299 N ATLANTIC AVENUE UNIT 304, COCOA BEACH, FL, 32931
Active81 days on marketListed Aug 17, 2026MLS #O6426226
About this home
299 N ATLANTIC AVENUE UNIT 304
Recently renovated 3rd floor direct oceanfront residence in The Sands! Wake up to the sound of the waves and breathtaking sunrises over the Atlantic Ocean every single day, with unobstructed ocean views and no assessment for the buyer to pay, as the seller has paid the $20,000 special assessment in full. The open-concept living room is designed to maximize the view straight out to your private patio. The completely renovated kitchen and dining area create a true eat-in kitchen with a built-in desk, dry bar, and a bar area that opens to the living room and ocean beyond. Enjoy abundant storage throughout, including pull-out drawers in nearly every cabinet, a large pantry, and a dedicated laundry area with extra storage. Both bedrooms are en-suite with walk-in closets. One bath offers a step-in shower with a fold-down seat, and the other features a shower/tub combination for those who love to soak. New flooring runs throughout, and every window is new hurricane impact glass, with roll-down shutters for added storm protection. Thoughtful design leaves virtually no wasted space. A one-car shared garage with door opener and overhead storage, a first-floor community room, and an outdoor shower to rinse off before heading up from the beach complete the package. Month-at-a-time rentals are allowed, making this a flexible choice for a personal getaway or an investment. All upgrades were completed with permits. Oceanfront living like this doesn't come around often, so don't wait!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,334
Sqft
1.16 ac
Lot size
1
Garage
1978
Year built
One
Levels
$487
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.
$5,437 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$5,437/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.
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.
vs edgeAI estimate
+14.4%
$/sqft vs Cocoa Beach actives
$487 vs $366
Days on market
81 vs 75 typical
Where $487/sqft sits among the 21 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
$430K → $510K
Cocoa Beach median sold, yr/yr
94.5%
Sale-to-list ratio (12 mo)
12 of 21
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 30% 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 299 N ATLANTIC AVENUE UNIT 304
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$559,500
15 N ATLANTIC AVENUE UNIT 105 · same community
2 bd · 2 ba · 1,296 sqft · $432/sqft · 64 DOM
Sold · Jun ’26$260,000
275 S 4TH STREET UNIT 2 · same community
2 bd · 2 ba · 1,124 sqft · $231/sqft · 23 DOM
Sold · Oct ’26$510,000
299 N ATLANTIC AVENUE UNIT 602 · same community
2 bd · 2 ba · 1,118 sqft · $456/sqft · 31 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 299 N ATLANTIC AVENUE UNIT 304 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 299 N ATLANTIC AVENUE UNIT 304 — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
299 N ATLANTIC AVENUE UNIT 304 FAQs
What would the monthly payment be for 299 N ATLANTIC AVENUE UNIT 304?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $5,437/mo — principal and interest, the actual property-tax bill, the $630/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 299 N ATLANTIC AVENUE UNIT 304?+
The association fee works out to $630 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 299 N ATLANTIC AVENUE UNIT 304?+
The most recent tax bill on record (2025) was $3,760. 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 299 N ATLANTIC AVENUE UNIT 304?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 $649,900, this home is listed about 30% 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 299 N ATLANTIC AVENUE UNIT 304?+
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
Five things that matter here
01Positioned at the premium end
$649,900 runs 30% above the COCOA BEACH 32931 median.
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 $630/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.
05The price has already moved
Listed at $674,000, now $649,900 — a $24K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ADVANTAGE REALTY. MLS #O6426226.
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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