Illustrative scene: a Black couple in their late sixties carrying potting soil and a flat of flowers up the driveway of their 1980s gray-green stucco ranch under tall pines in Palm Bay, Florida

We Buy Houses in Palm Bay, FL

Sell your house fast for cash, as-is. A written offer within 24 hours of one call, and you pick the closing date.

Prefer to talk it through? Call (984) 489-8269

The Quick Version: Selling Your Palm Bay House for Cash

We buy houses in Palm Bay and across Brevard County for cash, septic systems and older roofs included.

Make one call about the house and its condition, and you'll have a written offer within 24 hours. There are no commissions, repairs, cleaning or showings, and we pay standard closing costs. Your cash offer is based on what you tell us about the house. If your answers reflect its real condition, the price on the contract is the price at closing. A title company or closing attorney handles the paperwork, and you pick the closing date, in as little as 14 days.

At a glance

No repairs or cleaning
No commissions or showings
We pay standard closing costs
Close in as little as 14 days

Selling in Palm Bay

From First Call to Closing on Your Palm Bay House

Illustrative scene: a white man in his seventies on the phone at the workbench in his garage in Palm Bay, a one-page letter under his hand

1. Talk Through the House
One call about your Palm Bay house: its age, the roof, the plumbing, whatever needs work. Nothing to fix or clean first.
2. See the Number in Writing
A written cash offer comes within 24 hours. No commissions, no showings.
3. Pick When You Close
A title company or closing attorney handles the paperwork for the closing date you choose.
Get My Cash Offer →
Takes about a minute.
or call (984) 489-8269

Palm Bay Storm Damage and Tired Roofs: Selling a House That Needs Work

In Palm Bay, hurricane damage has mostly meant wind and rain. Hurricanes Charley, Frances and Jeanne left the city with $13 million in damage and debris cleanup in 2004 ¹. In 2017, during Hurricane Irma, a Palm Bay rain gauge recorded 11.10 inches, and more than 7,000 homes in Brevard County were damaged, 450 of them destroyed or with major damage ⁴. Missing shingles, a ceiling stain or a tarp that's been up too long don't have to be fixed before you sell.

Flooding has been less of a problem here than in many Florida cities. The City notes that, historically, there has been little structural flood damage in Palm Bay even in major storms, with the Indian River Lagoon to the east and the St. Johns River and its marsh to the west as the flood hazards in severe rain ⁵. Water can still get in through a roof or a low spot in the yard, so mention anything you've seen.

Illustrative scene: a Black woman in her seventies shading her eyes to look at missing shingles and a blue tarp on the roof of her 1980s stucco house in Palm Bay

Palm Bay Sellers: Weighing a Listing Against a Cash Offer

Listed with an agent, a Palm Bay house in good shape may sell for more than a cash buyer will pay, especially if you have months to spare. Those months cost money, though: the commission, the repairs a buyer's inspection asks for, and the mortgage, insurance, taxes and lawn care until closing. The Brevard County listing figures show how long homes have been taking to sell.

Start from the Palm Bay cost example to see what a listing might leave you, then compare that figure with our written offer. Go with whichever leaves you better off.

On a $370,000 sale

Example, not a quote.

Listing with an agent

Sale price: $370,000
Agent commission (5.5% here; it varies): −$20,350
Repairs before listing (example): −$12,000
Documentary stamp tax on the deed: −$2,590
Owner's title policy (state rate): −$1,925
Settlement and other closing fees (example): −$1,400
Three months of carrying costs (example): −$6,660
You'd walk away with: $325,075

Comparing a cash offer

In this example, listing would leave you about $325,075 before your mortgage payoff. Compare that with your cash offer, less any closing costs you'd still pay.

With our cash offer there's no agent's commission, and we pay standard closing costs.

Your numbers depend on your house, your loan and your county. Want your real numbers? Enter your address above or call (984) 489-8269.

See every cost of selling in Florida →

Brevard County Listing Trends for Palm Bay Sellers, September 2026

Listing figures for Brevard County, FL.

Median asking price: $369,775; down 2% from a year earlier
Median days on market: 68 days; down 9% from a year earlier
Homes for sale: 3,554; down 15% from a year earlier

Homes listed in Brevard County, FL sat a median 68 days on the market in September 2026, down from 75 a year earlier. The median asking price in Brevard County, FL was $369,775 in September 2026, down 2% from a year earlier.

Palm Bay ZIP Codes Selling Fastest

Lowest median days on market among ZIP codes with 20 or more homes listed, September 2026.

32905 — 66 days
32907 — 67 days
32909 — 72 days
32908 — 74 days

Source: Realtor.com Economic Research, September 2026. Asking prices of homes listed for sale, not sale prices.

Selling a Palm Bay House on a Septic Tank

Palm Bay grew fast. It was incorporated as a city in 1960 with 2,808 residents, became Brevard County's most populous city in 1990 with 62,632, and passed 100,000 residents in 2006 ¹. If your house from those decades still has its own septic system instead of City sewer, that system is regulated by the state, and the City sends owners' septic questions to the Florida Department of Health in Brevard County ².

The City has run septic-to-sewer programs for homes that have access to its sewer lines, including one paid for with American Rescue Plan Act funds that gave priority to households in low-income census tracts ³. A house still on septic can be sold as it is. Tell us when the tank was last pumped or repaired, and whether a City sewer line runs along your street.

Curious About a Cash Price for Your Palm Bay Home?

Enter your address to get started. One short call about your home’s condition, and your cash offer comes in writing.

Rather talk to a person? Call (984) 489-8269

See what a cash buyer would pay for your house →

Palm Bay Home Sales in Tough Circumstances

If one of these sounds like your situation, here's what Florida law says about it, in plain terms. For advice on your situation, talk to a Florida attorney.

