3500 S ATLANTIC AVENUE UNIT 103, COCOA BEACH, FL, 32931
Active2 days on marketListed Sep 18, 2026MLS #O6443158
About this home
3500 S ATLANTIC AVENUE UNIT 103
Rare opportunity to own a luxurious, spacious condo overlooking the Banana River in the highly exclusive Villa Verde community with only 9 units! Built in 2007, this beautifully maintained residence offers an expansive layout with soaring ceilings, multiple balconies, and an abundance of natural light. Featuring 3 full bathrooms plus a half bath, the condo provides plenty of space and privacy while offering the convenience of coastal condo living. The kitchen and all bathrooms have been beautifully renovated, creating a fresh, modern feel throughout. Additional highlights include remote-controlled blinds on all windows, indoor garage parking, dedicated storage for kayaks and water toys, secure gated access with guest parking, and a whole-building backup generator for added peace of mind. Residents also enjoy access to a community pool and fitness center. Located just a short distance from the beach, this exceptional property offers the best of both worlds with Banana River waterfront living and convenient beach access. With only nine units in the building, opportunities to purchase here are exceptionally limited. Private, spacious, renovated, and surrounded by the beauty of Florida's coastal lifestyle—this is a truly special Ormond Beach condo.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,512
Sqft
1.17 ac
Lot size
1
Garage
2007
Year built
One
Levels
$249
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.
$5,856 /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
$5,856/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.
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 Cocoa Beach actives
$249 vs $369
Days on market
2 vs 57 typical
Where $249/sqft sits among the 26 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 South 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 →
South Cocoa Beach — neighborhood snapshot
Population
863
Median age
60
Median income
$111,042
Median home value
$656,800
Avg household
2
Households w/ children
48%
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
$498K → $440K
Cocoa Beach median sold, yr/yr
95.0%
Sale-to-list ratio (12 mo)
11 of 26
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 28% 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 3500 S ATLANTIC AVENUE UNIT 103
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$585,000
23 VILLA VERDE · same community
5 bd · 4 ba · 2,800 sqft · $209/sqft · 20 DOM
Sold · Mar ’26$425,000
D Street VILLA VERDE · same community
5 bd · 3.5 ba · 1,886 sqft · $225/sqft · 60 DOM
Sold · Aug ’26$450,000
3360 S ATLANTIC AVENUE UNIT 304
3 bd · 2 ba · 2,292 sqft · $196/sqft · 242 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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3500 S ATLANTIC AVENUE UNIT 103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3500 S ATLANTIC AVENUE UNIT 103 — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3500 S ATLANTIC AVENUE UNIT 103 FAQs
What would the monthly payment be for 3500 S ATLANTIC AVENUE UNIT 103?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,856/mo — principal and interest, the actual property-tax bill, the $1,390/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 3500 S ATLANTIC AVENUE UNIT 103?+
The association fee works out to $1,390 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3500 S ATLANTIC AVENUE UNIT 103?+
The most recent tax bill on record (2025) was $8,385. 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 3500 S ATLANTIC AVENUE UNIT 103?+
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 Cocoa Beach?+
At $625,000, this home is listed about 28% above the Cocoa Beach median of $487,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3500 S ATLANTIC AVENUE UNIT 103?+
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
Four things that matter here
01Positioned at the premium end
$625,000 runs 28% above the COCOA BEACH 32931 median — but at 2,512 sqft it's also nearly twice the size of the typical Cocoa Beach listing.
02Know the monthly fee
The association fee is $1,390/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Fresh on the market
Only 2 days on market in a Cocoa Beach market that averages 57 — if it fits, move quickly.
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.
Keep looking
Similar homes nearby
Listing courtesy of EXIT REALTY PREMIER LEGACY · Chandler Williams. MLS #O6443158.
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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