🏢 For buyers
Cocoa Beach condo flood zones,building by building
We looked up FEMA’s flood zone for 121 Cocoa Beach condo buildings — 11 of them sit in VE, the coastal high-hazard zone where waves ride on top of the flood and insurance costs the most. Every other source tells you to go read FEMA’s map yourself. Here is the answer.
Zones read from FEMA’s National Flood Hazard Layer. Listing counts and prices come from the Space Coast MLS. Updated 2026-09-20.
Educational guide, not legal, tax, or lending advice. Figures are typical for our Florida markets — programs, rates, and rules change, so verify current numbers with your lender, title company, or county.
What the table says
96
buildings — Outside the high-risk floodplain. Flood insurance is optional and usually cheapest here — worth carrying anyway on a barrier island.
11
buildings — Coastal high-hazard: waves on top of the flood. Lenders require flood insurance, and premiums are the highest of any zone.
7
buildings — High risk — a 1% chance of flooding in any year. Federally backed mortgages require flood insurance here.
7
buildings — High risk — a 1% chance of flooding in any year. Federally backed mortgages require flood insurance here.
78 of these parcels straddle a zone line. A beachfront building can sit in X at its front door and VE fifty metres east — which is why we show every zone the parcel touches instead of picking one. Where they differ, the unit’s own elevation certificate decides the premium, not the building’s address.
Every building we track
| Building | FEMA zone | Base flood elev. | On the market | Last sale |
|---|---|---|---|---|
Triton Arms Apt Condo 1 N 1st Street | VE parcel also touches X | 10 ft | none listed | $350,0002025-07-15 · 2 sold |
Boardwalk Condo 15 N Atlantic Avenue | VE parcel also touches X | 10 ft | 1 for sale$625,000 | $655,0002026-09-10 · 5 sold |
The Surf at Cocoa Beach 65 N Atlantic Avenue | VE parcel also touches X | 10 ft | 2 for sale$2,149,000–$2,485,000 | $1,062,0002026-02-06 · 26 sold |
Ocean Terraces Condo 209 N Atlantic Avenue | VE parcel also touches X | 10 ft | none listed | $1,275,0002026-04-17 · 2 sold |
The Wavecrest Condo 1835 S Atlantic Avenue | VE parcel also touches X | 10 ft | 2 for sale$850,000–$879,900 | — |
The Ocean Cove Condo 2375 S Atlantic Avenue | VE parcel also touches X | 11 ft | none listed | $725,0002026-04-27 · 3 sold |
Riomar Condo 2485 S Atlantic Avenue | VE parcel also touches X | 11 ft | 1 for sale$1,399,000 | $1,140,0002026-05-21 · 1 sold |
Casa Playa Condo 3031 S Atlantic Avenue | VE parcel also touches X | 11 ft | 1 for sale$490,000 | $427,0002026-03-16 · 1 sold |
The Constellation Condo 3219 S Atlantic Avenue | VE parcel also touches X | 11 ft | none listed | $950,0002026-07-10 · 2 sold |
The Constellation Condo 3221 S Atlantic Avenue | VE parcel also touches X | 11 ft | none listed | $952,2502026-04-30 · 2 sold |
None 3375 S Atlantic Avenue | VE parcel also touches X | 11 ft | none listed | $380,0002025-11-03 · 3 sold |
Sunset Island 103 Sunset Drive | AE parcel also touches X | 3 ft | none listed | $2,395,0002026-06-30 · 2 sold |
Riverwest Condo Ph II 190 Escambia Lane | AE parcel also touches X | 4 ft | 1 for sale$324,900 | $287,0002026-07-20 · 2 sold |
