1317 Moss Ln · Cocoa, FL 32922

$214,900

3 bd · 2.0 ba · 1,180 sqft · SingleFamily public records · 41 Days on market

Built 1965 10,019 sqft lot ↓ 14% since listing

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Why this score? — see what drove the D grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +13.8/30.0
• ARV discount +7.5/15.0
• Schools +4.7/10.0
• DSCR +4.2/10.0
• Livability +3.6/5.0
• Rent growth +3.5/5.0
• 1% rule +2.7/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Discover this charming block-built home, well maintained by its original owner, nestled on an oversized corner lot. Surrounded by mature trees with irrigation, lush landscaping, fully gated, with security camera monitoring, this property offers both privacy and character, just minutes away from the historic Cocoa Village and the scenic Indian River. Enjoy the benefits of a newer roof (2024), a new AC system, and a new water heater, ensuring comfort and peace of mind. The fairly open interior design provides ample space for your creativity and relaxation. With no HOA, this home presents a unique opportunity for both short-term and long-term rentals. Plus, you'll have quick access to I-95, making trips to the beautiful beaches or the airport a breeze. Embrace a lifestyle of convenience and tranquility in this delightful home!

Key facts

• Fully fenced
• Mature shade trees
• Largest lot

Tags

• LARGEST LOT
• FULLY FENCED
• MATURE SHADE TREES
• OPEN-CONCEPT LAYOUT
• LARGE TRIPLE FRONT WINDOW
• VERSATILE BONUS FLEX SPACE

Property features AI

Finance

• Other: Homestead exemption indicated; Zoned RU-1-7
• HOA & community: No HOA association indicated

Exterior

• Parking: Carport with 1 space
• Utilities: Public water; Public sewer; Electricity connected; Cable available
• Home design: Single family residence; One story; North-facing
• Construction: Concrete construction; Shingle roof; Slab foundation; Built on a 0.23-acre lot
• Exterior features: Sidewalk; Asphalt road frontage; Lot dimensions approximately 100 x 100

Interior

• Kitchen: Built-in oven; Dishwasher; Disposal; Freezer; Ice maker
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Living room / dining room combo; 9 total rooms
• Laundry & utility: Laundry room; Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $215k.

Deal economics

• At list price, monthly cash flow is $19 ($223/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $166k (23.0% below list).
• Recommended offer: $166k (23.0% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 72/100 on livability (#344 in FL) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: crime F, amenities F, employment D-.
• Brevard (suburban): math 53% / reading 57% proficiency, ranked #19 of 73 in FL (top 26%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Endeavour Elementary School (math 15% / reading 20%, grade F, #2,117 of 2,144 statewide, top 99%, 717 students, 72% FRL); Ronald Mcnair Magnet Middle School (math 58% / reading 50%, grade B-, #196 of 571 statewide, top 36%, 364 students, 58% FRL); Rockledge Senior High School (math 27% / reading 49%, grade F, #328 of 667 statewide, top 50%, 1,558 students, 50% FRL) — zoned schools average 60% FRL vs 43% district-wide (17 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 36% at this address vs 55% district-wide (-18 pts) — the specific schools serving this property underperform the Brevard average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising fast (+4.1%/yr); 167 active listings in the ZIP; 32 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 4,602 units permitted in Brevard County in 2024 (702 in 5+ unit buildings).
• This rent runs 45% of the median local income ($44k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Brevard County population projected at +15% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 41 days — a 3% lower offer ($208k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts; this cycle's ask has dropped $25k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $165,527 (23.0% below list)

Questions for the listing agent

1. It's been on market 41 days. Have you received any prior offers? Is the seller open to a 23% concession, seller financing, or rate buy-down credit?
2. Built in 1965 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.77% ✗
• Cap rate: 6.40%
• Cash-on-cash: 0.37%
• DSCR: 1.02
• GRM: 10.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 4.13% rent growth · sell at horizon

5-year hold

• IRR: -14.7%
• Equity multiple: 0.47×
• Total profit: $-31,833
• Equity at exit: $32,042

10-year hold

• IRR: -4.5%
• Equity multiple: 0.69×
• Total profit: $-18,594
• Equity at exit: $18,581

