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356 Olster St SW, Palm Bay, FL, 32908

5beds
2baths
2,263sqft
$399,999
$177price/sqft
$2,827/moest. monthly cost
$113,080/yrincome needed

About This Home

Fully remodeled 5BR/2BA home in Palm Bay with **NO HOA!** Major 2025 upgrades include a new roof, HVAC, water heater, and septic pump for peace of mind. This split floorplan offers privacy plus **two spacious living areas**, perfect for flexible living. Interior features ceramic tile and LVP flooring throughout. The oversized kitchen boasts white shaker cabinets, quartz countertops, stainless smart appliances, and a huge center island ideal for gathering. A whole-house water treatment system is included. The expansive primary suite features two walk-in closets, a walk-in shower, and a jetted tub. Enjoy a fully fenced backyard with a grill area and fire pit—ready for entertaining.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
3/10
Southwest Middle SchoolGrades 7-83.7 mi
3/10
Bayside High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 2004

Materials

  • Roof: Shingle
  • Construction materials: Block,Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Microwave,Water Softener Owned

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Guest Suite,His and Hers Closets,Primary Bathroom - Shower No Tub,Primary Bathroom - Tub with Shower,Split Bedrooms,Walk-In Closet(s)
  • Flooring: Tile,Vinyl

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,263 sqft

Property

Details

  • Parcel number: 293624Jp01528.00009.00
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Fire Pit,Storm Shutters
  • Fencing: Wood
  • Has view: Yes
  • View description: Other

Lot

  • Lot size: 10,454 sqft
  • Features: Few Trees,Sprinklers In Rear

Parking

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

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
  • Lightning
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Inland Flooding
Strong Wind
Tornado
Wildfire
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 $2,022$24,264
Home Insurance *$197$2,364
Property Taxes $381$4,572
Electricity $227$2,732
Total$2,827$33,924
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,925/yr
40% on housing$84,810/yr
45% on housing$75,386/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

$177This listing

vs Other Active Listings

Avg $/sqft

ZIP 32908$172
Brevard County$192

vs Homes Sold Last Month

Median $/sqft

ZIP 32908$185
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
2026-03-08Price change$399,999
2026-02-15Listed for sale$419,000
2025-05-22Sold$358,500
2025-04-14Pending sale$339,989
2025-04-05Listed for sale$339,989
2025-03-31Pending sale$339,989
2025-03-20Price change$339,989
2025-03-18Pending sale$339,990
2025-03-11Price change$339,990
2025-03-06Price change$358,900
2025-02-10Listed for sale$359,900
2024-11-13Sold$190,000
2024-09-20Sold$100,000
2004-04-16Sold$155,000
2002-11-05Sold$5,300

For Sale by Agent

AgentElliott C. Grozan
BrokerageDenovo Realty

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