The Surf
at Cocoa Beach

Direct-oceanfront condominium · 25 residences · five stories · ZIP 32931

A newer, low-density direct-oceanfront condominium in downtown Cocoa Beach.

Direct oceanfront25 residencesPrivate garages

Live Market Pulse

49/100
Momentum

Buyer-Leaning Market (limited data)

Resale supply is thin in a 25-unit building, so a single sale can swing the read; floor, exposure, and the HOA reserve picture decide where a unit trades.

Free · No obligation

Unlock Off-Market The Surf

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive Space Coast MLS data14 years of closingsLocal renovation analysisUpdated twice daily

LiveMarket PulseSpace Coast MLS

$1.06M

Median Price

12mo

Supply

n/a

Avg DOM

Soft

Seller Leverage

$600/sf

Median $/Sqft

n/a

1-Yr Price Change

0now

Distress

Jon's Current Read

"The Surf is a small, newer direct-oceanfront condominium in downtown Cocoa Beach, just 25 residences in a five-story building completed around 2022. That scale and vintage are the story: a tiny owner base, large floor plans with private two-car garages, and newer hurricane-rated construction set it apart from the older oceanfront stock nearby. The read is the HOA reserve picture, the barrier-island insurance line, and how thin resale supply behaves when only a couple of units trade in a year."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

The Surf at Cocoa Beach market snapshot (as of June 17, 2026): the median sale price is about $1.1M ($600 per sq ft), a buyer-leaning market (limited data). Based on 1 recent closings in live Space Coast MLS data.

The Surf at Cocoa Beach is a five-story, direct-oceanfront condominium of just 25 residences on North Atlantic Avenue in downtown Cocoa Beach, completed around 2022. It sits on the Atlantic side near the shops and restaurants of the downtown and cottage-row area, a walkable beachside pocket of the barrier island in ZIP 32931.

This is a newer, low-density luxury building rather than a 1970s or 1980s oceanfront tower. Floor plans reported in the three to five bedroom range run from roughly 1,770 square feet to over 4,000, and every residence includes a private two-car garage with electric-charging availability. The construction is rated to high Miami-Dade wind and hurricane standards, which matters for both comfort and insurability on a direct-ocean parcel.

Because there are only 25 units, resale supply is thin and a single sale can swing the perceived market. The building carries an active condominium association, with HOA dues reported around the low four figures per month; confirm the current amount, what it covers, and the reserve and structural-inspection status directly before you offer.

For a buyer who wants a newer, low-rise, direct-oceanfront residence with a garage and walkable downtown Cocoa Beach at the door, The Surf is a distinctive option on the Space Coast. The work is the carrying-cost read: the HOA, the windstorm and flood insurance reality of a direct-ocean barrier-island building, and an honest look at how a thin resale market trades.

Quick Match

Who The Surf is best for.

Best for

Buyers who want a newer, low-density direct-oceanfront condo rather than an older tower
Owners who value a private two-car garage and large floor plans on the beach
Walkable-downtown Cocoa Beach buyers who want shops and dining at the door
Buyers who will read the HOA, reserves, and barrier-island insurance honestly

Probably not for

Buyers seeking the lowest entry price on the Cocoa Beach oceanfront
Anyone who needs a large amenity deck, gym tower, and resort-scale services
Buyers uncomfortable with thin resale supply in a 25-unit building
Those unwilling to budget direct-ocean windstorm and flood insurance

Market Pulse

How The Surf is performing right now

49/100
momentum

Buyer-Leaning Market (limited data)

Seller's marketBalancedBuyer's market

12Months of supplytight

72Median days on marketdays

0 : 1Under contract vs for salestrong demand

1Sold in last 12 monthsliquidity

+127%Median price since 2012appreciation

+38%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from the Space Coast MLS, as of June 17, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current The Surf listings and the trailing twelve months of closed sales.

