Waterfront Homes for Sale in Merritt Island, FL
This page tracks every Merritt Island listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.
111 waterfront homes are for sale or pending in Merritt Island, FL today across 74 communities. The median asking price is $660,000, from $119,900 to $5,900,000. Listings in Merritt Island without that feature have a median of $375,000. Most listings right now: Cape Crossing (7), Surfside Estates Unit 3 (5), Georgiana Settlement (4). Updated September 27, 2026 from the MLS.
Live waterfront homes in Merritt Island: the listings
75 active listings carry the flag today (33% of Merritt Island inventory), median asking $650,000, $368/sq ft, median 114 days on market. Photo cards link to the listing; refreshed nightly.
Newest waterfront homes in Merritt Island
The most expensive waterfront homes in Merritt Island
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 4747 S Tropical Trail | $5,900,000 | 7,571 | — |
| 265 Stewart Drive | $4,750,000 | 5,286 | — |
| 8765 S Tropical Trail | $4,495,000 | 4,346 | Sanders Subd |
| 4760 Honeyridge Lane | $3,999,000 | 6,371 | Honeymoon Hill |
| 1840 Harbor Point Drive | $3,495,000 | 5,628 | — |
| 10100 S Tropical Trail | $2,965,000 | 3,853 | Stewarts Homestead |
| 9340 S Tropical Trail | $2,950,000 | 4,267 | Sanders Subd |
| 2175 S Tropical Trail | $2,550,000 | 4,097 | — |
| 2175 S Tropical Trail | $2,550,000 | 4,097 | — |
| 106 Victoria Street | $2,500,000 | 3,988 | — |
Waterfront Homes by price
| Band | For sale | Share |
|---|---|---|
| Under $300K | 5 | 7% |
| $300K–$500K | 12 | 16% |
| $500K–$750K | 26 | 35% |
| $750K–$1M | 13 | 17% |
| $1M+ | 19 | 25% |
Merritt Island waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale. The 60 communities with the most waterfront homes listed are tabled; the rest follow.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Cape Crossing | 7 | 0 | $430,000 | $379,500 |
| Surfside Estates Unit 3 | 5 | 0 | $595,000 | $545,000 |
| Georgiana Settlement | 4 | 1 | $1,894,500 | $1,599,000 |
| Sanders Subd | 3 | 1 | $2,950,000 | $1,890,000 |
| River Fly-In | 3 | 0 | $895,000 | $559,900 |
| Milford Point Beach Subd | 2 | 0 | $1,799,000 | $1,399,000 |
| Riviera Isles Sec 4 | 2 | 0 | $1,405,000 | $715,000 |
| Chase Hammock Lakes | 2 | 0 | $1,132,000 | $839,000 |
| Banana River Drive Subd | 2 | 0 | $1,024,991 | $850,000 |
| Savannah Landings | 2 | 0 | $633,950 | $598,900 |
| Egrets Landing | 2 | 0 | $629,450 | $609,000 |
| Diana Shores Unit No 2 | 2 | 0 | $600,000 | $550,000 |
| Sunset Lakes PUD Phase X | 2 | 0 | $579,000 | $560,000 |
| Hampton Homes Unit 7 | 2 | 0 | $574,000 | $429,000 |
| Riviera Isles Unit 1 | 2 | 0 | $550,000 | $550,000 |
| Sunset Bay A Condominium | 2 | 0 | $137,450 | $135,000 |
| Honeymoon Hill | 1 | 0 | $3,999,000 | $3,999,000 |
| Harbor Point Phase 1 | 1 | 0 | $3,495,000 | $3,495,000 |
| Stewarts Homestead | 1 | 1 | $2,965,000 | $2,965,000 |
| Agnes M. Kraker | 1 | 0 | $2,550,000 | $2,550,000 |
| River Cliff | 1 | 0 | $2,500,000 | $2,500,000 |
| Georgiana Settlement | 1 | 0 | $1,899,000 | $1,899,000 |
| Villa De Palmas Sykes Cove Sec 02 | 1 | 0 | $1,769,000 | $1,769,000 |
| Villa De Palmas Sykes Cove Sec 02 | 1 | 0 | $1,769,000 | $1,769,000 |