Convair Cove 492 Dempsey Drive | AE parcel also touches X | 3 ft | none listed | $1,262,5002026-06-29 · 2 sold |
Harbor Isles Condo Ph VIII 580 S Brevard Avenue | AE parcel also touches X | 3 ft | 1 for sale$325,000 | $350,0002026-06-02 · 2 sold |
River Lakes Condo Ph I Bldg 760 760 S Brevard Avenue | AE parcel also touches X | 3 ft | 1 for sale$399,000 | $225,0002026-05-07 · 5 sold |
The Anchorage A Condominium 1611 Minutemen Causeway | AE parcel also touches X | 3 ft | none listed | $385,0002025-05-06 · 2 sold |
The 4 Seasons Condo Ph X 3799 S Banana River Boulevard | AE parcel also touches OPEN WATER | 5 ft | none listed | $430,0002025-11-07 · 2 sold |
Crossway Beach Apts Condo 4000 Ocean Beach Boulevard | AO parcel also touches VE, X | — | 1 for sale$375,000 | $315,0002025-07-22 · 3 sold |
The Sea Oats Condo Ph II 4570 Ocean Beach Boulevard | AO parcel also touches VE, X | — | none listed | $485,0002026-05-05 · 3 sold |
Kaia Residence 4620 Ocean Beach Boulevard | AO parcel also touches VE, X | — | 15 for sale$1,675,000–$3,450,000 | — |
Villa Vista Condo 4700 Ocean Beach Boulevard | AO parcel also touches VE, X | — | 1 for sale$334,900 | $268,5002026-01-29 · 7 sold |
Atlantique Condo Apts 4800 Ocean Beach Boulevard | AO parcel also touches X | — | 4 for sale$229,000–$339,500 | $265,0002026-09-09 · 5 sold |
Townhomes of Villas By The Sea Condo 5201 Ocean Beach Boulevard | AO parcel also touches X | — | none listed | $385,0002026-04-27 · 3 sold |
Ola Grande Condo 5350 Ocean Beach Boulevard | AO parcel also touches VE, X | — | 1 for sale$449,900 | $430,0002025-11-14 · 1 sold |
The Fairways Apt Condo 5 Fairway Drive | X parcel also touches AE | — | 2 for sale$213,000–$339,000 | — |
Spanish Main Apts Condo Addn I 10 Sunflower Street | X | — | none listed | $595,0002026-07-20 · 4 sold |
Marlin Apt Condo 22 Tulip Avenue | X parcel also touches VE | — | none listed | $165,0002026-08-25 · 3 sold |
Ocean Pines Condo 55 N 4th Street | X parcel also touches VE | — | 1 for sale$529,000 | $585,0002026-06-22 · 2 sold |
Park Place Condo 85 S Atlantic Avenue | X parcel also touches VE | — | none listed | $1,100,0002026-08-10 · 2 sold |
Cocoa Isles 7th Addn 116 Jamaica Drive | X parcel also touches AE | — | 1 for sale$1,520,000 | $626,0002025-03-21 · 1 sold |
River Isles Addn 1 119 Aucila Road | X parcel also touches AE | — | none listed | $2,425,0002026-06-26 · 2 sold |
Pier Resort Condo Ph I and II 125 Pulsipher Avenue | X parcel also touches AO | — | none listed | $450,0002026-04-28 · 2 sold |
Avon By The Sea 131 Harding Avenue 131 & | X parcel also touches AO | — | none listed | $820,0002026-03-13 · 2 sold |
None 133 N Orlando Avenue | X | — | none listed | $680,0002025-11-07 · 2 sold |
Diamond Bay Condo 188 Pinellas Lane | X parcel also touches AE | — | 1 for sale$597,500 | $465,0002026-02-25 · 1 sold |
Diamond Bay Condo 190 Pinellas Lane | X parcel also touches AE | — | none listed | $399,0002026-02-18 · 2 sold |
Garden Bay Condominium 191 Seminole Lane | X parcel also touches AE | — | 1 for sale$720,000 | $650,0002025-04-23 · 1 sold |
Banana Bay Condo Ph IV V VI VII 200 S Banana River Boulevard | X | — | none listed | $285,0002025-06-30 · 2 sold |
