The top of the Brevard market is not one market. It splits into guard-gated barrier island estates, waterfront on Merritt Island and the lagoon, golf and country club communities in Suntree and Viera, and large-lot estate property west of I-95. What a buyer at this level is actually paying for differs completely between them, and so does what can go wrong.
Lansing Island in Indian Harbour Beach, with a three quarter acre minimum homesite and a single guarded bridge, and Tortoise Island in Satellite Beach, guard gated with every home on a canal or the Banana River.
Merritt Island holds the largest concentration of waterfront in the county. See Merritt Island waterfront and waterfront homes generally.
Baytree in Suntree and Fairway Lakes at Viera for gated golf, Charolais Estates and Windover Farms for larger lots.
At higher values, coastal exposure and older custom construction can make placement genuinely difficult rather than merely expensive. Start the insurance conversation during the inspection period, not the week of closing.
Seawall replacement, dock repair, lift service and boat storage are real annual and periodic numbers that do not appear anywhere in a listing. Price them before you decide what the house is worth.
Guard-gated and estate communities generally have real architectural review. If you plan to renovate, find out what the approval process is before you buy, because it can rule out the entire reason you wanted the property.
Sailboat access, no fixed bridge, direct ocean access. These get asserted constantly and they are frequently wrong for a specific dock. The route out has to be traced bridge by bridge from that dock.
Do not take the listing's word for it. Pull the parcel on FEMA's Flood Map Service Center and confirm with Brevard County Floodplain Administration at (321) 617-7340, which is the county's official repository for the flood maps. Brevard County flood zones explained. Then ask whether an elevation certificate exists, because an insurer quoting from the certificate often quotes differently than one quoting from the zone alone.
If you are buying from a long-time owner, their homestead cap comes off at the end of the closing year and the property is reassessed at market value. Budget from that number, not the one on the current tax bill. Brevard property taxes and Save Our Homes. At this price point that difference is not a rounding error.
See beachside homes, Merritt Island and Suntree.
Browse golf course homes and acreage properties.
See new construction across the county.
Thirty minute call, no pressure. At this level the insurance and the water access have to be verified first, and that is where we start.
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