| Paradise Point No 4 | 1 | 0 | $1,400,000 | $1,400,000 |
| Villa De Palmas Sykes Cove | 1 | 0 | $1,100,000 | $1,100,000 |
| Riverside Replat of | 1 | 0 | $1,100,000 | $1,100,000 |
| Pelican Creek Estates Addn No 2 | 1 | 0 | $999,999 | $999,999 |
| Horti | 1 | 0 | $975,000 | $975,000 |
| Sherwood Forest Second Div | 1 | 0 | $922,500 | $922,500 |
| Glen Isles Sec 3 | 1 | 0 | $919,000 | $919,000 |
| Bridgewater Phase 1 | 1 | 0 | $895,000 | $895,000 |
| Waterway Manor Unit 1 | 1 | 0 | $800,000 | $800,000 |
| Diana Shores Unit No 3 | 1 | 0 | $799,000 | $799,000 |
| Diana Shores Unit No 9 | 1 | 0 | $789,000 | $789,000 |
| Island Forest Preserve | 1 | 0 | $760,000 | $760,000 |
| Glen Isles Sec 1 | 1 | 0 | $750,000 | $750,000 |
| Diana Shores Unit No 6 | 1 | 0 | $699,000 | $699,000 |
| Catalina Isle Estates Unit 6 | 1 | 0 | $690,000 | $690,000 |
| Villa De Palmas Unit 1 | 1 | 0 | $689,000 | $689,000 |
| Ridge Manor Estates | 1 | 0 | $675,000 | $675,000 |
| Surfside Estates Unit 5 | 1 | 0 | $675,000 | $675,000 |
| Surfside Estates Unit 6 | 1 | 0 | $660,000 | $660,000 |
| Sunset Lakes PUD Phase 2 | 1 | 0 | $660,000 | $660,000 |
| Sunset Lakes Pud Ph 02 | 1 | 0 | $660,000 | $660,000 |
| Hampton Homes Unit 8 | 1 | 0 | $649,900 | $649,900 |
| Pelican Creek Estates Addn No 1 | 1 | 0 | $649,900 | $649,900 |
| Indian Bay Estates Phase 1 | 1 | 0 | $599,900 | $599,900 |
| Vetter Isles Ests Sec 3 | 1 | 0 | $599,900 | $599,900 |
| Canaveral Sub | 1 | 0 | $599,900 | $599,900 |
| Diana Shores Unit No 1 | 1 | 0 | $589,000 | $589,000 |
| Savannahs PUD The | 1 | 0 | $568,900 | $568,900 |
| Sunset Lakes PUD Phase 1-A | 1 | 0 | $565,000 | $565,000 |
| Sunset Lakes P.U.D Phase X | 1 | 0 | $560,000 | $560,000 |
| Riviera Isles Unit 1 Replat | 1 | 0 | $530,000 | $530,000 |
| Floral Park Sec 1 | 1 | 0 | $524,900 | $524,900 |
| Palmetto | 1 | 0 | $524,900 | $524,900 |
| Marina Village Condo Ph I | 1 | 0 | $490,000 | $490,000 |
| Island Crossings | 1 | 0 | $489,999 | $489,999 |
| Glen Haven Subd Sec 2B | 1 | 0 | $489,900 | $489,900 |
Also with waterfront homes for sale
- Catalina Isle Estates Unit 2A (1)
- Island Cove Condo Ph 1 (1)
- Raintree-By-The-Lake (1)
- Catalina Isle Estates Unit 2 (1)
- Island Pointe Condo Ph 2 (1)
- Gateway Unit 2 Revised (1)
- Merritt Towers Condo Ph II (1)
- Merritt Towers (1)
- Merritt Towers Condo Ph III (1)
- Merritt Towers Condo Ph I (1)
- Osprey Village at Cedar Creek Ph II (1)
- Island Village Condo No B (1)
- Treasure Coast Harbour Villas Condo (1)
- Island Village Condo No C (1)
What waterfront ownership really costs
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
Common questions
How many waterfront homes are for sale in Merritt Island?
What do waterfront homes cost in Merritt Island?
Which Merritt Island community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
Keep exploring Merritt Island
- All homes for sale in Merritt Island
- Merritt Island ZIP codes with prices
- Merritt Island pool homes
- Merritt Island gated community homes
- Merritt Island 4-bedroom homes
- Merritt Island homes under $300K
- Merritt Island homes $300K–$500K
- Waterfront Homes in every city
Live data: Space Coast MLS, Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Merritt Island, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.