65 N ATLANTIC AVENUE UNIT 205, COCOA BEACH, FL, 32931
Active45 days on marketListed Jun 25, 2026MLS #O6419218
About this home
65 N ATLANTIC AVENUE UNIT 205
A fresh expression of oceanfront luxury, this brand-new 2025 residence at The Surf at Cocoa Beach pairs striking contemporary design with an unbeatable coastal setting. Spanning 2,657 sq ft of air-conditioned living space, this 3-bed, 3.5 bath condo with a versatile flex room showcases soaring 10-ft ceilings & dramatic floor-to-ceiling hurricane-rated glass that floods the interiors with natural light. An expansive balcony w/ sleek glass railings frames sweeping views while preserving an uninterrupted connection to the shoreline. Inside, a designer accent wall with a fireplace anchors the living space, complemented by European-style cabinetry, quartz surfaces throughout, a Thermador built-in refrigerator, & a showstopping kitchen centered around an oversized island built for gathering. Set w/in an exclusive 5-story building of just 25 residences, the home includes a private 2-car garage & access to a resort-inspired amenity deck featuring a pool & hot tub. Positioned on more than two acres of prime oceanfront property in the heart of Cocoa Beach, this is modern beachfront living at its finest.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,657
Sqft
0.05 ac
Lot size
2
Garage
2025
Year built
One
Levels
$828
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.
$14,145 /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
$14,145/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
$828 vs $368
Days on market
45 vs 32 typical
Where $828/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 Downtown 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 →
Downtown Cocoa Beach — neighborhood snapshot
Population
641
Median age
57
Median income
$47,346
Median home value
$267,685
Avg household
2
Households w/ children
50%
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 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 363% 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 65 N ATLANTIC AVENUE UNIT 205
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$1,045,000
132 YACHT HAVEN DRIVE
4 bd · 3 ba · 2,860 sqft · $365/sqft · 152 DOM
Sold · Apr ’26$670,000
936 SANTA CRUZ ROAD
4 bd · 3 ba · 2,406 sqft · $278/sqft · 154 DOM
Sold · Jul ’26$585,000
750 N ATLANTIC AVENUE UNIT 509
3 bd · 2 ba · 2,340 sqft · $250/sqft · 50 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 65 N ATLANTIC AVENUE UNIT 205 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 65 N ATLANTIC AVENUE UNIT 205 — 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
65 N ATLANTIC AVENUE UNIT 205 FAQs
What would the monthly payment be for 65 N ATLANTIC AVENUE UNIT 205?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $14,145/mo — principal and interest, the actual property-tax bill, the $1,160/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 65 N ATLANTIC AVENUE UNIT 205?+
The association fee works out to $1,160 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 65 N ATLANTIC AVENUE UNIT 205?+
The most recent tax bill on record (2025) was $1,615. 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 65 N ATLANTIC AVENUE UNIT 205?+
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 $2,199,000, this home is listed about 340% above the Cocoa Beach median of $499,450. The market section on this page shows how the area is trending.
Which schools are assigned to 65 N ATLANTIC AVENUE UNIT 205?+
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
Four things that matter here
01Positioned at the premium end
$2,199,000 runs 363% above the COCOA BEACH 32931 median — but at 2,657 sqft it's also nearly twice the size of the typical Cocoa Beach listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $1,160/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong 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
Listing courtesy of EXP REALTY LLC · Kevin Kendrick. MLS #O6419218.
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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