12880 Highway A1a, Vero Beach FL 32963, VERO BEACH, FL, 32963
Active283 days on marketListed Nov 1, 2025MLS #F10534373
About this home
12880 Highway A1a, Vero Beach FL 32963
Experience the best of coastal living in this stunning ocean-to-intracoastal completely furnished/turnkey property with dock. The main residence features an open concept design with travertine flooring and impact windows and sliding doors throughout Upstairs you will find three spacious ensuite bedrooms including a luxurious primary suite with a huge closet and private balcony overlooking the ocean. A separate guest apartment above the garage offers a full kitchen, bedroom, full bathroom and a balcony overlooking the intracoastal. The 2024 dock extends deep into the intracoastal perfect for boating, fishing or just enjoying the beautiful scenery and wildlife. It is 4x360 sf with a 10x16 terminus. A rare opportunity to own a truly exceptional coastal sanctuary with amazing sunrise/sunset.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
2,324
Sqft
0.37 ac
Lot size
2
Garage
1983
Year built
2
Levels
$1,377
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 — not generic estimates.
$20,677 /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
$20,677/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 Vero Beach actives
$1,377 vs $248
Days on market
283 vs 58 typical
Where $1,377/sqft sits among the 400 Vero 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 Vero Beach
Get to know Vero Beach. See the full Vero Beach guide →
VERO BEACH 32963 — neighborhood snapshot
Population
14,980
Median age
69.1
Median income
$142,985
Median home value
$894,900
Avg household
1.91
Households w/ children
326
For the school run
Indian River County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Vero Beach market
$441K → $385K
Vero Beach median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
48 of 400
Vero Beach actives have cut their price
Median sold price, Vero Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 220% above the VERO BEACH 32963 median. See the full Vero Beach market guide →
Paper trail
This home's history
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 12880 Highway A1a — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12880 Highway A1a — 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
12880 Highway A1a FAQs
What would the monthly payment be for 12880 Highway A1a, Vero Beach FL 32963?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $20,677/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 12880 Highway A1a, Vero Beach FL 32963?+
The most recent tax bill on record (2024) was $24,604. 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 12880 Highway A1a, Vero Beach FL 32963?+
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 Vero Beach?+
At $3,200,000, this home is listed about 611% above the Vero Beach median of $450,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12880 Highway A1a, Vero Beach FL 32963?+
Beachland Elementary School (elementary), Vero Beach High School (high), Gifford Middle School (middle) — Indian River County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$3,200,000 runs 220% above the VERO BEACH 32963 median — but at 2,324 sqft it's also 26% larger than the typical Vero 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.
03Time on market is leverage
283 days on market against a Vero Beach median of 58 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Beachland Elementary School, Vero Beach High School, Gifford Middle School — Beachland 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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