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$524,900
2 Beds ⋅ 3 Baths ⋅ 1083893 MLS
3% BUILDER CONCESSIONS!!! Brand-new custom two-story waterfront home offering a flexible multigenerational design with approximately 2,602 SF under air. The upper level features 2 bedrooms, 2 bathrooms, an open-concept great room, kitchen, dining area, and covered balcony overlooking the creek. This designer kitchen features an oversized quartz waterfall island with wood slat accents, and designer pendant lighting. White shaker cabinetry, contrasting black lower cabinets, and subway tile backsplash create a clean, upscale look with adjacent wet bar. Did I mention the hidden pantry & Laundry room? The first level provides approximately 897 SF of conditioned space with two additional rooms ideal for bedrooms, home office, study, gym, hobby room, guest quarters, or multigenerational living. Built with impact-rated windows, impact sliding doors, energy-efficient construction, designer tile, and a custom wood staircase. The oversized 765 SF garage offers exceptional storage and workspace. Cedar ceilings on both balcony and back porch accent the outdoor area beautifully. The backyard borders a creek with direct access to Turkey Creek and the Indian River, creating a rare combination of privacy, flexibility, and waterfront lifestyle. Come see for yourself!"

1121 River Drive NE, Palm Bay
$469,900
4 Beds ⋅ 3 Baths ⋅ 1083879 MLS
BRAND NEW CONSTRUCTION CUSTOM 4 CAR GARAGE HOME ON OVERSIZED LOT! BUILDER WARRANTIES INCLUDED. HIGH END custom finishes set for this newly built home apart from the rest. Features include; Open Concept, Vaulted and High Ceilings, Large Designer Kitchen with Extended Wet Bar (Sink/Bev.Cooler) and Island, Split Bedroom Floor Plan, Quartz in Kitchen and all Bathrooms, Upgraded 9' * 47' hardwood plank porcelain tile in all main living areas, Hurricane Shutters, Truss covered porch, City Water and so much more. Expect to be IMPRESSED with 42'' upper wooden cabinets with crown molding / coastal design, STAINLESS APPLIANCES, Master features tray ceiling, Large Walk in Closets, double sink master vanity with granite, custom tiled walk in shower. Room for a Pool in the back and room for a Boat / RV on side of the home too! This home is gorgeous! Great Neighborhood Location! Seller Closing cost incentives when using preferred lender.

2695 Carson Drive SE, Palm Bay
$371,490
3 Beds ⋅ 3 Baths ⋅ 1083848 MLS
Discover Sunrise Estates, Space Coast's newest community featuring single-family residences and spacious townhomes. Located in West Melbourne off 192 and St. Johns Heritage Parkway approximately 1 mile from I-95 offering easy access to Orlando and Brevard County. Enjoy the privacy of a gated community with a resort-style pool and cabana. Positioned in an ideal location with NO CDD fees and minutes to local shopping and dining. You'll love coming home - Now Selling with 2 Models Open Daily!

5015 Sunrise Estates Drive, West Melbourne
$316,990
3 Beds ⋅ 2 Baths ⋅ 1083834 MLS
Welcome to our Prescott floor plan. The thoughtfully designed single-story home offers effortless flow and modern finishes. This open-concept layout connects the kitchen, dining, and living areas, creating a bright and inviting central space for daily living and entertaining. The kitchen features white shaker cabinets, quartz countertops, and stainless steel appliances. The private owner's suite includes a walk-in closet and an ensuite bath with dual vanities. Two additional bedrooms provide flexible space for whatever fits your needs. The covered patio provides relaxing outdoor space and easy access to the back yard. With its functional layout and timeless style, the Prescott delivers comfort and convenience, all on one level. Pricing shown reflects available seller incentives when financing is obtained through the seller's preferred lender. Terms and conditions apply.

1305 Transcoro Street SE, Palm Bay
$299,990
3 Beds ⋅ 2 Baths ⋅ 1083828 MLS
Discover your dream home in the Palm Bay Classic Community! The Alton Plan features an airy open layout with a seamless transition between the Living Room, a well-equipped Kitchen, and a separate Dining Area, ideal for entertaining. The kitchen stands out with its beautiful cabinetry, Quartz countertops, and premium stainless steel appliances, including a range with a microwave hood and dishwasher. The serene primary suite includes a private bath with dual vanity sinks and a generous walk-in closet. Additional highlights include a convenient two-car garage, energy-efficient Low-E insulated dual-pane vinyl windows, and a one-year limited home warranty. Pricing shown reflects available seller incentives when financing is obtained through the seller's preferred lender. Terms and conditions apply.