Banana Bay Condo Ph XXIII 200 S Banana River Boulevard | X parcel also touches AE | — | 2 for sale$349,900–$450,000 | $280,0002025-11-14 · 2 sold |
Riverview Manor Condo Ph II 200 Saint Lucie Lane | X | — | 1 for sale$220,000 | $220,5002026-09-11 · 2 sold |
Riverview Manor Condo Ph IV 200 Saint Lucie Lane | X | — | 2 for sale$170,000–$228,000 | — |
St Lucie Gardens Condo Begonia Addn 201 Saint Lucie Lane | X | — | none listed | $220,0002025-12-29 · 2 sold |
Cocoa Ocean Beach Subd 201 Saint Lucie Lane | X | — | 1 for sale$269,000 | $225,0002026-08-03 · 1 sold |
Crescent Palms Condo 210 24th Street | X parcel also touches AE | — | 1 for sale$699,900 | $775,0002025-03-11 · 1 sold |
Ocean Oasis Condo 225 N Atlantic Avenue | X parcel also touches VE | — | 1 for sale$2,600,000 | $787,5002025-11-17 · 2 sold |
Woodland Avenue Condominium 236 Woodland Avenue | X | — | 1 for sale$230,000 | $226,0002026-08-05 · 2 sold |
The Sands Condo 299 N Atlantic Avenue | X parcel also touches VE | — | 2 for sale$525,000–$550,000 | $499,0002025-10-13 · 1 sold |
Colonial House Condo 300 S Banana River Boulevard | X parcel also touches AE | — | none listed | $345,0002026-08-26 · 2 sold |
Palmas De Majorca 301 N Atlantic Avenue | X parcel also touches VE | — | none listed | $775,0002025-09-19 · 2 sold |
Avon By The Sea 327 Wilson Avenue | X parcel also touches AO | — | 14 for sale$765,000–$1,599,000 | — |
Venetian Way Sec 2 345 Dorset Drive | X | — | none listed | $600,0002026-05-11 · 2 sold |
Cocoa Isles 8th Addn 375 Cyprus Drive | X | — | 1 for sale$775,000 | $445,0002025-06-23 · 1 sold |
The Wellington Condo 383 N Atlantic Avenue | X | — | 1 for sale$389,900 | $305,0002025-11-03 · 2 sold |
Ocean Club A Condominium 410 Hayes Avenue | X parcel also touches AO | — | 3 for sale$650,000–$860,000 | — |
Venetian Way Sec 3 427 Brightwaters Drive | X parcel also touches AE | — | none listed | $1,400,0002026-07-01 · 2 sold |
Highland House Condo Apts Ph IV 500 Catalina Road | X | — | none listed | $165,0002026-05-29 · 2 sold |
Harbor Isles Condo Ph III 530 S Brevard Avenue | X parcel also touches AE | — | none listed | $315,0002026-02-05 · 2 sold |
Harbor Isles Condo Ph IV 540 S Brevard Avenue | X parcel also touches AE | — | 1 for sale$375,000 | $300,0002026-07-08 · 3 sold |
Las Palmas Apts Condo 545 Garfield Avenue | X parcel also touches AO | — | 1 for sale$769,000 | $635,0002026-04-30 · 4 sold |
Harbor Isles Condo Ph VI 560 S Brevard Avenue | X parcel also touches AE | — | none listed | $215,0002026-06-25 · 2 sold |
Harbor Isles II Ph II 610 S Brevard Avenue | X | — | none listed | $330,0002025-07-28 · 2 sold |
Harbor Isles Condo Ph XI 630 S Brevard Avenue | X parcel also touches AE | — | none listed | $305,5002026-07-31 · 3 sold |
Beach Winds Condo Ph III 640 N Atlantic Avenue | X | — | 2 for sale$334,900 | — |
Beach Winds Condo Ph I 650 N Atlantic Avenue | X | — | none listed | $328,0002026-08-14 · 3 sold |
Beach Winds Condo Ph II 650 N Atlantic Avenue | X | — | none listed | $445,0002025-08-27 · 2 sold |
Harbor Isles II Ph III 660 S Brevard Avenue | X parcel also touches AE | — | 1 for sale$350,000 | $306,0002026-07-13 · 2 sold |
Oceana of Cocoa Beach Condo 744 S Orlando Avenue | X | — | none listed | $300,0002025-04-17 · 2 sold |