Cash invested: $60,172 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 32922

• Home prices YoY: -20.3%
• Rents YoY: 4.1%
• Active inventory: 167
• Price-to-rent: 10.8×

Monthly cashflow live

• Estimated rent: $1,655 high
• Mortgage (P&I): −$1,127
• Tax from tax record: −$73 /mo · $871/yr
• Insurance: −$90
• HOA: −$0
• Vacancy / Maint / Mgmt: −$348
• Net cashflow: $19

Break-even live

Break-even rent $1,632

Max offer price $214,900

Occupancy floor 94%

Sensitivity live

Price	-10% $140	-5% $79	+0% $19	+5% $-42	+10% $-103
Rent	-10% $-112	-5% $-47	+0% $19	+5% $84	+10% $149
Rate	-1.0pp $127	-0.5pp $73	base $19	+0.5pp $-37	+1.0pp $-94

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $53,725
• Closing costs: $6,447
• Reserves months: —
• Total cash needed: —

Rent comps 32 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
616 S Kentucky Ave Cocoa, FL	3.0	1.0	960	$1,600	$1.67	21d	1	0.35mi
516 Donley St Cocoa, FL	2.0	2.0	1485	$1,800	$1.21	21d	1	0.45mi
944 Kentucky Ave Rockledge, FL	3.0	2.0	1236	$1,945	$1.57	21d	1	0.50mi
1105 Santa Rosa Dr Rockledge, FL	3.0	2.0	1096	$2,000	$1.82	25d	1	0.50mi
1515 Peachtree St Cocoa, FL	3.0	2.0	1056	$1,475	$1.40	25d	1	0.51mi
302 Palm Ave Cocoa, FL	2.0	1.0	820	$1,600	$1.95	16d	1	0.67mi
317 Pineda St Unit B Cocoa, FL	2.0	1.0	984	$1,200	$1.22	16d	1	0.73mi
330 Palm Ave Unit PAL332 Cocoa, FL	2.0	1.0	700	$1,200	$1.71	25d	1	0.74mi
613 Paw Paw St Apt A Cocoa, FL	2.0	1.0	1104	$1,175	$1.06	25d	1	0.82mi
305 Prospect Ave Cocoa, FL	3.0	1.0	1180	$1,595	$1.35	25d	1	0.83mi
647 School St Cocoa, FL	2.0	1.0	844	$1,495	$1.77	25d	1	0.85mi
801 Washington St Unit B Cocoa, FL	2.0	1.0	700	$1,290	$1.84	25d	1	0.87mi
801 Washington St Unit A Cocoa, FL	3.0	1.5	1000	$1,760	$1.76	25d	1	0.87mi
305 Edinburgh Dr Cocoa, FL	3.0	1.5	1280	$1,750	$1.37	25d	1	0.88mi
420 N Fiske Blvd Cocoa, FL	3.0	1.5	1382	$1,695	$1.23	25d	1	0.96mi
1616 Terrace St Cocoa, FL	3.0	2.0	850	$1,600	$1.88	25d	1	0.98mi
1525 S Fiske Blvd Rockledge, FL	1.0–2.0	1.0	890	$1,500	$1.69	25d	1	1.00mi
305 Laredo Dr Cocoa, FL	1.0–3.0	1.0–2.0	1481	$2,319	$1.57	15d	28	1.07mi
1675 S Fiske Blvd #155 Rockledge, FL	2.0	2.0	1170	$1,750	$1.50	15d	1	1.20mi
1600 Woodland Dr Unit 1 Rockledge, FL	3.0	2.0	1426	$1,995	$1.40	16d	1	1.22mi
301 Forrest Ave Cocoa, FL	2.0	1.0–2.0	619	$1,699	$2.74	25d	5	1.25mi
295 Royal Tern CIR Rockledge, FL	1.0–3.0	1.0–2.0	1020	$2,467	$2.42	16d	33	1.27mi
800 N Fiske Blvd Cocoa, FL	1.0–2.0	1.0	850	$1,200	$1.41	25d	2	1.27mi
118 Olive St Cocoa, FL	2.0	1.0	933	$1,350	$1.45	25d	1	1.29mi
1010 N Fiske Blvd Cocoa, FL	2.0	1.0–1.5	750	$1,275	$1.70	16d	8	1.32mi
14 Carmalt St Unit CSB105 Cocoa, FL	2.0	1.0	1000	$1,300	$1.30	25d	1	1.36mi
412 Country Lane Dr Cocoa, FL	2.0	1.0	816	$1,300	$1.59	16d	1	1.36mi
802 Forrest Ave Unit B Cocoa, FL	2.0	1.0	1000	$1,500	$1.50	25d	1	1.37mi
19 Highland St Cocoa, FL	2.0	1.0	728	$1,600	$2.20	25d	1	1.39mi
1105 Myrtle Ln Cocoa, FL	3.0	1.5	1232	$1,800	$1.46	16d	1	1.43mi
1050 N Fiske Blvd Cocoa, FL	1.0–2.0	1.0	708	$1,200	$1.69	25d	2	1.43mi
1050 N Fiske Blvd #406 Cocoa, FL	2.0	1.0	816	$1,200	$1.47	21d	1	1.43mi