1296 Gerry Road SW, Palm Bay
$338,990
3 Beds ⋅ 2 Baths ⋅ 1083827 MLS
Discover Your Dream Home in the Palm Bay Classic Community! This single-story residence showcases the sought-after Ocoee Plan, featuring an open layout that seamlessly connects the Living, Dining, and Kitchen areas. The chef's kitchen delights with elegant cabinetry, top-tier stainless steel appliances, and stylish granite countertops. Retreat to the serene primary suite with a private bath and spacious walk-in closet. Two additional bedrooms and a well-appointed secondary bathroom offer ample space. Embrace the perfect blend of comfort and modern living. Pricing shown reflects available seller incentives when financing is obtained through the seller's preferred lender. Terms and conditions apply.

440 Larino Road SW, Palm Bay
$307,900
3 Beds ⋅ 2 Baths ⋅ 1083813 MLS
DON'T BE A FOOL BY LETTING THIS OPPORTUNIY PASS BY! This custom home sitting in an OVERSIZED CORNER LOT, is the BEST choice PLUS we are offering $6,500 FLEX CASH & MORE! Experience sophistication, style & smart living in this stunning new home! Built with high-end finishes and designed with a contemporary modern flair, this beauty offers luxurious living at an attainable price. The open-concept floor plan is adorned with large format porcelain tile 24x24 flooring throughout the entire house, custom made wood cabinetry, striking white marble backsplash & marble like quartz countertops. Relax in your spacious living room complete with an electric fireplace on a textured wallpaper accent wall,58'' QLED HISENSE TV & enjoy spa-like bathrooms featuring large-format porcelain tile on shower & tub walls. Samsung stainless steel appliances, a smart thermostat ,electrical tankless water heater, water softener system & Ring smart doorbell & finished with 2'' zebra blinds throughout. CALL NOW!

1365 Sandusky Street SE, Palm Bay
$419,990
3 Beds ⋅ 2 Baths ⋅ 1083809 MLS
NEW CONSTRUCTION! SPECIAL INCENTIVES: 4.99% Fixed interest rate on FHA/VA 30-yr fixed loan with ALL closing costs/prepaids paid by builder - OR - get up to $16k toward closing costs, rate buydowns, & prepaids when using preferred lender and title. The Grand Cayman offers 1,974 sq. ft. of style & comfort. The open-concept layout features a gourmet kitchen with island, dining area, & Great Room with tray ceiling. Triple sliding doors open to a covered lanai for seamless indoor-outdoor living. The private primary suite includes a tray ceiling, dual walk-in closets, & bath with dual sinks, & walk-in shower. A hallway leads to two guest bedrooms and a full bath. A den off the foyer is perfect for an office or study. Features: 8' doors, Quartz counters, soft-close cabinetry, stainless appliances, plank tile, hurricane-impact windows/doors, 2-car garage with laundry access, & covered entry. Pictures, renderings, & virtual tour are of similar home & are used for display purposes only.

311 Brookedge Street NE, Palm Bay
$369,990
4 Beds ⋅ 2 Baths ⋅ 1083808 MLS
NEW CONSTRUCTION WITH WARRANTY! Estimated delivery September. The St. Augustine blends indoor and outdoor living with a welcoming covered front porch, expansive covered lanai, and a bright, open floor plan. A vaulted ceiling enhances the main living area, connecting the dining room with double windows, kitchen with freestanding island and pantry, and a spacious Great Room with a wall of sliding glass doors for abundant natural light. The split-bedroom layout offers a private primary suite with two walk-in closets and a bath featuring a dual-sink vanity, large linen closet, and tiled shower. Three additional bedrooms provide flexibility for guests, a home office, or hobby space. This home includes quartz countertops in the kitchen and baths, stainless steel appliances, plank tile flooring in main areas, hurricane-impact windows and doors, and more. Pictures, renderings, & virtual tour are of similar home & are used for display purposes only.

