4995 HIGHWAY A1A UNIT D, MELBOURNE BEACH, FL, 32951
Active15 days on marketListed Oct 22, 2026MLS #J1006356
About this home
4995 HIGHWAY A1A UNIT D
Experience the ultimate beach front lifestyle in this charming, tastefully remodeled, direct oceanfront condominium in desirable Melbourne Beach. Nestled along a secluded, pristine stretch of coastline, this coastal retreat offers the perfect setting for peaceful beach walks, fishing, surfing, and relaxation. Enjoy breathtaking sunrises over the Atlantic Ocean from your private rear porch and beautiful sunsets from the front. Just steps down the rear staircase, this special property offers direct beach access. Upgrades include a Whether you're searching for a primary residence, seasonal retreat, or investment opportunity, this property presents an appealing opportunity in a sought-after coastal setting.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
980
Sqft
0.37 ac
Lot size
1972
Year built
One
Levels
$526
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.
$4,855 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$4,855/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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 Melbourne Beach actives
$526 vs $529
Days on market
15 vs 48 typical
Where $526/sqft sits among the 8 Melbourne 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.
The numbers that matter
The Melbourne Beach market
$695K → $587K
Melbourne Beach median sold, yr/yr
93.5%
Sale-to-list ratio (12 mo)
3 of 8
Melbourne Beach actives have cut their price
Median sold price, Melbourne Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 31% below the Melbourne Beach median. See the full Melbourne 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 4995 HIGHWAY A1A UNIT D — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4995 HIGHWAY A1A UNIT D — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4995 HIGHWAY A1A UNIT D FAQs
What would the monthly payment be for 4995 HIGHWAY A1A UNIT D?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,855/mo — principal and interest, the actual property-tax bill, the $500/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 4995 HIGHWAY A1A UNIT D?+
The association fee works out to $500 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4995 HIGHWAY A1A UNIT D?+
The most recent tax bill on record (2025) was $5,180. 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 4995 HIGHWAY A1A UNIT D?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit, 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 Melbourne Beach?+
At $515,000, this home is listed about 31% below the Melbourne Beach median of $749,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the Melbourne Beach market on paper
$515,000 is 31% below the Melbourne Beach median of $749,000, and at $526/sqft it sits under the Melbourne Beach average of $554.
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 $500/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Listing courtesy of STELLAR NON-MEMBER OFFICE · Non-Member Agent. MLS #J1006356.
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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