Listing data checked against the MLS November 4, 2026 at 10:33 AM ET · rechecked hourly
Listed by Denovo Realty (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2Bathrooms
1,826Sq Ft
1993Year Built
$260Per Sq Ft
2-car garageNo CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
33% below
$/sq ft vs community
$260 here vs $388 median sold (12 mo)
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 7 of 12
Price vs recent sales
Asking $475k tops 7 of the last 12 closed sales
Sources: Space Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
Highlights
101 Ocean Garden Lane in Ocean Gardens Wave 1, Cape Canaveral is listed at $475,000 (1,826 sq ft, about $260 per sq ft). It came to market within the past week. Listing facts: built in 1993, HOA dues of $115/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1993 · 33 yrs
1,826 sq ft of living area
2-car garage
Listed at $475,000 — recent neighborhood median sale price ~$712,000 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA $115/mo (per listing)
Listing description
About this home
A Beachside retreat! This immaculate one-story Ocean Gardens half-duplex has so much to offer - location and all. Meticulously designed with crown molding, granite kitchen counters, stainless steel appliances & plantation shutters.
A spacious 2-car garage with screened sliders, perfect for an extra outdoor work space. The atrium along with skylights allow for lots of natural light, while the vaulted ceilings expand the open floorplan feel. The primary ensuite has a walk-in shower for ease plus a soaking tub.
The 2nd bathroom is equipped with walk-in tub with watertight door. Kick back with a coffee or cocktail on your enclosed back patio, complete with AC for year-round use. Plenty of room in the large pavered backyard with shade trees.
The front garden area is an oasis of peace surrounded by greenery. Less than .5 miles to beach access (no major roads to cross). Bike to the beach, river, Port Canaveral & more.
The Bowen Aquarium will be in biking distance too, when complete! Find your community of local friends at monthly Friday Fests, by joining a Pickleball/Tennis/racquetaball league at the local rec center, sign up for Zumba or join the Cape Canaveral community center gym. Come find home in the heart of Cape Canaveral & the Space coast.
All 33 photos
Description provided by Denovo Realty and reproduced from the MLS; not independently verified.
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold May 2026
$600,000
345 Dorset Drive, Cocoa Beach
3 / 2 bd/ba · 1,799 sq ft · $334/sq ft
Courtesy of Compass Florida, LLC · View details →
Sold Mar 2026
$1,200,000
464 Angelo Lane, Cocoa Beach
3 / 2 bd/ba · 1,856 sq ft · $647/sq ft
Courtesy of LPT Realty LLC · View details →
Sold Oct 2026
$695,000
316 Dorset Drive, Cocoa Beach
3 / 2 bd/ba · 1,771 sq ft · $392/sq ft
Courtesy of Relentless Real Estate Co. · View details →
Sold Jun 2026
$729,000
316 Kent Drive, Cocoa Beach
4 / 2 bd/ba · 1,900 sq ft · $384/sq ft
Courtesy of Real Broker LLC · View details →
Sold Oct 2026
$765,000
110 W Pasco Lane, Cocoa Beach
3 / 2 bd/ba · 1,911 sq ft · $400/sq ft
Courtesy of YourHome Sold Guaranteed Rlty · View details →
Sold Jun 2026
$638,000
125 W Gadsden Lane, Cocoa Beach
3 / 3 bd/ba · 1,730 sq ft · $369/sq ft
Courtesy of Don Harkins Realty, LLC · View details →
Median of these 6 sales: $712,000 ($388/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$475,000
Bed / bath3 / 2
Living area1,826 sq ft
Year built1993
Property typeSingle Family Residence
Garage2-car
MLS #1086312
Listing statusUnder Contract
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~12 ft
CountyBrevard
Area listings2 active · 0 under contract
Estimated first-year tax~$6,625/yr
CDD assessmentNone on record
HOA$115/mo
Calculated estimates
Price per sq ft$260
Estimated monthly payment$3,491
Insurance (illustrative)$2k–$4k/yr
Messtimate range$673,794 – $730,400
Comparable-sales median$712,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$3,491/mo
Principal & interest $2,590/mo74%
Taxes $552/mo16%
Insurance $234/mo7%
HOA $115/mo3%
$3,491/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Brevard County rate (15.60 mills, adopted 2025 millage). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $4,650/yr ($388/mo) — taxable value $298,510 × 15.60 mills
$1,975 more each year
(+42%)
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
$298,510
Market value
$298,510
Assessed
$298,510
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Space Coast AR; millage: Brevard County Property Appraiser 2025 millage table. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 101 Ocean Garden Lane
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $4,650/yr (certified county roll, taxable value × millage). Buy at the asking price of $475,000 and the first-year bill resets to about $6,625/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 15.60 mills); Save Our Homes caps later increases at 3%/yr.
HOA dues
$115/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insurance
The average Citizens Property Insurance premium in Brevard County is $2,348/yr (6,986 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $2,000–$4,000/yr; neither is a quote.
