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Welcome to 1313 Ethel Circle — a move-in ready home with the space, updates, and lifestyle today's families are looking for. Situated on nearly 1/3 acre, this charming 3-bedroom, 2-bathroom home offers room to grow, play, entertain, and make lasting memories. Inside, you'll find a bright, freshly painted interior that feels clean, welcoming, and ready for your style. Big-ticket updates like a 2022 roof and brand-new electrical panel give buyers added confidence and peace of mind from day one. Built for Florida living, the home also features hurricane impact windows, offering both protection and improved energy efficiency. The vinyl flooring throughout is perfect for busy households with kids or pets, giving you durability and easy maintenance without sacrificing style. The kitchen includes a reverse osmosis water filtration system installed under the sink, giving you clean, high-quality drinking water right at home — a small upgrade that makes a big difference. Step outside and enjoy one of the home's best features: a fully fenced backyard with plenty of space for kids to play, pets to run, family BBQs, or future outdoor upgrades. Two additional storage sheds provide excellent extra space — and one even has electric already connected, making it perfect for a workshop, hobby space, or additional storage. The screened-in porch is the perfect place to enjoy your morning coffee, relax after work, or unwind on the weekend. Conveniently located in the heart of Palm Bay, you're just minutes from shopping, dining, schools, and everyday essentials — plus quick access to I-95, making commuting simple and stress-free. Highlights include: City water & sewer No HOA Large lot with functional outdoor space Move-in ready with valuable upgrades Reverse osmosis water system Shed with electric + extra storage If you've been searching for an affordable, updated home with space to grow and commute with ease, 1313 Ethel Circle is one you won't want to miss.
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RVP, Mortgage Banker
William Raveis Mortgage, LLC
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Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $222,000 | $222,000 | $222,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.125% | 5.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.357% | 6.304% | 5.648% |
| Monthly Tax Payment | $256 | $256 | $256 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,313 | $1,349 | $1,799 |
| Total Monthly Payment | $1,644 | $1,680 | $2,130 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.