Where prices are going$850K2026 YTD

Median sale price by year. Tap a label to compare Avon By The Sea or Cocoa Beach. The 1-year price change is the median sold price over the most recent year versus the prior year, the same measure most listing sites and local Realtor reports use. It reflects the mix of homes that sold, not the change in any single home's value, which is why median price per square foot is shown alongside it to adjust for home size. In thinly traded neighborhoods, where a sale or two can swing the median, we lead with the mix-resistant price-per-square-foot trend instead.

Price per square foot$3072026 YTD

Median $/sqft by year. 2026 is year to date.

Supply and demand now1 : 0active : pending

For sale1

Pending0

Sold 12mo1

Active and pending listings now vs homes sold in the last 12 months.

8.6A- score

Momentum intelligence

Momentum buy score

Our proprietary read on how a home in The Surf at Cocoa Beach buys, holds, and resells. See the five factors.

Homes For Sale Right Now in The Surf

Live MLS inventory for The Surf at Cocoa Beach. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

65 N Atlantic Avenue #205 home for sale in The Surf at Cocoa Beach

ActiveTop listing

$2,199,000

3 bd · 3.5 ba · 2,657 sqft · built 2025

65 N Atlantic Avenue #205, Cocoa Beach, 32931

Reno opportunityBest value

Listed by Compass Florida, LLC

Active and pending The Surf listings as of 2026-06-17, priced high to low. Listing data provided by the Space Coast Multiple Listing Service. Information is deemed reliable but is not guaranteed accurate by the MLS.. Tap any home to ask about it.

Interactive Map

The Surf on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.

Listing locations from Space Coast MLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

Nearby & Commute

How far is everything?

The takeaway

The walkable downtown beachside location is the point: the Pier, shops, and dining are close, with Port Canaveral north and the Orlando area about an hour west.

Drive times from The Surf in downtown Cocoa Beach. The beachside, walkable setting puts the Pier and dining nearby, with the port and Orlando an easy reach.

Cocoa Beach Pier~5-10 min · Beachside Cocoa Beach

Port Canaveral~15-20 min · North on A1A

Kennedy Space Center area~25-30 min · North Brevard

Orlando Melbourne Int'l Airport~40-45 min · South Brevard

Orlando / theme parks~60 min · West via the 528

Orlando Int'l Airport (MCO)~55-65 min · West via the 528

Drive times are approximate and vary with traffic and your exact departure point. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near The Surfat Cocoa Beach with Momentum Realty’s local guides.

Del RealTown House VillasCocoa Beach, FL · 0.2 mi

CleggmoorCocoa Beach, FL · 0.4 mi

Kaia ResidenceCocoa Beach, FL · 0.7 mi

Cocoa IslesCocoa Beach, FL · 0.8 mi

Sunset IslandCocoa Beach, FL · 0.9 mi

HardawayEstatesCocoa Beach, FL · 0.9 mi

River IslesCocoa BeachCocoa Beach, FL · 1.1 mi

Snug Harbor Estatesin Cocoa BeachCocoa Beach, FL · 1.2 mi

Cocoa CabanasCocoa Beach, FL · 1.3 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr

The Surf (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take

Brevard County Public Schools
Verify the zoned schools by address
Magnet and choice options may be available
Confirm current ratings before relying on them
Private and parochial options nearby

The Surf is served by Brevard County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Buying with schools in mind? We can confirm the exact zoned schools for any The Surf address.

The takeaway

What is actually shaping value at The Surf: newer hurricane-rated construction, the statewide condo-reserve rules, the thin 25-unit resale supply, and the ongoing Space Coast beach renourishment cycle. The sourced items below are linked.

Recent Developments in The Surf at Cocoa Beach

Development Intelligence

Our read on what is being built around The Surf, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishThe newer construction and scarce supply point up; the near-term watch items are the direct-ocean insurance market and how a thin 25-unit resale pool turns over.

Newer hurricane-rated oceanfront construction

Ongoing

BullishMajor impact

SignificanceRadius: On-site

An early-2020s building rated to high wind standards is better positioned on insurability than the older oceanfront stock nearby.

Florida condo reserve and inspection rules in force

2025

NeutralMajor impact

SignificanceRadius: Regional

Statewide structural-reserve and milestone-inspection rules reshape condo budgets; a newer building should be better placed, but confirm the reserve study.

