Cocoa Beach · Selling
Selling after hurricane or flood damage in Cocoa Beach
What you must tell buyers about flooding, your insurance claim, and repair-or-sell-as-is in plain words.
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.
If a hurricane or a flood has hit your home, you may be living with a tarp on the roof, fans in the hallway, or a claim that seems to move very slowly. Many people in your spot feel tired and unsure. They wonder if anyone will want the home now, and if they will lose money no matter what they do.
Read the full guide: selling after hurricane or flood damage, 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.
- Cocoa Beach is a city, so its own office handles this: building permits for repairs, roofs, additions and new homes go through City of Cocoa Beach Building Division (Development Services). Open or missing permits can delay a closing, so checking them early saves time.
- 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
- Answer the three flood questions. Florida asks sellers about flood damage, flood insurance claims and flood help such as FEMA aid, before the contract is signed.
- Share other known problems. Florida sellers must disclose known hidden problems that affect value.
- Agree on repairs or a credit. Put in writing who repairs what, and what happens to open insurance claims.
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
Do I have to tell buyers about past flooding?
Florida’s flood disclosure law asks sellers about flood damage, flood claims and flood help they received; your agent adds your answers to your disclosures.