Roof and age
Built in 1993. An original roof would be about 33 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated carrying cost at the asking price, before the mortgage: about $863/month (tax $552, HOA $115, insurance $196). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$115/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~12 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Brevard County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Brevard County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Coastal floodingRelatively Moderate
Inland floodingRelatively High
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windRelatively High
DroughtRelatively Low
HailRelatively Low
Cold waveRelatively Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Ocean Gardens Wave 3
Pricing & the Ocean Gardens Wave 3 market
How this home is priced against recent nearby sales, and where Ocean Gardens Wave 3 has been over 25 years. Momentum Research analysis of Space Coast MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
1993BuiltPer public record
Sep 4, 2026First seen on movewithmomentum.comObserved at $489,000
Oct 5, 2026Price cut$475,000 (-$14,000, -2.9%)
NowUnder contractActive under contract
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $475,000Denovo Realty
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Research
The Momentum read
🟡 Asking $260 per square foot, about 33% below the community’s $388 median. Ocean Gardens Wave 3’s 12-month median sold price per square foot is $388. MLS facts: Space Coast MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
69% of homes in Ocean Gardens Wave 3 are owner-occupied. An estimated 31% are non-owner-occupied, including 6% held in a company or trust and 6% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 16 homes matched. Community-level context.
What’s unique here: one of only 2 active listings in Ocean Gardens Wave 3, no CDD assessment.
Checked against the MLS November 4, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Denovo Realty · MLS # 1086312
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Keep looking
Similar homes for sale near Ocean Gardens Wave 1
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Parks Amenities
Westin Cocoa Beach details FlowSurf surf attraction and plans for local access
The resort says its surf attraction will be called the FlowSurf Experience at The Lineup, with adjustable wave levels. Planned additions include a beachside bar called Locals Only and a cafe called Wax Shack with sports simulators, and the resort intends to offer attractions to the local community, with pricing not yet announced.
Why it matters: The project adds recreation and dining amenities to the Cocoa Beach oceanfront and may create hospitality jobs ahead of opening. The site is about 3 miles southwest of Ocean Gardens Wave 3.
Port Canaveral board reviews cruise revenue, Terminal 10 rehab and marina plans
Fiscal 2026 cruise revenue reached $210 million, about $10 million above projections, and the board was asked to add $2.7 million to the Cruise Terminal 10 rehab order. Bluepoints Marina is set to close by the end of 2028 for Cruise Terminal 4, with Cape Marina becoming full-service, and a $2.9 million commercial fishing facility is under way on Mullet Road.
Why it matters: Port projects signal continued terminal investment and shifting boat-slip and waterfront commercial capacity near Cape Canaveral. The site is about 3 miles northwest of Ocean Gardens Wave 3.
Blue Origin finishes reassembling its New Glenn access tower at Launch Complex 36
The vehicle access tower at Cape Canaveral has been fully reassembled about five months after a May 28 hot-fire test explosion, with every module repaired. The company is revising its pad process and aims to resume flights by the end of 2026.
Why it matters: Continued investment at the Cape pad supports aerospace employment and activity that feeds the Brevard job base. The site is about 6 miles northeast of Ocean Gardens Wave 3.
Cocoa Beach commission asks state to study faster boat channels on the Banana River
The commission unanimously passed a proposal asking Florida wildlife officials to review manatee speed zones, with the mayor suggesting 25 mph daytime channels. The request is not final, and the state has not set a study timeline.
Why it matters: Any change in speed zones could shorten boat travel times for waterfront residents and marine businesses around Cocoa Beach. The site is about 3 miles southwest of Ocean Gardens Wave 3.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Brevard County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEB
Cape ViewAssigned elementary school · Brevard County School District · Grade B (Florida DOE 2025-26)
Cocoa BeachAssigned middle school · Brevard County School District
Cocoa BeachAssigned high school · Brevard County School District
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 101 Ocean Garden Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1993 (33 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $115/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Brevard County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,826 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $6,625/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,975 more per year than the current owner’s estimated bill (+42%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
Space Coast MLS, checked against the MLS hourly (last: November 4, 2026)
Comparable sales
Space Coast MLS closed sales within about 3 miles, last 18 months, as of July 15, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Space Coast MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 101 Ocean Garden Lane and when was it built?
Per the listing record, 101 Ocean Garden Lane was built in 1993 and has 1,826 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 101 Ocean Garden Lane in?
101 Ocean Garden Lane is in Ocean Gardens Wave 1 in Cape Canaveral, Brevard County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 101 Ocean Garden Lane have an HOA, and how much are the dues?
The listing reports HOA dues of $115 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 101 Ocean Garden Lane differ from the current owner's?
The estimate on this page (about $6,625 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,975 more per year than the current owner’s estimated bill (+42%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 101 Ocean Garden Lane in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