Facing foreclosureA lender has to go to court first. How the sale works, and how long you can still stop it.

Brevard County foreclosures go to the Eighteenth Judicial Circuit, which covers Brevard and Seminole counties ⁶. The Brevard County Clerk holds foreclosure sales on Wednesdays from 11:00 a.m.; check the Clerk's foreclosure page for where and how the sale you're facing will be held. The Clerk issues the certificate of sale within one day of the sale, and if no objection is filed within 10 days, it can issue the certificate of title ⁷. You can generally stop the sale by paying the full amount the judgment requires, any time until the clerk files the certificate of sale or a later time set in the judgment ⁸. Selling before the sale date can still be an option, but Florida's equity-purchaser law strictly regulates buying a home that's already in foreclosure ⁹. A real estate attorney should review any contract first.

Inherited a houseWho handles the estate, and the shorter court process smaller estates may use.

Palm Bay estates are handled in the Eighteenth Judicial Circuit ⁶. According to the Brevard County Clerk, a house titled solely in the deceased owner's name has to pass through probate before it can be transferred to the heirs or beneficiaries, and a formal administration requires an attorney ¹⁰. Tell us where the estate stands, and we'll plan the closing around it.

Behind on paymentsA servicer generally can't start foreclosure until you're more than 120 days behind.

Federal rules generally bar a mortgage servicer from starting foreclosure until you're more than 120 days behind ¹¹. That time can be used to call your servicer about options, or to sell before a case is ever filed.

Going through a divorceHow a court splits the house, and why selling can make it simpler.

In a Florida divorce, the court starts from the premise that marital property should be split equally, unless there's a reason for an unequal split ¹². Selling the house turns it into money that's simpler to divide. Your divorce attorneys can tell you what your order requires before either of you signs a contract.

Selling a rental with tenantsYour tenants don't have to move out first, and their deposits pass to the new owner.

The tenant doesn't have to move out before we make an offer. When a Florida rental is sold, the tenants' security deposits and advance rent go to the new owner, with an accounting for each tenant ¹³. If a tenant is month to month, either side can end the tenancy with written notice at least 30 days before the end of a monthly rent period ¹⁴. Tell us about the lease and the rent on the call.

Moving away or downsizingLine the sale up with your move, and you may keep part of your homestead tax savings.

The sale can line up with your move. If you had a Florida homestead exemption in any of the past three years and set up a new Florida homestead, you can apply to carry part of your old assessment savings to the new home, up to $500,000 ¹⁵.

Palm Bay Neighborhoods, Northeast to Southwest

We buy houses throughout Palm Bay and the rest of Brevard County, from the older streets near the Indian River to the newer sections in the southwest. If your area isn't listed, call anyway.

Northeast and the River

Port Malabar (north)
Turkey Creek area
Palm Bay Road area
U.S. 1 corridor

Central and Southeast

Malabar Road area
Bayside Lakes
Emerson Drive area
Jupiter Boulevard area

The Southwest

Southwest Palm Bay
St. Johns Heritage Parkway area
Babcock Street (south)

Palm Bay ZIP Codes

32905
32907
32908
32909

Palm Bay Owners Ask

Is a cash offer on a Palm Bay house lower than a listing would bring?

For a Palm Bay house in good shape, probably so. The better test is the money in your pocket at the end: subtract the commission, the repairs and the months of holding costs from a listing, and set that against our written number.

What goes into your cash offer for a Palm Bay house?

What you tell us on the call: the house's age, the roof, the air conditioning, how the plumbing is holding up, any storm damage and who lives there now. Share the problems too, since the offer rests on your answers. Then ask about anything in the written offer you'd like explained.

Could you close on my Palm Bay house in two weeks?

Yes, 14 days after you accept our written offer is possible when the paperwork is in order. Your lender has seven business days from a written request to send the payoff statement ¹⁶, and the closing agent has to clear the title. An estate or a tenant can add time, and you can choose a later date.

My Palm Bay house came off the flood map in 2014. Do I still disclose past flooding?

Yes, if it happened. The March 17, 2014 flood map took about 2,000 Palm Bay structures and more than 5,000 lots out of the Special Flood Hazard Area ⁵, but a map change doesn't change what you know. Florida's flood disclosure covers flood damage, flood insurance claims and FEMA help while you've owned the house ¹⁷, and under Johnson v. Davis a seller has to disclose known hidden problems that materially affect its value ¹⁸.

Does a homestead count when Brevard County decides whether an estate qualifies for summary administration?

According to the Brevard County Clerk, a homesteaded house is counted as $0 when the assets are totaled for summary administration, and summary administration can be filed without an attorney ¹⁰. Florida allows it for estates of $150,000 or less, or when the owner died more than two years ago ¹⁹. A probate attorney can confirm which process fits.

Does the City have an elevation certificate on file for my Palm Bay house?

It may. Palm Bay's Building Department keeps copies of its floodplain reviews along with the FEMA elevation certificates issued since 1993. The City lists certificates by address, and its floodplain administrator takes questions at floodzone@palmbayfl.gov ⁵. A house built before then might not have one, and our offer doesn't depend on it.

The City wants to inspect my storm-damaged Palm Bay house. Can I still sell it?

Yes. After a storm, the City inspects damaged buildings in mapped flood zones to decide whether the damage is substantial before it issues repair permits, then sends the owner a letter with the results ⁵. Tell us whether the inspection has happened and what the letter said.

Do you buy houses near Palm Bay?

Yes. We also buy houses in West Melbourne, Melbourne, Malabar, Grant-Valkaria and Melbourne Beach ²⁰, and in ZIP codes 32901, 32904, 32935, 32950 and 32949. If you're not sure, call us.

Ready to Hear Our Offer on Your Palm Bay House?