2465 S Atlantic Avenue # 401, Cocoa Beach FL 32931, COCOA BEACH, FL, 32931
Active104 days on marketListed May 4, 2026MLS #B26024020
About this home
2465 S Atlantic Avenue # 401, Cocoa Beach FL 32931
Rarely available, direct oceanfront, luxury 3-bed, 3.5 bath, plus den! Unobstructed sunrise and sunset views. Enjoy rocket launches from your 42 foot covered balcony. Kitchen updates include, quartz counters, soft close cabinets, new refrigerator, and bar seating for 6. Newly added beverage center has a full size ice maker, 2 beverage drawers, wine fridge, custom cabinetry, and sink. The primary has spectacular ocean views and a custom walk-in closet. Guest rooms have ensuite baths. Additional features include: powder bathroom, electric programmable shades, travertine and wood floors throughout, private elevator unit access, 2 assigned garage parking spaces, community pool, gated beach crossover, 2 new remotely programmable a/c units, accordion and electric hurricane shutters.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,744
Sqft
0 ac
Lot size
2
Garage
2005
Year built
1
Levels
$510
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$10,922 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$10,922/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Cocoa Beach actives
$510 vs $368
Days on market
104 vs 44 typical
Where $510/sqft sits among the 29 Cocoa Beach actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside South Cocoa Beach
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Cocoa Beach. See the full Cocoa Beach guide →
South Cocoa Beach — neighborhood snapshot
Population
863
Median age
60
Median income
$111,042
Median home value
$656,800
Avg household
2
Households w/ children
48%
For the school run
Brevard County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Cocoa Beach market
$498K → $430K
Cocoa Beach median sold, yr/yr
94.9%
Sale-to-list ratio (12 mo)
10 of 29
Cocoa Beach actives have cut their price
Median sold price, Cocoa Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 195% above the COCOA BEACH 32931 median. See the full Cocoa Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 2465 S Atlantic Avenue # 401
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$450,000
3360 S ATLANTIC AVENUE UNIT 304
3 bd · 2 ba · 2,292 sqft · $196/sqft · 242 DOM
Sold · Dec ’25$400,000
3360 S ATLANTIC AVENUE UNIT 108
3 bd · 2 ba · 2,050 sqft · $195/sqft · 70 DOM
Sold · May ’26$450,000
1000 S ORLANDO AVENUE
3 bd · 1 ba · 1,316 sqft · $342/sqft · 30 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2465 S Atlantic Avenue # 401 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2465 S Atlantic Avenue # 401 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
2465 S Atlantic Avenue # 401 FAQs
What would the monthly payment be for 2465 S Atlantic Avenue # 401, Cocoa Beach FL 32931?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,922/mo — principal and interest, the actual property-tax bill, the $1,792/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 2465 S Atlantic Avenue # 401, Cocoa Beach FL 32931?+
The association fee works out to $1,792 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2465 S Atlantic Avenue # 401, Cocoa Beach FL 32931?+
The most recent tax bill on record (2025) was $10,684. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2465 S Atlantic Avenue # 401, Cocoa Beach FL 32931?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Cocoa Beach?+
At $1,400,000, this home is listed about 181% above the Cocoa Beach median of $499,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2465 S Atlantic Avenue # 401, Cocoa Beach FL 32931?+
Theodore Roosevelt Elementary School (elementary), Cocoa Beach Junior/Senior High School (high) — Brevard County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$1,400,000 runs 195% above the COCOA BEACH 32931 median — but at 2,744 sqft it's also nearly twice the size of the typical Cocoa Beach listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $1,792/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
104 days on market against a Cocoa Beach median of 44 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Theodore Roosevelt Elementary School, Cocoa Beach Junior/Senior High School — Theodore Roosevelt Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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