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1825 Cobia Dr APT 103H, Vero Beach, FL, 32960

1beds
1baths
650sqft
$315,000
$485price/sqft
$2,111/moest. monthly cost
$84,440/yrincome needed

About This Home

Waterfront pied-à-terre with assigned dock w/intercoastal access! Completely reimagined & offered turnkey, this beautifully renovated first-floor residence showcases stunning water views, abundant natural light, & coastal-inspired finishes throughout. Features include custom cabinetry, granite countertops, plank tile flooring, custom closet systems, new electrical & plumbing, tankless water heater, water filtration system & A/C. Tons of storage! Enjoy the convenience of an assigned dock w/ water & electric service, plus a community pool just steps away. Close to beaches and shopping.

Getting Around

38
WalkingCar-Dependent
0
TransitVery Limited Transit
60
BikeBikeable

Schools

7/10
7/10
Gifford Middle SchoolGrades 6-83.6 mi
5/10
Vero Beach High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 1974

Materials

  • Roof: Shingle
  • Construction materials: Block,Concrete

Type & Style

  • Home type: Condo
  • Architectural style: Two Story
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Wine Cooler,Water Purifier
  • Laundry features: Outside

Bedroom

  • Dimensions: 14x10

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Closet Cabinetry,Kitchen Island,Walk-In Closet(s)
  • Window features: Window Treatments
  • Flooring: Tile

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 650 sqft

Kitchen

  • Dimensions: 13x11

Living Room

  • Dimensions: 13x11

Other

  • Dimensions: 9x4

Property

Details

  • Parcel number: 33400600004000800103.0
  • Attached to another structure: Yes
  • Zoning: ,
  • Zoning description: Residential
  • Other equipment: Satellite Dish

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Pool,Community
  • Exterior features: None
  • Has view: Yes
  • View description: Canal
  • Has water view: Yes
  • Water view: Canal
  • On waterfront: Yes
  • Waterfront features: Canal Access,Intracoastal Access
  • Living area range: 601-800

Lot

  • Features: Other

Parking

  • Parking features: Unassigned

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Coastal Flooding
    Coastal FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Lightning
Strong Wind
Tsunami

FEMA Declared Disasters in Indian River County and Florida

Flood
Hurricane
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,592$19,104
Home Insurance *$136$1,632
Property Taxes $186$2,232
Electricity $197$2,366
Total$2,111$25,332
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,377/yr
40% on housing$63,330/yr
45% on housing$56,293/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.3%
13.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$485This listing

vs Other Active Listings

Avg $/sqft

ZIP 32960$169
Indian River County$316

vs Homes Sold Last Month

Median $/sqft

ZIP 32960$242
Indian River County$239

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-05Price change$299,900
2026-07-22Price change$315,000
2026-06-23Listed for sale$325,000
2026-06-16Price change$2,300
2026-06-02Price change$2,400
2026-05-12Listed for rent$2,500
2026-05-05Listing removed$2,000
2026-04-08Price change$2,000
2026-04-03Listed for rent$2,500

For Sale by Agent

AgentJanyne F Kenworthy
BrokerageOne Sotheby's Int'l Realty

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