Oceana of Cocoa Beach Condo 746 S Orlando Avenue | X | — | none listed | $281,0002025-06-27 · 2 sold |
Xanadu Condo 750 N Atlantic Avenue | X | — | 3 for sale$589,900–$1,099,000 | $565,0002026-07-30 · 9 sold |
River Lakes Condo Ph III Bldg 800 800 S Brevard Avenue | X parcel also touches AE | — | none listed | $325,0002026-07-15 · 2 sold |
Ocean Sands Condo 821 S Orlando Avenue | X | — | none listed | $385,0002025-03-18 · 2 sold |
Stonewood Towers Condo Ph I and Ph II 830 N Atlantic Avenue | X | — | none listed | $750,0002026-04-10 · 4 sold |
Sandcastles Condo 1000 N Atlantic Avenue | X | — | 2 for sale$514,000–$599,000 | $450,0002026-06-23 · 3 sold |
Sand Castle Condo 1050 N Atlantic Avenue | X | — | 1 for sale$515,000 | $560,0002024-11-08 · 1 sold |
Sandcastles Condo 1050 N Atlantic Avenue | X | — | 2 for sale$559,900–$599,999 | $454,0002026-05-21 · 1 sold |
Ocean Breeze Homes Condo 1155 S Atlantic Avenue | X parcel also touches VE | — | 1 for sale$365,000 | $1,250,0002026-07-10 · 1 sold |
Hacienda Del Mar Condo 1305 S Atlantic Avenue | X parcel also touches VE | — | 1 for sale$509,000 | $502,0002026-08-21 · 7 sold |
Sun Club Condo 1515 S Atlantic Avenue | X parcel also touches VE | — | none listed | $580,0002025-07-08 · 2 sold |
River Club Condo 1525 Minutemen Causeway | X parcel also touches AE | — | none listed | $345,0002026-07-17 · 3 sold |
Jamaica Cove Condo 1595 N Atlantic Avenue | X parcel also touches AE | — | 2 for sale$338,000–$489,918 | — |
The Commodore Condo Ph I 1700 Commodore Boulevard | X parcel also touches AE | — | 1 for sale$339,000 | $350,0002026-09-01 · 1 sold |
Port Royal Condo 1700 N Atlantic Avenue | X | — | 3 for sale$300,000–$420,000 | $338,0002026-06-30 · 2 sold |
Seville Condo Residences of Cocoa Bch 1700 S Atlantic Avenue | X | — | none listed | $225,0002026-05-22 · 2 sold |
Spanish Trace Village Condo 1727 Minutemen Causeway | X parcel also touches AE | — | none listed | $270,0002026-04-06 · 2 sold |
The Commodore Condo Ph II 1750 Commodore Boulevard | X parcel also touches AE | — | none listed | $205,0002026-09-11 · 2 sold |
Royale Towers Condo Ph III 1830 N Atlantic Avenue | X | — | none listed | $475,0002026-04-23 · 3 sold |
Royale Towers Condo Ph II 1860 N Atlantic Avenue | X parcel also touches VE | — | 1 for sale$475,000 | $699,0002024-11-14 · 1 sold |
Magnolia Bay Condo Ph I 2001 Julep Drive | X parcel also touches AE | — | 1 for sale$785,000 | $765,0002026-08-25 · 2 sold |
Twin Towers Condo 2020 N Atlantic Avenue | X | — | 6 for sale$178,000–$325,000 | $285,0002026-09-15 · 15 sold |
Burchfiel and Bruners Addn To Crescent Beach Resu 2021 S Orlando Avenue | X | — | none listed | $1,875,0002026-05-01 · 2 sold |
Magnolia Bay Condo Ph III 2022 Julep Drive | X parcel also touches AE | — | 2 for sale$685,000–$750,000 | $700,0002026-07-20 · 3 sold |
Summerwind Condo of Cocoa Beach 2090 N Atlantic Avenue | X | — | 2 for sale$249,800–$465,000 | $385,0002025-08-12 · 1 sold |
2100 Towers Condo 2100 N Atlantic Avenue | X | — | 4 for sale$349,000–$579,000 | $505,0002026-08-04 · 4 sold |
Carlyle Condominium of Crescent Beach 2465 S Atlantic Avenue | X parcel also touches VE | — | 2 for sale$1,050,000–$1,400,000 | $1,250,0002026-08-14 · 1 sold |