Thin, 25-unit resale supply

Ongoing

BullishNotable impact

SignificanceRadius: Community

A 25-unit building keeps resale supply scarce, which can support pricing power but makes any single comp swing the read.

Walkable downtown Cocoa Beach location

Ongoing

BullishNotable impact

SignificanceRadius: Local

Shops, dining, and the cottage-row area at the door support demand for a beachside condo here.

Federal beach renourishment investment continues

2025

BullishNotable impact

SignificanceRadius: Regional

Ongoing Space Coast shoreline renourishment supports beach width and barrier-island property values over time.

Direct-ocean insurance the key carrying-cost line

Ongoing

NeutralNotable impact

SignificanceRadius: Community

Windstorm and flood premiums on a direct-ocean building are the variable to budget; quote them on the specific unit.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting The Surf at Cocoa Beach, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

January 2025
Coast
$41 million federal beach renourishment underway on the Space Coast
The Canaveral Port Authority and Brevard County partnered with the U.S. Army Corps of Engineers on a federally funded sand-bypass renourishment that dredges and places roughly 1.5 million cubic yards of sand to preserve area beaches. Why it matters: Sustained federal investment in beach width supports barrier-island property values over time, a quiet positive for Cocoa Beach oceanfront owners. Source
October 2025
Coast
Brevard monitors beach erosion as high winds and tides continue
County staff reported anticipated erosion in the Mid Reach and South Beaches areas after hurricane swells and seasonal tides, with a South Beaches dune-maintenance project planned for December 2025 through April 2026. Why it matters: Barrier-island ownership means reading the erosion and renourishment cycle; the county's ongoing dune and nourishment work is the mitigating factor. Source

Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

The Strategy

The The Surf buying strategy.

If we were buying in The Surf, this is the order of operations we would run, and the one we run for our clients.

Confirm the HOA and reserves first. Get the current dues, what they cover, and the reserve and structural-inspection status in writing before you fall for a view.

Price the insurance honestly. A direct-ocean barrier-island building carries real windstorm and flood premiums; quote them on the specific unit before you offer.

Read the floor and the exposure. Higher floors and unobstructed ocean frontage drive value in a small building; know what your balcony actually faces.

Account for the garage and storage. A private two-car garage is a genuine differentiator on the oceanfront; confirm it conveys with the unit you want.

Respect the thin resale market, and cross-shop the older walk-to-beach stock at Avon By The Sea in north Cocoa Beach.

The Quick Decision

Best Buy

A high-floor, unobstructed-ocean unit with a confirmed strong reserve picture

Biggest Risk

Underbudgeting windstorm and flood insurance on a direct-ocean building

Best Lot

Direct-ocean exposure and floor level over interior or partial-view units

Smart Timing

Confirm the current HOA dues, reserves, and structural-inspection status

Deep-Dive Intelligence

The full read, only if you want it.

The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

The Surf at Cocoa Beach is a small, newer direct-oceanfront condominium of 25 residences in a five-story building on North Atlantic Avenue, completed around 2022 in the walkable downtown and cottage-row area of Cocoa Beach. Residences are large for the oceanfront, reported from roughly 1,770 square feet to over 4,000, in three to five bedroom plans with oversized ocean-facing balconies and high-impact glass rated to Miami-Dade hurricane standards. Every unit includes a private two-car garage with electric-charging availability. Reported building amenities include a heated pool and spa on an upper deck, a club room with a kitchen, a fitness room, a summer kitchen, and private resident beach access. With only 25 units, this is a low-density, thin-resale building where floor, exposure, and the HOA reserve picture drive value.

The Surf Homes For Sale

What your money buys in The Surf.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Here are the broad resale bands in The Surf today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

The Entry Unit

$1.06M to $1.06M

A lower-floor or partial-exposure residence in the building. The way into a newer oceanfront address at the more accessible end of the range.

Lowest entry

The Core Unit

$1.06M to $1.06M

A mid-level, solid-exposure residence with strong ocean views and the private garage, the heart of this small building's resale market.