Listing history 26 events

1. 2026-06-22
   days on market $214,900 Active 41 DOM
2. 2026-06-18
   days on market $214,900 Active 38 DOM
3. 2026-06-17
   days on market $214,900 Active 37 DOM
4. 2026-06-16
   days on market $214,900 Active 36 DOM
5. 2026-06-15
   days on market $214,900 Active 35 DOM
6. 2026-06-14
   days on market $214,900 Active 33 DOM
7. 2026-06-10
   pricedays on market $214,900 Active 30 DOM
8. 2026-06-08
   days on market $224,900 Active 28 DOM
9. 2026-06-07
   days on market $224,900 Active 27 DOM
10. 2026-06-05
    days on market $224,900 Active 24 DOM
11. 2026-06-03
    days on market $224,900 Active 23 DOM
12. 2026-06-02
    days on market $224,900 Active 22 DOM
13. 2026-06-01
    days on market $224,900 Active 21 DOM
14. 2026-05-31
    price $224,900 Active 20 DOM
15. 2026-05-31
    days on market $240,000 Active 20 DOM
16. 2026-05-31
    days on market $240,000 Active 19 DOM
17. 2026-05-11
    listed $240,000 Active
18. 2026-05-09
    listed $240,000 Active
19. 2026-02-27
    historical 835-char remark

    Show marketing remark (835 chars)

    Discover this charming block-built home, well maintained by its original owner, nestled on an oversized corner lot. Surrounded by mature trees with irrigation, lush landscaping, fully gated, with security camera monitoring, this property offers both privacy and character, just minutes away from the historic Cocoa Village and the scenic Indian River. Enjoy the benefits of a newer roof (2024), a new AC system, and a new water heater, ensuring comfort and peace of mind. The fairly open interior design provides ample space for your creativity and relaxation. With no HOA, this home presents a unique opportunity for both short-term and long-term rentals. Plus, you'll have quick access to I-95, making trips to the beautiful beaches or the airport a breeze. Embrace a lifestyle of convenience and tranquility in this delightful home!

20. 2026-02-14
    price $245,000 835-char remark

    Show marketing remark (835 chars)

    Discover this charming block-built home, well maintained by its original owner, nestled on an oversized corner lot. Surrounded by mature trees with irrigation, lush landscaping, fully gated, with security camera monitoring, this property offers both privacy and character, just minutes away from the historic Cocoa Village and the scenic Indian River. Enjoy the benefits of a newer roof (2024), a new AC system, and a new water heater, ensuring comfort and peace of mind. The fairly open interior design provides ample space for your creativity and relaxation. With no HOA, this home presents a unique opportunity for both short-term and long-term rentals. Plus, you'll have quick access to I-95, making trips to the beautiful beaches or the airport a breeze. Embrace a lifestyle of convenience and tranquility in this delightful home!

