118 N ATLANTIC, COCOA BEACH, FL, 32931
Active176 days on marketListed Jan 28, 2026MLS #V4946840
About this home
118 N ATLANTIC
Downtown Cocoa Beach, across the street from the new luxury condo, THE SURF and brand new upscale restaurant. High Traffic Area. This property allows for 3 stories, with a mixed use potential. You have the flexability with the set backs to build 2 homes and a storefront. City sewer and water are available. This property has rear access as well as the front which is right on Atlantic Ave. Beach is right accross the street and steps away from bars, restaurants, shopping. Historic Cocoa Beach has many events during the year, art festival, Art shows which draws thousands of visitors from all over the country. This is a great location, and a rare opportunity for retail, restaurant, or residential development. Prime downtown Cocoa Beach Location.
Facts & features
The home at a glance
0.19 ac
Lot size
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.
$4,740 /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
$4,740/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.
Where it sits
Inside Sosa
Get to know Cocoa Beach. See the full Cocoa Beach guide →
Sosa — neighborhood snapshot
Population
3,659
Median age
35
Median income
$67,721
Median home value
$192,381
Avg household
4
Households w/ children
531
For the school run
Palm Beach County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Cocoa Beach market
$348K → $450K
Cocoa Beach median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
Median sold price, Cocoa Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 47% 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 118 N ATLANTIC
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$105,000
4001 S Ocean Boulevard # 119, South Palm Beach FL 33480
0 bd · 1 ba · 375 sqft · $280/sqft · 71 DOM
Sold · Jun ’26$155,000
301 Croton Ave # 203, Lantana FL 33462
1 bd · 1 ba · 531 sqft · $292/sqft · 219 DOM
Sold · Apr ’26$195,000
4001 S Ocean Blvd # 103, South Palm Beach FL 33480
1 bd · 1 ba · 540 sqft · $361/sqft · 225 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 118 N ATLANTIC — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 118 N ATLANTIC — 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
118 N ATLANTIC FAQs
What would the monthly payment be for 118 N ATLANTIC?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,740/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 118 N ATLANTIC?+
The most recent tax bill on record (2025) was $3,023. 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 Cocoa Beach?+
At $749,999, this home is listed about 50% 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 118 N ATLANTIC?+
South Grade Elementary School (elementary), Lake Worth High School (high), Lake Worth Community Middle (middle), Glades Construction Academy At West Technical (high) — Palm Beach County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$749,999 runs 47% above the COCOA BEACH 32931 median.
02Time on market is leverage
176 days on market against a Cocoa Beach median of 38 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $899,999, now $749,999 — a $150K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BETTER HOMES & GARDENS RE STAR · Patricia Wojewoda. MLS #V4946840.
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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