Most inventory

The Top

$1.06M to $1.06M

A high-floor, unobstructed direct-ocean residence with the largest square footage, the units that hold value best here.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

See Off-Market & Private Listings

What Your Money Buys

What ~$1.06M buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

$1.06M to $1.06M

The Entry Unit

A lower-floor or partial-exposure residence in the building. The way into a newer oceanfront address at the more accessible end of the range.

$1.06M to $1.06M

The Core Unit

A mid-level, solid-exposure residence with strong ocean views and the private garage, the heart of this small building's resale market.

$1.06M to $1.06M

The Top

A high-floor, unobstructed direct-ocean residence with the largest square footage, the units that hold value best here.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

Operator Intelligence

Renovation & Resale Intelligence

The factors that actually move value in The Surf, condition, lot, and the renovation math, read from current listings and recent sales.

15-Second Take

Renovation math decides the deal
Better lots and views resell strongest
Roof and HVAC age drive the insurance quote
Interior lots are where buyers overpay

Proprietary Data

The renovation premium.

Renovated-listing inventory in The Surf is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.

Unit Value

The unit premium.

In a condo the value the market gives back at resale is set by the unit, not a lot: the floor, the view line (direct versus partial), and the exposure. The interior can be renovated, but the floor and view cannot, so higher floors and better views hold their value better. How much more they command varies by building, line, and condition, which is why we read it unit by unit against real comparable sales rather than a single headline figure.

Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Resale Strength Scorecard

How well The Surf holds value.

Our read on the factors that protect resale here, and the one to manage.

Newer hurricane-rated constructionStrong

Walkable downtown beachside locationStrong

Private two-car garagesStrong

Direct-ocean insurance costManage it

Thin 25-unit resale marketManage it

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in The Surf

15-Second Take

Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Underbudgeting the carrying costs
Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

Calling the listing agent

The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.

Misjudging the renovation math

A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.

Overpaying for an interior lot

A premium homesite (water, preserve, or a preferred position) carries a real, durable premium. Pay a top price for an interior lot and you are buying the weakest version of the value.

Underbudgeting the carrying costs

Two similar homes can cost very differently to own once the HOA, any CDD, insurance, and upkeep are priced in. Buyers who do not run the full monthly carrying cost misread the real number.

Skipping the systems check

An older home means older systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.

“

The view and the garage are priced into every unit. The deal is won or lost on the HOA reserves, the insurance line, and how a 25-unit market trades.

Jon Brooks · Founder, Momentum Realty

Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.

8.1B+ · Buy Score

Resale Strength8.0/10

Renovation Risk2.8/10

Location Efficiency8.8/10

Long-Term Defensibility8.2/10

Carrying Cost Advantage6.0/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Momentum Housing Intelligence

Why our read on The Surf is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live Space Coast MLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live Space Coast MLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates

Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Unit Value Map

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)

$261 value$401 premium

Fill = price per square foot; ring = by realized $/sqft per unit. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from Space Coast MLS; for orientation, not an appraisal.

15-Second Take

Direct-ocean exposure holds value best
Higher floors command durable premiums
Partial or interior exposure is the discount tier
The private garage is a real differentiator
Read the floor and the view before the finishes

In a small oceanfront condominium, the exposure is the part of your money the market gives back at resale. A high-floor, unobstructed direct-ocean residence at The Surf commands a durable premium over a lower-floor or partial-exposure unit, and the private two-car garage adds value that older oceanfront buildings cannot match. Read the floor and the view first, then price the unit's finish and the HOA reserve picture against it.

The 15-Second Verdict

The Surf in 15 seconds.

Best forBuyers who want a newer, low-density direct-oceanfront condo with a private garage.

Biggest advantageNewer hurricane-rated construction, large floor plans, and walkable downtown Cocoa Beach at the door.

Biggest riskWindstorm and flood insurance plus HOA reserves on a direct-ocean barrier-island building.

Sweet spotA high-floor, unobstructed-ocean unit with a confirmed healthy reserve picture.

