David Ramirez
$4,490,0004 bd4 ba3,768 sqft$1,192 /sqft$28,082 /mo all-in ↓

6105 S HIGHWAY A1A, MELBOURNE BEACH, FL, 32951

Active26 days on marketListed Jul 7, 2026MLS #O6423101

WaterfrontPrivate poolSingle Family ResidenceNONE

About this home

6105 S HIGHWAY A1A

Oceanfront luxury meets modern peace of mind. Set along one of Melbourne Beach's most desirable stretches of coastline, this beautifully renovated retreat blends breathtaking Atlantic views with turnkey living. A private elevator services all levels, while a climate-controlled cedar wine room adds a distinctive touch. The stunning chef's kitchen is complemented by updated flooring, fresh paint, designer fixtures, renovated baths, and a reimagined laundry room. Ideal for multi-generational living, the first floor features a private bedroom, family room, kitchenette, full bath, ocean views, and direct pool access. Major updates include a new roof, impact windows and sliders, Trex decking, and 75-gallon water heater (all 2024), plus HVAC condenser units replaced in 2021, 2023, and 2023. Expansive indoor and outdoor living spaces capture endless sunrises, ocean breezes, and the coastal lifestyle Melbourne Beach is known for. Move in, unpack, and start making memories.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

3,768

Sqft

0.56 ac

Lot size

2

Garage

1989

Year built

Three Or More

Levels

$1,192

Per sqft

Private poolWaterfrontFireplaceWater viewNegotiable

Inside

FlooringLuxury Vinyl · Tile · Hardwood
AppliancesCooktop · Dishwasher · Dryer · Electric Water Heater · Ice Maker · Range · Refrigerator · Washer · Wine Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Elevator · Open Floorplan · Other · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric · Heat Pump
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
ViewWater
FacesWest
ParkingCurb Parking
ExteriorBalcony · Outdoor Shower

Community & fees

Taxes (2025)$24,129/yr

Utilities & systems

UtilitiesCable Available · Electricity Connected · Private · Water Connected
WaterPrivate · See Remarks

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$28,082 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$24,228
PMI (est., until 20% equity)$1,684
Property tax — 2025 actual bill$2,011
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $449,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $449,000
Interest rate6.00%
Loan term

Estimated payment

$28,082/mo

Principal & interest$24,228
PMI (est., until 20% equity)$1,684
Property taxes (actual bill)$2,011
Est. insurance$160

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 NONE

$1,192 vs $339

Days on market

26 vs 13 typical

Where $1,192/sqft sits among the 271 homes for sale in NONE

149
60
21
14
9 · this home
18
$138–360$360–583$583–806$806–1028$1028–1251$1251+

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 Beaches

Map of 6105 S HIGHWAY A1A inside its neighborhood boundary

Get to know Melbourne Beach. See the full Melbourne Beach guide →

South Beaches — neighborhood snapshot

Population

4,535

Median age

60

Median income

$117,740

Median home value

$572,500

Avg household

2

Households w/ children

188

For the school run

Brevard County School District

ElementaryGemini Elementary School★★★★★
MiddleHerbert C. Hoover Middle School★★★★
HighMelbourne Senior High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Melbourne Beach market

Seller’s marketSeller’s market2.6 months of inventoryBuyer’s market

$941K$4.6M

Melbourne Beach median sold, yr/yr

92.7%

Sale-to-list ratio (12 mo)

103 of 271

NONE have cut their price

Median sold price, Melbourne Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 95% above the MELBOURNE BEACH 32951 median. See the full Melbourne Beach market guide →

Paper trail

This home's history

Jul 7, 2026Listed at $4,490,000 · 26 days on market since
1989Built · NONE

Reality check

What actually sold near 6105 S HIGHWAY A1A

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

15650 W HIGHWAY 318Sold · Dec ’25

$3,200,000

15650 W HIGHWAY 318 · same community

5 bd · 5.5 ba · 4,600 sqft · $696/sqft · 158 DOM

7320 MARLO ROADSold · Jul ’26

$311,760

7320 MARLO ROAD · same community

3 bd · 3 ba · 2,584 sqft · $121/sqft · 78 DOM

301 CLARK STREETSold · Jan ’26

$410,000

301 CLARK STREET · same community

4 bd · 4 ba · 2,582 sqft · $159/sqft · 204 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 6105 S HIGHWAY A1A — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 6105 S 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.

Goes straight to David’s phone and CRM.

Straight answers

6105 S HIGHWAY A1A FAQs

What would the monthly payment be for 6105 S HIGHWAY A1A?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $28,082/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 6105 S HIGHWAY A1A?+

The most recent tax bill on record (2025) was $24,129. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Melbourne Beach?+

At $4,490,000, this home is listed about 239% above the Melbourne Beach median of $1,325,000. The market section on this page shows how the area is trending.

Which schools are assigned to 6105 S HIGHWAY A1A?+

Gemini Elementary School (elementary), Herbert C. Hoover Middle School (middle), Melbourne 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

$4,490,000 runs 95% above the MELBOURNE BEACH 32951 median — but at 3,768 sqft it's also 70% larger than the typical Melbourne 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

26 days on market against a Melbourne Beach median of 13 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Gemini Elementary School, Herbert C. Hoover Middle School, Melbourne Senior High School — Gemini Elementary School rates 5 of 5. Always verify assignments with the district.

Listing courtesy of KELLER WILLIAMS RLTY,BREVARD · Kristen Romandetti. MLS #O6423101.

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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