21. 2026-02-01
    listed $255,000 Active 835-char remark

    Show marketing remark (835 chars)

    Discover this charming block-built home, well maintained by its original owner, nestled on an oversized corner lot. Surrounded by mature trees with irrigation, lush landscaping, fully gated, with security camera monitoring, this property offers both privacy and character, just minutes away from the historic Cocoa Village and the scenic Indian River. Enjoy the benefits of a newer roof (2024), a new AC system, and a new water heater, ensuring comfort and peace of mind. The fairly open interior design provides ample space for your creativity and relaxation. With no HOA, this home presents a unique opportunity for both short-term and long-term rentals. Plus, you'll have quick access to I-95, making trips to the beautiful beaches or the airport a breeze. Embrace a lifestyle of convenience and tranquility in this delightful home!

22. 2025-10-11
    status Pending
23. 2025-10-09
    historical
24. 2025-09-11
    price $225,000
25. 2025-08-18
    price $250,000
26. 2025-08-11
    listed $280,000 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $871 · $73/mo
• Projected year-2 tax: $1,784 · $149/mo
• Expected delta: +$913/yr (+$76/mo · 104.8%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 3/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥106°F today · 23 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,863
• − Mortgage interest: −$12,038
• − Property taxes: −$871
• − Insurance: −$1,074
• − Repairs & maintenance: −$1,589
• − Management: −$1,589
• − Depreciation: −$6,252
• Taxable loss: −$3,550
• Est. tax savings @ 24.0%: +$852
• After-tax cash flow: $1,075/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Brevard
• NCES district ID: 1200150
• Math proficiency: 53% ▼ -9.00%
• Reading proficiency: 57% ▼ -4.00%
• Median HH income: $49,426
• Composite: 46.86/100
• National rank: #2370
• State rank: #19 of 73 in FL

Livability — Cocoa

• Score: 72/100
• State rank: #344
• US rank: #5979

Category grades

Amenities F Commute A+ Cost of living A+ Crime F Employment D- Housing A+ Health & safety D- User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Cocoa, FL
• County: Brevard County · 602,871 people
• City population: 67,424
• Metro: Palm Bay-Melbourne-Titusville, FL
• Population (ZIP): 14,700
• Household income: $44,469
• Rent vs Own: 47.8% rent · 52.2% own
• Severe rent burden: 1007.0

Population outlook (Brevard County) Hauer SSP2

• Today (2025): 623,254 people
• By 2030: 648,420 · +4.0%
• By 2040: 690,009 · +10.7%
• By 2050: 715,669 · +14.8%
• By 2075: 775,744 · +24.5%
• By 2100: 776,687 · +24.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.66)
• Race & ethnicity: White 45% Black 29% Hispanic / Latino 21% Two or more races 12%
• Hispanic origin (detail): Mexican 10% Puerto Rican 1% Cuban 4%
• Common ancestry: Slovak 2% Romanian 2% Lithuanian 1%
• Foreign-born: 14% · Canada
• Languages at home: 81% English-only · Spanish 16% German/W. Germanic 2%

Political lean MEDSL · Brevard

• 2024 margin: Strong R (+20.8) · D 39.1% · R 59.9% · Other 1.0%
• 2008→2024 swing: -10.4pp toward R · 2008: -10.4pp · 2024: -20.8pp
• All cycles: 2024: R+20.8 2020: R+16.4 2016: R+19.8 2012: R+12.7 2008: R+10.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -68.95%
• Current HPI: 271.1139
• Rent YoY: ▲ 4.13%
• Metro: Palm Bay-Melbourne-Titusville, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

-14.3% since first listed

10 events — show timeline

• 2026-05-11 Listed $240,000 Stellar MLS as Distributed by MLS Grid
• 2026-05-09 Listed $240,000 SCMLS
• 2026-02-27 Listing Removed — SCMLS
• 2026-02-14 Price Changed $245,000 SCMLS
• 2026-02-01 Listed $255,000 SCMLS
• 2025-10-11 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-10-09 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-09-11 Price Changed $225,000 Stellar MLS as Distributed by MLS Grid
• 2025-08-18 Price Changed $250,000 Stellar MLS as Distributed by MLS Grid
• 2025-08-11 Listed $280,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+6.0%/yr

Latest (2025): $871 · +3.9% YoY. Source: county tax records.