1860 Cobia Drive, Vero Beach FL 32960, VERO BEACH, FL, 32960
Pending147 days on marketListed Mar 23, 2026MLS #B26005736
About this home
1860 Cobia Drive, Vero Beach FL 32960
Welcome to the perfect Florida lifestyle in this stunning canal-front single-family home! This contemporary style residence sits on a spacious .29-acre lot with direct access to the intracoastal—ideal for boating and fishing enthusiasts. Enjoy your private boat dock and take off for a day on the water anytime. Step inside and be greeted by soaring ceilings and spacious living areas designed for both relaxation and entertaining. The updated kitchen features beautiful granite countertops, ample storage, and flows seamlessly to the dining nook, snack bar, and formal dining room—perfect for family meals or gatherings. The split floor plan offers privacy, with generously sized guest bedrooms and a luxurious master suite featuring his-and-her closets, a makeup area, double vanity, garden tub, separate shower, and direct access to the pool. Unwind or host guests in the separate living and family rooms, both opening to a heated, screened-in pool and large covered porch overlooking the tranquil back yard. With lawn care, pest control and pool service included in this rental, you can enjoy a carefree lifestyle. All of this is just moments from parks, preserves, beaches, theaters, museums, and more—don't miss your chance to live the ultimate Florida dream!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,063
Sqft
0.29 ac
Lot size
2
Garage
1994
Year built
1
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$193 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$193/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
The investor lens
Two ways this home pays
This home sits inside Island Club, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,300/mo median
Live Vero Beach rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Island Club
Island Club is a short-term-rental community. See the full guide →
VERO BEACH 32960 — neighborhood snapshot
Population
24,697
Median age
42.6
Median income
$52,350
Median home value
$254,400
Avg household
2.43
Households w/ children
2,270
The numbers that matter
The Vero Beach market
$441K → $385K
Vero Beach median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
Median sold price, Vero Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 97% below the VERO BEACH 32960 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
Alek Cherrone
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1860 Cobia Drive — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1860 Cobia Drive — before you fall in love.
See it in person
Schedule a tour
Live availability from Alek's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1860 Cobia Drive FAQs
What would the monthly payment be for 1860 Cobia Drive, Vero Beach FL 32960?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $193/mo — principal and interest, estimated property taxes 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.
Can 1860 Cobia Drive, Vero Beach FL 32960 be rented short-term?+
Yes — this home sits inside Island Club, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 1860 Cobia Drive, Vero Beach FL 32960?+
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 $4,500, this home is listed about 99% below the Vero Beach median of $450,000. The market section on this page shows how the area is trending.
The brief
Five things that matter here
01Under the VERO BEACH 32960 market on paper
$4,500 is 97% below the VERO BEACH 32960 median of $157,700, and at $2/sqft it sits under the Vero Beach average of $360.
02Zoned for nightly rentals
Island Club is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
04Time on market is leverage
147 days on market against a Vero Beach median of 58 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $5,500, now $4,500 — a $1K cut. The full history is in the market section below.
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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