838 Eldron Boulevard SE, Palm Bay
$328,990
3 Beds ⋅ 2 Baths ⋅ 1083779 MLS
Discover your dream home in the Palm Bay Classic Community! The Callahan Plan features an airy open layout with seamless transition between the Living Room, a well-equipped Kitchen, and a separate Dining Area, ideal for entertaining. The kitchen stands out with its beautiful cabinetry, Quartz countertops, and premium stainless steel appliances, including a range with a microwave hood and dishwasher. The serene primary suite includes a private bath with dual vanity sinks and a generous walk-in closet. Additional highlights include a convenient two-car garage, energy-efficient Low-E insulated dual-pane vinyl windows, and a one-year limited home warranty. Pricing shown reflects available seller incentives when financing is obtained through the seller's preferred lender. Terms and conditions apply.

796 Doverbrook Road NW, Palm Bay
$368,990
4 Beds ⋅ 2 Baths ⋅ 1083766 MLS
NEW CONSTRUCTION - estimated delivery September. The St. Augustine blends indoor and outdoor living with a welcoming covered front porch, expansive covered lanai, and a bright, open floor plan. A vaulted ceiling enhances the main living area, connecting the dining room with double windows, kitchen with freestanding island and pantry, and a spacious Great Room with a wall of sliding glass doors for abundant natural light. The split-bedroom layout offers a private primary suite with two walk-in closets and a bath featuring a dual-sink vanity, large linen closet, and tiled shower. Three additional bedrooms provide flexibility for guests, a home office, or hobby space. This home includes quartz countertops in the kitchen and baths, stainless steel appliances, plank tile flooring in main areas, hurricane-impact windows and doors, and more. Pictures, renderings, & virtual tour are of similar home & are used for display purposes only.

725 Andrew Street SE, Palm Bay
$368,990
4 Beds ⋅ 2 Baths ⋅ 1083758 MLS
NEW CONSTRUCTION WITH WARRANTY! Estimated delivery September. The St. Augustine blends indoor and outdoor living with a welcoming covered front porch, expansive covered lanai, and a bright, open floor plan. A vaulted ceiling enhances the main living area, connecting the dining room with double windows, kitchen with freestanding island and pantry, and a spacious Great Room with a wall of sliding glass doors for abundant natural light. The split-bedroom layout offers a private primary suite with two walk-in closets and a bath featuring a dual-sink vanity, large linen closet, and tiled shower. Three additional bedrooms provide flexibility for guests, a home office, or hobby space. This home includes quartz countertops in the kitchen and baths, stainless steel appliances, plank tile flooring in main areas, hurricane-impact windows and doors, and more. Pictures, renderings, & virtual tour are of similar home & are used for display purposes only.

1643 Saipan Street SE, Palm Bay
$449,990
4 Beds ⋅ 3 Baths ⋅ 1083750 MLS
NEW CONSTRUCTION WITH WARRANTY! The Bimini delivers 2,352 sq ft of living space that features an expansive open living area ideal for gathering and entertaining. The kitchen offers a built-in pantry and a freestanding island overlooking the dining area and Great Room with triple sliding glass doors to the lanai. This split floor plan boasts a primary suite with two walk-in closets & a spacious bathroom, complete with dual-sink vanity, private water closet, linen closet, a large double-entry tiled shower, and separate soaking tub. Three guest bedrooms share access to two hall bathrooms on the other side of the home. The home boasts glass-light double front doors, tray ceilings in the Great Room & primary suite, 8ft doors throughout the home, Quartz counters in the kitchen & bathrooms, designer cabinetry with 42''H wall cabinets in the kitchen, stainless steel appliances, hurricane-impact windows and doors, and more! Pictures are of similar home & are used for display purposes only.

413 Lamkin Street SW, Palm Bay
$313,790
3 Beds ⋅ 3 Baths ⋅ 1083742 MLS
Discover Sunrise Estates, Space Coast's newest community featuring single-family residences and spacious townhomes. Located in West Melbourne off 192 and St. Johns Heritage Parkway approximately 1 mile from I-95 offering easy access to Orlando and Brevard County. Enjoy the privacy of a gated community with a resort-style pool and cabana. Positioned in an ideal location with NO CDD fees and minutes to local shopping and dining. You'll love coming home - Now Selling with 2 Models Open Daily!

