1046 Dugan Circle SE, Palm Bay, FL, 32909 | $449,000

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.

Features

  • Amenities: Playground, Pool, Pickleball Court(s), Sidewalks, Street Lights, Recreation Facilities
  • Rooms: 10
  • Bedrooms: 5
  • Baths: 3 full
  • Lot Size: 60x125
  • Laundry: Inside, Laundry Room, In Unit, Upper Level
  • Style: Contemporary, Traditional
  • Development: Cypress Bay West
  • Year Built: 2024
  • Garage: 2-car Attached
  • Heating: Central, Electric
  • Cooling: Central Air, Ceiling Fan(s), Electric
  • Approx Sq. Feet: 2,626
  • Acreage: 0.16
  • Lot Size: 60x125
  • Est. Taxes: $7,016
  • HOA Fee: $44 Monthly
  • Lot Desc: Sidewalks, Landscaped
  • View: Water, Pond
  • Water Front: Yes
  • Pet Policy: Yes, Cats OK, Dogs OK
  • Appliances: Electric Water Heater, Gas Water Heater, Dryer, Disposal, Dishwasher, Electric Range, Ice Maker, Microwave, Oven, Refrigerator, Water Heater, Washer, Range
  • MLS#: B26024246
  • Website: https://www.raveis.com
    /prop/B26024246/1046dugancirclese_palmbay_fl?source=qrflyer
Copyright © 2026  Beaches Multiple Listing Service, Inc
All listings featuring the BMLS logo are provided by BeachesMLS Inc. This information is not verified for authenticity or accuracy and is not guaranteed.
Listing courtesy of Atlantic Key Realty Group

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

1046 Dugan Circle SE, Palm Bay, FL, 32909

$449,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $359,200 $359,200 $359,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.250% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.324% 6.398% 5.614%
Monthly Tax Payment $585 $585 $585
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,125 $2,212 $2,911
Total Monthly Payment $2,785 $2,872 $3,571

* 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.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.