Cocoa · Selling
Selling after hurricane or flood damage in Cocoa
What you must tell buyers about flooding, your insurance claim, and repair-or-sell-as-is in plain words.
Free · Agents who know Cocoa · Every step in one app
Cocoa includes the historic Cocoa Village district on the Indian 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
- 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.
- Cocoa is a city, so its own office handles this: building permits for repairs, roofs, additions and new homes go through City of Cocoa Building & Permitting. Open or missing permits can delay a closing, so checking them early saves time.
- To look up a home's flood zone in Cocoa, use FEMA Flood Map Service Center (search by address). A home's flood zone decides whether a lender requires flood insurance.
- 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
- 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. 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
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.