5112 Morning Dew Lane, West Melbourne
$339,990
4 Beds ⋅ 2 Baths ⋅ 1083739 MLS
NEW CONSTRUCTION- estimated delivery September. The Gasparilla offers 1,810 square feet of thoughtfully designed living space. This open-concept home features 4 bedrooms, 2 baths, and a spacious Great Room under a vaulted ceiling that seamlessly connects to the kitchen, dining area, & covered lanai -- ideal for entertaining or relaxing. The modern kitchen is beautifully appointed with quartz countertops, a complete stainless steel appliance package, & a large island that provides additional seating and prep space. Plank tile flooring flows throughout the main living areas, adding both warmth & durability. The Primary Suite offers a walk-in closet and a luxurious bath with double sink quartz vanity & a walk-in shower. Three additional bedrooms provide flexibility for family, guests, or a home office. A dedicated laundry room & a spacious 2-car garage complete this exceptional home. Pictures, renderings, & virtual tour are for display purposes only.

526 Lagrange Street SW, Palm Bay
$322,790
3 Beds ⋅ 3 Baths ⋅ 1083737 MLS
Discover Sunrise Estates, Space Coast's newest community featuring single-family residences and spacious townhomes. Located in West Melbourne off 192 and St. Johns Heritage Parkway approximately 1 mile from I-95 offering easy access to Orlando and Brevard County. Enjoy the privacy of a gated community with a resort-style pool and cabana. Positioned in an ideal location with NO CDD fees and minutes to local shopping and dining. You'll love coming home - Now Selling with 2 Models Open Daily!

4985 Sunrise Estates Drive, West Melbourne
$322,790
3 Beds ⋅ 3 Baths ⋅ 1083732 MLS
Discover Sunrise Estates, Space Coast's newest community featuring single-family residences and spacious townhomes. Located in West Melbourne off 192 and St. Johns Heritage Parkway approximately 1 mile from I-95 offering easy access to Orlando and Brevard County. Enjoy the privacy of a gated community with a resort-style pool and cabana. Positioned in an ideal location with NO CDD fees and minutes to local shopping and dining. You'll love coming home - Now Selling with 2 Models Open Daily!

4975 Sunrise Estates Drive, West Melbourne
$368,990
4 Beds ⋅ 2 Baths ⋅ 1083726 MLS
NEW CONSTRUCTION -estimated delivery August. The St. Augustine blends indoor and outdoor living with a welcoming covered front porch, expansive covered lanai, and a bright, open floor plan. A vaulted ceiling enhances the main living area, connecting the dining room with double windows, kitchen with freestanding island and pantry, and a spacious Great Room with a wall of sliding glass doors for abundant natural light. The split-bedroom layout offers a private primary suite with two walk-in closets and a bath featuring a dual-sink vanity, large linen closet, and tiled shower. Three additional bedrooms provide flexibility for guests, a home office, or hobby space. This home includes quartz countertops in the kitchen and baths, stainless steel appliances, plank tile flooring in main areas, hurricane-impact windows and doors, and more. Pictures, renderings, & virtual tour are of similar home & are used for display purposes only.

1610 Burgandy Street SE, Palm Bay
$324,990
3 Beds ⋅ 2 Baths ⋅ 1083724 MLS
NEW CONSTRUCTION - est delivery August. The Cayo Costa combines open-concept living with a split-bedroom layout, offering 3 bedrooms plus a den & 2 bathrooms. Designed for entertaining, the main living area showcases a vaulted ceiling that connects the kitchen, dining area, & Great Room. A large freestanding island provides the ideal centerpiece for both meals & social gatherings, while sliding glass doors extend the living space to a covered lanai for indoor-outdoor living. The private Primary Suite features 2 spacious walk-in closets and an en-suite bathroom. On the other side of the home, 2 comfortable guest bedrooms share a full bath. A den with French doors offers the perfect space for a home office. Quartz countertops, designer cabinetry, tainless steel kitchen appliance package, upgraded plank tile flooring in main living areas, hurricane-impact windows and doors & more! Pictures, renderings, & virtual tour are of similar home & are used for display purposes only.

