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640 N Atlantic Ave #3B, Cocoa Beach, FL, 32931

2beds
3baths
1,200sqft
$345,900
$288price/sqft
$2,379/moest. monthly cost
$95,160/yrincome needed

About This Home

BEACH WINDS TOWNHOME - Beautiful OCEAN FRONT Community! JUST STEPS FROM THE SAND & BEACH! 2 Bedrooms, 2.5 Baths, 1 Car Garage, Screened in Lanai, Private BALCONY w/ partial Ocean View, Open Floor Plan w/ Amazing Cross Breezes, LARGE BEDROOMS w/ HIS/HERS CLOSETS, Hurricane Rated IMPACT WINDOWS & DOORS that offer great NOISE REDUCTION plus Automatic Storm Shutters too. UPDATES INSIDE: New HVAC System, Kitchen w/ Natural Stone GRANITE Tops, Stainless Steel Appliances, DOUBLE OVEN w/ CONVECTION, Pantry Closet, RENOVATED BATHROOMS w/ New Vanity's, Toilets, Tub & GORGEOUS EnSuite Shower, NEW ELECTRICAL PANEL, Hot Water Heater, AC w/ Smart Thermostat, Newer Carpet & Tile Flooring, Textured Ceilings, Neutral Colors throughout & Added Attic Insulation. Amenities include: PRIVATE BEACH ACCESS, Heated Pool, REMODELED CLUBHOUSE w/ Full Kitchen, Tennis Courts, Shuffle Board, Car Wash Area AND EXCELLENT LOCATION! Easy walk to Shops, Restaurants & Downtown Cocoa Beach. YOUR PARADISE AWAITS!! UPDATES: New HVAC (2025), Hall Bathroom upstairs (2024) - Primary Bathroom, Electrical Panel, pre-wired for tankless (2023) - Hot Water Heater (2020) - Flooring Carpeting & Tile, Baseboards, Textured Ceilings, Hurricane Rated Front Entry Door & Side Window (2018) - Range/Double Oven w/ Convection (2017) - Hurricane Rated Windows & Sliders (2013) - Additional attic insulation (2009)

Getting Around

68
WalkingSomewhat Walkable
0
TransitVery Limited Transit
55
BikeBikeable

Schools

Construction

Condition

  • Year built: 1979

Materials

  • Construction materials: Concrete,Stucco

Type & Style

  • Home type: Townhouse
  • Architectural style: Contemporary
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher,Dryer,Electric Oven,Electric Range,Electric Water Heater,Microwave,Refrigerator,Washer
  • Laundry features: In Unit

Bedroom2

  • Level: Second
  • Area: 164.72
  • Dimensions: 14.20 x 11.60

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Breakfast Bar,Ceiling Fan(s),Entrance Foyer,His and Hers Closets,Open Floorplan,Pantry,Primary Bathroom - Shower No Tub,Split Bedrooms,Walk-In Closet(s)

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,200 sqft

Kitchen

  • Level: Main
  • Area: 129.56
  • Dimensions: 15.80 x 8.20

Living Room

  • Level: Main
  • Area: 366
  • Dimensions: 24.40 x 15.00

Master Bedroom

  • Level: Second
  • Area: 181.04
  • Dimensions: 14.60 x 12.40

Property

Accessibility

  • Accessibility features: Accessible Common Area,Accessible Entrance,Central Living Area

Details

  • Parcel number: 253710Cz00000.0006s.03
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Porch,Rear Porch,Screened,Terrace
  • Exterior features: Balcony,Tennis Court(s),Impact Windows,Storm Shutters
  • Has view: Yes
  • View description: Beach,Ocean,Pool
  • Has water view: Yes
  • Water view: Beach,Ocean
  • On waterfront: Yes
  • Waterfront features: Ocean Access,Ocean Front
  • Waterbody name: Atlantic Ocean

Lot

  • Lot size: 3,920 sqft
  • Features: Sprinklers In Front,Sprinklers In Rear

Parking

  • Total spaces: 1
  • Parking features: Additional Parking,Assigned,Detached,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Lightning
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Strong Wind
Tornado
Tsunami

FEMA Declared Disasters in Brevard County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
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 $1,749$20,988
Home Insurance *$70$840
Property Taxes $363$4,356
Electricity $197$2,366
Total$2,379$28,548
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$81,565/yr
40% on housing$71,370/yr
45% on housing$63,440/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: 13.8%
13.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.8%
4.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$288This listing

vs Other Active Listings

Avg $/sqft

ZIP 32931$281
Brevard County$192

vs Homes Sold Last Month

Median $/sqft

ZIP 32931$390
Brevard County$209

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
2026-02-08Listed for sale$345,900
2025-05-01Listing removed$2,350
2025-04-11Listed for rent$2,350
2008-05-20Sold$140,000
1993-08-04Sold$72,000

For Sale by Agent

AgentRick Silva
BrokerageKeller Williams Space Coast

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