
4195 E RAILROAD AVENUE, COCOA, FL, 32926
Active26 days on marketListed Aug 25, 2026MLS #TB8541761
About this home
4195 E RAILROAD AVENUE
4195 E Railroad Ave is a 1958 frame single-family home in Cocoa, FL 32926, 5 bedrooms and 2 baths across 1,456 square feet, on a paved street in Brevard County with wooded cover along the side and rear. This is a full renovation with a scope you can price on one page. The roof over the front of the house is sound and the rear has a leak. The kitchen and both baths are down to a remodel. One window at the front is cracked. That is the list. The electrical has already been done recently and the house carries two meters, which is the most expensive line item on a 1958 house and the one most projects on this street are still paying for. City water and public sewer already serve the property, both connected, so work starts on utilities that are in and permitted instead of on a system that has to be budgeted. Inside, the house is opened up and staged for finish work rather than sitting behind demolition. Walls are patched and taped, floors are down to plank, and new flooring material is on site. The living room holds a masonry fireplace with built-in shelving beside it. Two rooms keep their original wood plank ceilings, a surface that gets drywalled over on almost every home this age. Every bedroom has its own closet and several have two, so the layout rents as drawn without moving walls. The bath has a tub and shower with a tile surround and a vanity in place. A dedicated interior laundry space with hookups sits off the kitchen, and the kitchen runs a full 12 by 12 with room for an island or a peninsula once cabinets go back. The living room measures nearly 16 feet long, which is what lets this house hold five bedrooms without cutting the common space down. Outside, a full-length wood deck and railed walkway wrap the side and rear and open onto tall palms, oaks, and a treed rear line that screens the property on every side. Louvered shutters stay with the windows. The street is paved to the property line. This is the largest house on this stretch of E Railroad Ave. The nearest comparable houses on the same street run roughly 700 to 720 square feet, and several parcels around them are moving as raw land in a multi-parcel liquidation, which puts a finished five bedroom, two bath house of this size in a class of its own here whether the exit is resale or a hold. Two units and two electric meters give the next owner two income streams under one roof instead of one, and the recent electrical work is what makes that practical. Cocoa sits in the middle of Brevard County on Florida's Space Coast, inland from the beaches and inside the Cocoa and Rockledge work corridors, which is the demand that keeps occupancy tight in this zip code. Investors, flippers, and owner-builders hunting a 1950s Brevard County rehab with utilities in and electrical done should walk this one first. Sold as-is, seller makes no repairs.
Facts & features
The home at a glance
5
Bedrooms
2
Bathrooms
1,456
Sqft
0.43 ac
Lot size
1958
Year built
One
Levels
$103
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 — not generic estimates.
$1,262 /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
$1,262/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.
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 ACREAGE
$103 vs $304
Days on market
26 vs 48 typical
Where $103/sqft sits among the 108 homes for sale in ACREAGE
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 Cocoa
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Cocoa. See the full Cocoa guide →
COCOA 32926 — neighborhood snapshot
Population
21,576
Median age
52.2
Median income
$65,092
Median home value
$251,400
Avg household
2.29
Households w/ children
1,383
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 market
$298K → $238K
Cocoa median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
60 of 108
ACREAGE have cut their price
Median sold price, Cocoa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 35% below the COCOA 32926 median. See the full Cocoa market guide →
Paper trail
This home's history
Reality check
What actually sold near 4195 E RAILROAD AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$655,000
15260 SUGAR BOWL ROAD · same community
3 bd · 2 ba · 1,449 sqft · $452/sqft · 9 DOM
Sold · Dec ’25$320,539
21183 FORT CHRISTMAS ROAD · same community
3 bd · 2 ba · 1,368 sqft · $234/sqft · 162 DOM
Sold · Dec ’25$392,300
13830 SUGAR BOWL ROAD · same community
3 bd · 2 ba · 1,568 sqft · $250/sqft · 9 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 4195 E RAILROAD AVENUE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4195 E RAILROAD AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4195 E RAILROAD AVENUE FAQs
What would the monthly payment be for 4195 E RAILROAD AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,262/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 4195 E RAILROAD AVENUE?+
The most recent tax bill on record (2025) was $1,835. 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?+
At $149,900, this home is listed about 51% below the Cocoa median of $309,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4195 E RAILROAD AVENUE?+
Cocoa High School (high), Saturn Elementary School (elementary) — Brevard County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of SILVER DOOR REALTY LLC · Michelle Paez. MLS #TB8541761.
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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