646 Tarr Avenue SW, Palm Bay
$530,000
4 Beds ⋅ 3 Baths ⋅ 1083697 MLS
BRAND NEW, NEVER LIVED IN & LAKEFRONT! This Lennar Riviera floor plan in The Timbers active adult community offers 2,640 SF under air, IMPACT WINDOWS throughout and one of its most desirable features--a completely separate mother-in-law/guest suite with its own KITCHEN, LIVING AREA, BEDROOM & FULL BATH! Perfect for multi-generational living, extended guests or anyone wanting a private second living space. The home is positioned on a beautiful LAKEFRONT LOT with desirable SOUTHERN BACKYARD EXPOSURE, creating a wonderful setting for enjoying the Florida lifestyle year-round. The main part of the home offers 3 bedrooms, 2 baths and a flex room. The covered porch can be screened or enlarged. The Riviera's thoughtfully designed floor plan provides plenty of room for everyday living and entertaining while offering flexibility that can be difficult to find in an active adult community. The separate suite gives family or guests privacy while still keeping everyone conveniently under one roof Impact-resistant windows provide additional storm protection and peace of mind, and because this home has never been lived in, everything is fresh, new and ready for its first owner. Enjoy peaceful lake views from your backyard and the lifestyle of The Timbers, one of Palm Bay's newer active adult communities. Whether you're relocating to Florida, downsizing without sacrificing space, or looking for a home that can comfortably accommodate family and guests, this lakefront Riviera deserves to be at the top of your list!

1443 Blessed Isles Drive NW, Palm Bay
$1,700,000
4 Beds ⋅ 4 Baths ⋅ 1083500 MLS
This listing is also marketed as vacant land under MLS #1082092

292 Sand Dollar Road, Indialantic
$390,000
3 Beds ⋅ 3 Baths ⋅ 1083598 MLS
This home is scheduled for completion at the end of August. The photos shown are of the same floor plan; however, finishes, colors, and design selections may vary from the completed home Welcome to Catamaran Cove, a BRAND NEW gated community in Rockledge, FL, located right next to Viera but at a completely different price point. You'll still enjoy being close to all the shopping, dining, and everyday conveniences Viera has to offer, giving you the location everyone loves, without the Viera price tag. This beautifully designed BRAND NEW 3-bedroom, 2.5-bath townhome with a 1-car garage offers 1,654 square feet of living space and features an open floor plan perfect for both everyday living and entertaining. The kitchen and bathrooms are finished with quartz countertops and 42'' cabinetry, and the main living areas feature luxury vinyl plank flooring throughout the first floor. Upstairs you'll find three spacious bedrooms, including a comfortable primary suite, an upstairs laundry room Step outside to enjoy the screened-in back porch, perfect for relaxing while taking in the peaceful lake views. Residents enjoy low-maintenance living with an HOA of just $200 per month. The community is gated and will feature a resort-style pool (estimated completion August/September ) and a dog park for residents. The HOA also maintains the lawn and covers exterior maintenance and insurance. This home is zoned for Manatee Elementary and Viera High School and offers easy access to I-95, making commuting throughout Brevard simple while still being close to Viera's shopping, dining, and entertainment. PLUS -- Take advantage of $75,000 in builder incentives! This can be used toward closing costs, an interest rate buy-down, or select appliances including a washer, dryer, and refrigerator when using the builder's preferred lender!

1429 Bluewater Lane, Rockledge
$349,000
4 Beds ⋅ 2 Baths ⋅ 1083501 MLS
Introducing the stunning Cali model home at Cypress Bay West, Palm Bay, Florida--where luxury meets convenience and comfort in every square foot! This 4-bedroom, 2-bathroom home spans 1,828 square feet, blending elegance with modern functionality. Quartz countertops and luxury vinyl plank floors in the main living and wet areas create a high-end, timeless feel. Step into the bright foyer that flows into the open-concept living, dining, and kitchen areas--perfect for entertaining. Large windows fill the space with natural light and offer beautiful views. The kitchen features quartz counters, stainless-steel appliances, a walk-in pantry, a large island with breakfast bar, and a sleek undermount kitchen sink. The spacious primary suite includes a private ensuite with dual sinks, a separate shower, and a walk-in closet. Three additional bedrooms share a well-appointed bathroom, plus a dedicated laundry space near all bedrooms.

