Cocoa Beach · Selling
Behind on mortgage payments in Cocoa Beach
A local agent and a free HUD housing counselor first. Never a rushed cash sale.
Free · Agents who know Cocoa Beach · Every step in one app
Cocoa Beach is on the barrier island, between the Atlantic Ocean and the Banana River.
Falling behind on your mortgage can feel frightening and lonely. The letters, the calls and the worry about losing your home can make it hard to sleep or even open the mail. Many people who end up here did nothing wrong: a job loss, an illness, a divorce or a big repair can knock anyone off balance.
Read the full guide: behind on mortgage payments, step by step →
What this means in Cocoa Beach
- The typical owner-occupied home in Cocoa Beach is worth about $503,200, 48% above the Brevard County typical value. At about 6–8% total selling costs, that is roughly $30,200–$40,300 on a typical sale here; your own number depends on your price and mortgage.
- About 62% of homes in Cocoa Beach were built before 1980. Older Florida homes often need a 4-point inspection (roof, electrical, plumbing, heating and cooling) before an insurer will cover them, so having one done early can stop surprises after you accept an offer.
- Cocoa Beach is on the barrier island, so flood zones and wind insurance weigh more here than on the mainland. Florida law now requires sellers to tell buyers about past flood claims and flood damage (section 689.302), and buyers should ask for flood insurance quotes before the inspection period ends.
- Court papers for probate, divorce and foreclosure cases in Cocoa Beach are filed with the Brevard County Clerk of the Circuit Court, which has offices in Viera, Titusville, Melbourne, Palm Bay and Merritt Island. Recorded deeds and the property's sale history are on the Brevard County Property Appraiser site.
- To look up a home's flood zone in Cocoa Beach, use FEMA Flood Map Service Center (search by address). A home's flood zone decides whether a lender requires flood insurance.
- Every vacation rental in Cocoa Beach must register with the city: first a vacation rental business tax receipt, then the vacation rental registration, with a fee.
What’s different for you
- Talk to a free HUD housing counselor. They help you understand every option before you decide anything.
- Meet a local agent. If selling is the right answer, they plan it around your dates.
- Never a rushed cash sale. CloseHive does not run cash offer rounds for homes behind on payments.
When you start in CloseHive from this page, your plan already includes these steps, along with the usual ones for selling in Cocoa Beach. You always see what to do next, and your agent handles the how.
Cocoa Beach in numbers
- The typical home here is valued at about $503,200, which is 48% higher than Brevard County as a whole ($339,600).
- About 62% of homes were built before 1980. Many insurance companies ask for a 4-point inspection (roof, electrical, plumbing, heating and air) on older homes, so plan for it early.
- 79% of homes are lived in by their owners, close to the county's 77%.
- Homes on the barrier island usually cost more to insure for wind and flood. Get insurance quotes before your inspection period ends.
- Owners with a mortgage pay about $2,312 a month in housing costs, $743 more than typical rent ($1,569). Many of those owners bought years ago at lower prices, so today's buyers often pay more.
At a typical Cocoa Beach price of about $505,000, Florida's deed tax is $3,535 and the owner's title policy is about $2,600. Typical value here is 5.7 times the typical household income, compared with 4.3 for the county.
Questions people ask
Where do I find a HUD housing counselor?
Search “HUD approved housing counseling” on hud.gov; the help is free.