Avoid ifYou want the lowest entry price or a large resort-scale amenity package.

HOA, CDD & Fees

15-Second Take

Small 25-unit building, thin resale supply
HOA reported around the low four figures monthly
Confirm reserves and structural-inspection status
Master insurance plus your own interior policy
Direct-ocean insurance is the line to watch

Reported around the low four figures per month for the condominium association; confirm the current amount and billing for a specific unit, since figures move and structural-reserve rules have reshaped condo budgets statewide.

Building common areas, the shared pool and amenity spaces, exterior and grounds upkeep, and master insurance on the structure. Confirm exactly what the master policy covers versus what you insure inside the unit.

No private club. Amenities reported for the building include a heated pool and spa on an upper deck, a club room with kitchen, a fitness room, a summer kitchen, and private resident beach access.

Run Your Numbers

Tools for a The Surf buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxBrevard County millage and the homestead picture.Rent vs buyThe breakeven on owning in The Surf.Save Our HomesProject your homestead tax cap over time.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Selling in The Surf

Price it to the floor, the view, and the reserve picture, not the Zestimate.

If you are thinking about selling at The Surf, the right list price comes from the handful of comparable oceanfront condo sales matched to your floor, exposure, and square footage, not an automated estimate. In a 25-unit building, the view tier and the HOA reserve story are what set your number.

Momentum listings (YTD)

97.98%

Sold-to-list ratio across our market for our agents, sellers keeping more of their price.

Market average (YTD)

96.73%

The broader metro average sold-to-list ratio over the same period.

Momentum days on market

64 days

Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.

Market days on market

72 days

The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In The Surf, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Avon By The Sea, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your The Surf home worth?

Get a no-obligation home value based on real comparable sales in The Surf matched to your condition, lot, and view, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See homes for sale in The Surf at Cocoa Beach on the map →
Or get your The Surf at Cocoa Beach home value & selling guide →

Real comps, not a Zestimate.

The Surf Market Scorecard

Buyer-Leaning Market (limited data)

The Surf is currently a buyer-leaning market (limited data). About 12.0 months of supply, a median asking price of $2,199,000.

12.0

Months supply

$2,199,000

Median list

$1,062,000

Median sold

$600

Per sqft

n/a

Days on mkt

1/0/1

Active/Pend/Sold

Typical home value in the 32931 ZIP is $456,898, about 8.5% above the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Based on information from the Space Coast MLS for the period 2026 through 2026-06-18. Refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Where is The Surf at Cocoa Beach located?

The Surf is a direct-oceanfront condominium on North Atlantic Avenue in downtown Cocoa Beach, ZIP 32931, on the Atlantic side near the shops and restaurants of the downtown and cottage-row area.

How many units are in The Surf?

The building is a five-story structure with 25 residences, a small, low-density oceanfront condominium rather than a large tower.

When was The Surf at Cocoa Beach built?

The project was constructed in the early 2020s, with occupancy reported around 2022. It is one of the newer direct-oceanfront condominium buildings in Cocoa Beach.

Does The Surf have a homeowners association?

Yes. The Surf at Cocoa Beach has an active condominium association. HOA dues are reported around the low four figures per month; confirm the current amount, inclusions, and reserve status directly before you offer.

How big are the units at The Surf?

Floor plans are reported in the three to five bedroom range, from roughly 1,770 square feet to over 4,000 square feet, with spacious oversized balconies on the ocean side.

Do the units have garages?

Yes. Every residence is reported to include a private two-car garage, with electric-charging availability, which is uncommon on the Cocoa Beach oceanfront.

What amenities does The Surf offer?

Reported amenities include a heated pool and spa on an upper deck, a club room with a kitchen, a fitness room, a summer kitchen for grilling, and private beach access for residents. Confirm the current amenity list with the association.

Is The Surf a good building for insurance?

The construction is rated to high Miami-Dade wind and hurricane standards, which can help. That said, any direct-ocean barrier-island building carries meaningful windstorm and flood premiums, so quote insurance on the specific unit before you offer.

Can you have pets at The Surf?

