$369,000
2021-10-26Sold$231,000
1998-03-03Sold$75,000

For Sale by Agent

AgentChris Creegan
BrokerageCREEGAN GROUP

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