Cocoa · Selling
Behind on mortgage payments in Cocoa
A local agent and a free HUD housing counselor first. Never a rushed cash sale.
Free · Agents who know Cocoa · Every step in one app
Cocoa includes the historic Cocoa Village district on the Indian 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
- The typical owner-occupied home in Cocoa is worth about $246,100, 28% below the Brevard County typical value. At about 6–8% total selling costs, that is roughly $14,800–$19,700 on a typical sale here; your own number depends on your price and mortgage.
- About 55% of homes in Cocoa 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.
- Court papers for probate, divorce and foreclosure cases in Cocoa 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.
- The City of Cocoa takes every building permit application online through its Citizenserve portal, and permits issued after March 1, 2021 can be searched there.
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. You always see what to do next, and your agent handles the how.
Cocoa in numbers
- The typical home here is valued at about $246,100, which is 28% lower than Brevard County as a whole ($339,600).
- About 55% 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.
- About 37% of homes here are rented, more than the county's 23%. Expect some buyers to be investors.
- Owners with a mortgage pay about $1,424 a month in housing costs, $150 more than typical rent ($1,274). Many of those owners bought years ago at lower prices, so today's buyers often pay more.
At a typical Cocoa price of about $245,000, Florida's deed tax is $1,715 and the owner's title policy is about $1,300. Typical value here is 3.9 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.