The building is reported to allow pets, with sources describing a more generous pet policy than many oceanfront condos. Confirm the current pet rules and limits with the association before you rely on them.

Is The Surf a vacation-rental building?

It is a residential ownership condominium. Some owners may lease their units, and rental and minimum-lease rules vary, so confirm the association's leasing restrictions and any minimum-stay requirement before buying for that purpose.

How is the resale market at The Surf?

With only 25 units, resale supply is thin and a single sale can move the perceived market. The right read is the comparable-sales analysis on a specific unit by floor, exposure, and square footage.

What is downtown Cocoa Beach like?

It is a walkable beachside pocket of the barrier island with shops, restaurants, and the cottage-row area nearby, plus easy access to the Cocoa Beach Pier and State Road A1A. The Surf sits on the Atlantic side of that area.

How far is The Surf from Port Canaveral and Orlando?

Port Canaveral is a short drive north, the Orlando area is roughly an hour west, and Orlando Melbourne International Airport is well under an hour south. Confirm your real drive times at your departure point.

Should I use the listing agent to buy at The Surf?

No. The listing agent works for the seller. On an oceanfront condo where the HOA reserves and insurance line swing the true cost, having your own representation is the highest-leverage decision you make.

The Verdict

Should you buy in The Surf?

An honest fit check. We will tell you when it is not your community.

Buyers who want a newer, low-density direct-oceanfront condo rather than an older towerExcellent fit

Owners who value a private two-car garage and large floor plans on the beachExcellent fit

Walkable-downtown Cocoa Beach buyers who want shops and dining at the doorExcellent fit

Buyers who want newer hurricane-rated construction on the oceanfrontExcellent fit

Buyers who will read the HOA, reserves, and insurance honestlyExcellent fit

Buyers seeking the lowest entry price on the Cocoa Beach oceanfrontProbably not

Anyone who needs a large amenity deck and resort-scale servicesProbably not

Buyers uncomfortable with thin resale supply in a 25-unit buildingProbably not

Those unwilling to budget direct-ocean windstorm and flood insuranceProbably not

Buyers who want a single-family home rather than a condominiumProbably not

Get the inside read on The Surf

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your The Surf home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

You are all set.

A Momentum Realty The Surf specialist will reach out personally, usually the same day.

Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Source: Listing data provided by the Space Coast Multiple Listing Service. Information is deemed reliable but is not guaranteed accurate by the MLS.

The Surfat Cocoa Beach

The 60-Second Overview

Who The Surf is best for.

Best for

Probably not for

How The Surf is performing right now

Homes For Sale Right Now in The Surf

The Surf on the map.

How far is everything?

Nearby Communities

Schools

Recent Developments in The Surf at Cocoa Beach

Newer hurricane-rated oceanfront construction

Florida condo reserve and inspection rules in force

Thin, 25-unit resale supply

Walkable downtown Cocoa Beach location

Federal beach renourishment investment continues

Direct-ocean insurance the key carrying-cost line

$41 million federal beach renourishment underway on the Space Coast

Brevard monitors beach erosion as high winds and tides continue

The The Surf buying strategy.

The full read, only if you want it.

What your money buys in The Surf.

What ~$1.06M buys here.

Renovation & Resale Intelligence

The renovation premium.

The unit premium.

How well The Surf holds value.

5 Mistakes Buyers Make in The Surf

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Underbudgeting the carrying costs

Skipping the systems check

Momentum Buy Score.

Why our read on The Surf is different.

Which Lots & Views Hold Value Best

The Surf in 15 seconds.

HOA, CDD & Fees

Tools for a The Surf buy.

Price it to the floor, the view, and the reserve picture, not the Zestimate.

In The Surf, condition and view decide your number

What is your The Surf home worth?

Price History: What Homes Here Have Actually Sold For

The Surf Market Scorecard

Frequently Asked Questions

Should you buy in The Surf?

Get the inside read on The Surf

You are all set.

Need to sell fast in Brevard County?

You just read the data. Now see what your home is worth.

The Surf
at Cocoa Beach