420 HARDING AVENUE UNIT 301, COCOA BEACH, FL, 32931
Active127 days on marketListed Apr 3, 2026MLS #O6395465
About this home
420 HARDING AVENUE UNIT 301
Virtually Staged. ***New Price Adjustment*** Experience costal living at its finest with this stunning ocean-view condo located in the heart of Cocoa Beach. This beautifully designed residence offers 3 bedrooms and 3 bathrooms, combining comfort, elegance and true beach lifestyle. Wood flooring throughout, bringing warmth and continuity to every space. Enjoy breathtaking views of the Atlantic from your large wraparound balcony, perfect for sunrise coffee or relaxing evenings. The living and dining areas are filled with natural light, creating a seamless connection to the outdoors. The kitchen is designed with wood cabinetry, granite countertops, and stainless-steel appliances, combining durability with a clean elegant look. The generously sized rooms are designated for comfort and privacy. Two en-suite bedrooms with walk-in closets. The primary suite offers views of the ocean, two large walk-in closets, and a spacious master bathroom with two separate vanities for added convenience, a full-size bathtub, and a walk-in shower with multiple shower heads. A large laundry room adds functionality to the home. The den/study room provides additional flexibility and can easily function as a home office, media room, or playroom, adapting to different lifestyle needs. The building provides a gated entrance with ample visitors parking. The unit includes one assigned parking space inside the garage and one additional outside space. Residents enjoy a full suite of amenities: swimming pool and jacuzzi with ocean views, private beach access, a well-designed BBQ area with plenty of tables and seating, and an outdoor fireplace lounge area, a fitness center with a dry sauna and a steam room. This condo is located approximately 1 hour from Orlando International Airport and the Orlando theme parks. 3 miles from the Port Canaveral Cruise terminal, within close proximity to the Cocoa Beach Pier, a local landmark, and just minutes away from a wide variety of restaurants, shops, and everyday conveniences, making this location both practical and highly desirable.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,412
Sqft
2.02 ac
Lot size
1
Garage
2006
Year built
One
Levels
$394
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.
$7,650 /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
$7,650/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
$394 vs $368
Days on market
127 vs 36 typical
Where $394/sqft sits among the 31 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 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 →
COCOA BEACH 32931 — neighborhood snapshot
Population
13,893
Median age
58.8
Median income
$84,769
Median home value
$478,300
Avg household
1.9
Households w/ children
867
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)
9 of 31
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 100% 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 420 HARDING AVENUE UNIT 301
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$820,000
131 HARDING AVENUE UNIT 131 & 129
3 bd · 3 ba · 2,196 sqft · $373/sqft · 46 DOM
Sold · Jun ’26$600,000
7128 MARBELLA COURT UNIT 404
3 bd · 2 ba · 2,187 sqft · $274/sqft · 142 DOM
Sold · Jan ’26$500,000
425 BUCHANAN AVENUE UNIT 201
3 bd · 2 ba · 2,141 sqft · $234/sqft · 27 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 420 HARDING AVENUE UNIT 301 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 420 HARDING AVENUE UNIT 301 — 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
420 HARDING AVENUE UNIT 301 FAQs
What would the monthly payment be for 420 HARDING AVENUE UNIT 301?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,650/mo — principal and interest, the actual property-tax bill, the $1,350/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 420 HARDING AVENUE UNIT 301?+
The association fee works out to $1,350 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 420 HARDING AVENUE UNIT 301?+
The most recent tax bill on record (2025) was $7,891. 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 420 HARDING AVENUE UNIT 301?+
The listing reports pets: Number Limit, Size Limit. 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 $950,000, this home is listed about 95% above the Cocoa Beach median of $487,000. The market section on this page shows how the area is trending.
Which schools are assigned to 420 HARDING AVENUE UNIT 301?+
Cocoa Beach Junior/Senior High School (high), Cape View Elementary School (elementary) — 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
$950,000 runs 100% above the COCOA BEACH 32931 median — but at 2,412 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 $1,350/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
127 days on market against a Cocoa Beach median of 36 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Cocoa Beach Junior/Senior High School, Cape View Elementary School — Cocoa Beach Junior/Senior High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of BREMEN REALTY LLC · Jonathan Haberjan. MLS #O6395465.
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 Stellar MLS.
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