Beach Villas Condo 2625 S Atlantic Avenue | X parcel also touches VE | — | 1 for sale$299,000 | $287,5002025-12-29 · 1 sold |
Waters Edge Apts Condo 2815 S Atlantic Avenue | X parcel also touches VE | — | 1 for sale$685,000 | $645,0002026-09-18 · 10 sold |
River Place Condo 2880 S Atlantic Avenue | X parcel also touches AE | — | none listed | $330,0002026-05-20 · 2 sold |
Windward E Condo Ph I 3060 N Atlantic Avenue | X | — | 4 for sale$412,900–$569,000 | $200,0002026-08-12 · 6 sold |
River Villa Condo 3100 S Atlantic Avenue | X parcel also touches AE | — | 1 for sale$299,000 | $310,0002026-02-05 · 1 sold |
Windrush Condo 3170 N Atlantic Avenue | X | — | 2 for sale$559,000–$634,900 | $475,0002026-04-27 · 9 sold |
Saturn Condo 3190 N Atlantic Avenue | X | — | 1 for sale$245,000 | $200,0002026-05-29 · 6 sold |
River Bend Condo 3360 S Atlantic Avenue | X parcel also touches AE | — | 1 for sale$450,000 | $450,0002026-08-10 · 4 sold |
Emerald Seas 3400 Ocean Beach Boulevard | X parcel also touches AO, VE | — | none listed | $1,255,0002026-07-21 · 5 sold |
Emerald Seas 3450 Ocean Beach Boulevard | X parcel also touches AO, VE | — | none listed | $675,0002026-07-31 · 4 sold |
Buena Vista Oceanfront Condo Apts 3620 Ocean Beach Boulevard | X parcel also touches VE | — | none listed | $282,0002026-04-14 · 4 sold |
Majestic Seas Condo 3740 Ocean Beach Boulevard | X parcel also touches AO, VE | — | 2 for sale$750,000–$849,900 | $635,0002026-07-31 · 7 sold |
The 4 Seasons Condo Ph VII 3799 S Banana River Boulevard | X | — | none listed | $285,0002026-06-24 · 3 sold |
The 4 Seasons Condo Ph IV 3799 S Banana River Boulevard | X | — | none listed | $305,0002025-05-23 · 2 sold |
The 4 Seasons Condo Ph II 3799 S Banana River Boulevard | X | — | none listed | $245,0002025-10-15 · 2 sold |
The Four Seasons Condo 3799 S Banana River Boulevard | X | — | 4 for sale$285,000–$359,900 | $202,5002026-06-30 · 4 sold |
The 4 Seasons Condo Ph VIII 3799 S Banana River Boulevard | X | — | none listed | $335,0002026-09-15 · 2 sold |
Cocoa Ocean Beach Subd 3799 S Banana River Boulevard | X | — | 2 for sale$275,000–$299,900 | — |
Dolphin Beach Apts Condo 3820 Ocean Beach Boulevard | X | — | none listed | $183,0002025-11-05 · 3 sold |
Pebble Cove Condo 3833 S Banana River Boulevard | X | — | 1 for sale$361,000 | $260,0002026-04-17 · 2 sold |
Sunset Harbor Condo 3873 S Banana River Boulevard | X parcel also touches AE | — | none listed | $375,0002026-06-11 · 4 sold |
Conquistador Condo 4100 Ocean Beach Boulevard | X parcel also touches AO | — | none listed | $325,0002026-08-31 · 5 sold |
Driftwood Villas of Cocoa Beach Condo 4600 Ocean Beach Boulevard | X parcel also touches AO, VE | — | 1 for sale$450,000 | $406,8002026-03-20 · 2 sold |
The Mark Condo 4850 Ocean Beach Boulevard | X parcel also touches AO | — | 1 for sale$434,900 | $380,0002026-01-16 · 5 sold |
Cocoa Beach Club Condo 5200 Ocean Beach Boulevard | X parcel also touches AO, VE | — | 1 for sale$299,900 | $430,0002026-07-31 · 5 sold |
Windward Apts Condo 5600 N Banana River Boulevard | X | — | 3 for sale$159,900–$179,000 | $130,0002026-02-27 · 4 sold |
