What is the 2026 conforming loan limit in Brevard County, Florida?

The 2026 conforming loan limit for a one-unit home is $832,750 in most of the country, and Florida Realtors reports Monroe County is the only Florida county above it. That puts Brevard County, FL at the …

What is a notice of commencement in Brevard County, Florida?

A notice of commencement is a formal notice an owner records with the county clerk before construction begins on a Florida property. It tells contractors, suppliers, and lenders who the owner is, what work is planned, and …

What is it like to live near Merritt Island National Wildlife Refuge in Merritt Island, FL?

Merritt Island National Wildlife Refuge covers about 140,000 acres next to Kennedy Space Center, so Merritt Island, Florida buyers get wildlife, birding, and open space on their doorstep in Brevard County.

How much attic insulation does a Space Coast home need?

The U.S. Department of Energy recommends R30 to R49 for an uninsulated attic in Climate Zone 1 and R49 to R60 in Zone 2. The Florida Building Code sets lower minimums for new construction in Brevard County, …

Is a hip roof better than a gable roof in Brevard County, Florida?

Research from the Insurance Institute for Business and Home Safety found hip roofs were damaged less often than gable roofs in Hurricane Harvey. Florida's wind mitigation form also treats roof shape as its own …

Does Brevard County get a flood insurance discount?

Yes, in part. Unincorporated Brevard County, Florida takes part in FEMA's Community Rating System (CRS), which can lower flood insurance premiums on the Space Coast. Your address decides what applies.

Most Space Coast buyers learn about flood insurance …

When is lovebug season on Florida's Space Coast?

Lovebugs fly in two peaks each year across Florida, including Brevard County: April to May and August to September, according to the University of Florida. They are a nuisance for cars, not a reason to skip a Space Coast …

Merritt Island sellers often ask when the "right" month to list is. The honest answer is that timing matters, but your home's condition, price, and presentation matter more. Still, a few local patterns can help you plan, especially on an island where waterfront, canal, and inland homes can behave …

Merritt Island is really two housing markets, and September showed exactly where they split. Waterfront sellers closed at a median 87% of their original asking price. Off-water sellers got about 95%.

Both markets moved, 57 closings in all. But if you're pricing or shopping on Merritt Island, the …

How do you protect a Space Coast landscape from a freeze?

Cover tender plants when temperatures reach 32 degrees or lower, water a day or two ahead, and turn off irrigation before the freeze, according to UF/IFAS Extension Brevard County.

Florida's reputation for warm weather is …