1303 Garabaldi Circle SE, Palm Bay
$334,990
3 Beds ⋅ 2 Baths ⋅ 1083498 MLS
The ARIA model in Cypress Bay West is one of our best sellers! Enjoy an open concept 3 bedrooms, 2 baths split floorplan with nearly 1700 sq. ft. Home features white quartz counters, SS appliances, white shaker cabinets, window blinds and luxury vinal plank flooring throughout the main living. Covered lanai for entertaining, Smart home features and more. Estimated completion - April 2026

1713 Garabaldi Circle SE, Palm Bay
$356,650
3 Beds ⋅ 2 Baths ⋅ 1083452 MLS
Currently under construction! Welcome to the popular Adams Homes 2010 floor plan. This thoughtfully designed 3-bedroom, 2-bath home also features a flex space, perfect for a home office or playroom. The open-concept layout includes vaulted ceilings, a formal dining area, and a spacious great room ideal for everyday living and entertaining. The kitchen features soft-close cabinetry with crown molding, stainless steel appliances, ample cabinet storage, generous counter space, and overlooks the main living areas. The private owner's suite offers two walk-in closets, dual vanities, and a large walk-in shower. Premium black fixtures and finishes add a modern touch throughout. Enjoy NO HOA and NO CDD. Reserve your new home with just a $1,000 deposit.

973 Le Baron Street SW, Palm Bay
$2,558,000
4 Beds ⋅ 4 Baths ⋅ 1083356 MLS
MOVE-IN READY! NEW CONSTRUCTION - COMPLETE OCT 26'. Skip the 2-year build process and enjoy a professionally designed luxury custom home complete with a private pool. Set on a rare .46-acre homesite with water views from both the front and rear, this exceptional residence offers luxury, privacy, and open views in the highly sought after Adelaide community in Viera.

3817 Upper Floridian Way, Rockledge
$274,390
3 Beds ⋅ 3 Baths ⋅ 1083354 MLS
Welcome to Harbor Square! This charming neighborhood showcases spacious new construction townhomes nestled in the heart of Palm Bay in Melbourne, FL. With upscale finishes, integrated smart home technology, and on-site amenities. Plus, they're conveniently located within easy access from I-95 and minutes to the beautiful Atlantic Beaches.

4409 Jetty Lane Ne, Palm Bay
$379,900
3 Beds ⋅ 2 Baths ⋅ 1083353 MLS
Welcome to your beautiful new 3 bedroom + flex room (possible 4th bedroom), 2 bath home with $15K flex cash from the builder (with approved lender). Ava Maria model. This 1800 square foot split floor plan home offers 8 ft doors, 9'4'' foot ceilings, tray ceilings in the living area and primary bedroom, hurricane impact windows, floor to ceiling tile in the shower and premium granite countertops in both kitchen and bathrooms. The home has porcelain tile flooring with carpet in the bedrooms, solid wood cabinets with soft close features & stainless steel appliances. Pictures are of a completed home with the same floor plan, not of the actual home itself. Estimated completion date of this home is December 1, 2026.

645 Parrotfish Street SW, Palm Bay
$270,000
3 Beds ⋅ 3 Baths ⋅ 1083352 MLS
Welcome to Harbor Square! This charming neighborhood showcases spacious new construction townhomes nestled in the heart of Palm Bay in Melbourne, FL. With upscale finishes, integrated smart home technology, and on-site amenities. Plus, they're conveniently located within easy access from I-95 and minutes to the beautiful Atlantic Beaches.

4425 Jetty Lane Ne, Palm Bay
$399,900
4 Beds ⋅ 3 Baths ⋅ 1083349 MLS
Enjoy elevated coastal living in this brand-new custom-built residence featuring 4 Bedroom and 3 Full Bathroom and 2 car garage. This home designed with both luxury and functionality in mind, this exceptional home showcases premium finishes and thoughtful craftsmanship throughout, all backed by valuable builder warranties for peace of mind. Step inside to an open-concept floor plan enhanced by soaring vaulted ceilings, designer details, and an abundance of natural light. The gourmet kitchen is the heart of the home, boasting stunning Calacatta quartz countertops, an oversized island, 42-inch wood cabinetry with crown molding, stainless steel appliances, and an extended wet bar complete with a sink and beverage cooler -- perfect for entertaining in style. The desirable split-bedroom layout offers privacy and comfort, while the luxurious owner's suite features a tray ceiling, expansive walk-in closets and dual quartz vanities. .24 acre with City Water- Canal front homesite.

1744 Delaware Street NW, Palm Bay