Buildings appear once we have at least two MLS listings for them in the past two years, which is what lets us place the building accurately. Looking for one that is missing, or want the elevation certificate for a specific unit? Ask us.
What this does to your costs
VE — the expensive one
Waves on top of the flood. Lenders require flood insurance, and on a condo the association’s master policy covers the building while your unit policy covers what is inside. Ask for the master policy’s deductible before you write an offer — on a barrier island it is often the number that bites.
AE — high risk, no waves
Still the 1%-annual-chance floodplain and still required by federally backed lenders, but priced below VE. The base flood elevation in the table is what your unit’s floor height is measured against.
X — optional, not impossible
Outside the high-risk floodplain, so no lender requirement and the cheapest premiums. Roughly a quarter of all flood claims come from X zones, and this is a sandbar — most owners here carry it anyway.
Flood zone is one input. A current elevation certificate, the building’s age and its master policy move the premium as much as the letter does. See our full flood-zone guide for how the pieces fit together, or the insurance guide for what Florida coverage actually costs.
Frequently asked questions
Which Cocoa Beach condo buildings are in a VE flood zone?
The oceanfront ones, mostly — VE is the coastal high-hazard zone where FEMA expects breaking waves on top of the flood, and on a barrier island it hugs the beach. The table on this page lists every Cocoa Beach condo building we track with its own zone, read from FEMA’s National Flood Hazard Layer rather than guessed from the map colour.
What is the difference between VE and AE for a condo?
Both are high-risk zones where a federally backed lender must require flood insurance. VE adds wave action, which is why its premiums run highest of any zone. AE is the same 1%-annual-chance floodplain without the wave hazard, and is priced below VE. On a condo, the association’s master policy covers the structure while your own policy covers the interior — so ask for the master policy and its deductible early.
Can one condo building be in two flood zones?
Yes, and on the beach it is common. FEMA maps zones as polygons on the ground, not by address, so a parcel can sit in X at the street and VE fifty metres east. Where that happens we show every zone the parcel touches. What settles the premium for a particular unit is its elevation certificate, not the building’s address.
Does a flood zone change what I can borrow?
Not the loan amount, but it changes the monthly payment your lender qualifies you on: in A or V zones flood insurance is mandatory with a federally backed mortgage, so the premium lands in your escrow alongside taxes and the condo fee. Buyers who budget for the mortgage alone are the ones who get surprised late in a Cocoa Beach deal.
How current is this flood zone data?
The zones come straight from FEMA’s published National Flood Hazard Layer, which changes on a years-long cycle when maps are formally revised. The listing counts and prices beside each building refresh from the Space Coast MLS every hour. For a specific unit, always confirm with a current elevation certificate.
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