Melbourne offers two distinct waterfront condo lifestyles. Oceanfront units in Indialantic, Indian Harbour Beach, and Melbourne Beach bring direct Atlantic access, sea breezes, and premium sunrise views—but also higher maintenance from salt spray and strict turtle-season lighting ordinances. Indian River Lagoon–front condos often feature boat slips, fishing piers, and Intracoastal access, plus gentler sunsets and lower insurance costs. Understanding these differences helps match lifestyle with long-term expenses.

Melbourne condos vary widely in monthly HOA dues and what they cover. Some include water, cable, internet, exterior insurance, and amenities (pools, gyms, clubhouses), while others keep fees lower but pass more costs to owners. With Florida’s new condo safety legislation, expect stricter reserve requirements and potential special assessments for older mid-rise and high-rise buildings. Reviewing financials, recent assessments, and reserve studies is critical before buying.

Florida’s 2022 condo reforms (after the Surfside tragedy) hit coastal markets like Melbourne directly. Mid- and high-rise condos over 30 years old must undergo milestone structural inspections and maintain adequate reserves for repairs. In Melbourne’s older beachfront buildings, this can translate to assessments for concrete restoration, balcony repairs, and roof replacements. Buyers should review inspection reports and ask about upcoming projects to avoid surprise costs.

Beachside condos rely heavily on causeways (Eau Gallie, 192/Melbourne, Pineda) to connect to the mainland. Where your building sits relative to these crossings impacts commute times to I-95, major employers (L3Harris, Northrop Grumman, Patrick Space Force Base), shopping, and MLB Airport. Some buyers prioritize a quieter, farther south condo in Melbourne Beach; others value faster mainland access for work.

Not all Melbourne condos allow short-term or seasonal rentals. Some associations enforce three-month or six-month minimums, while others welcome weekly rentals—affecting both investment potential and the character of your neighbors. Buildings that restrict transient rentals often foster quieter, more residential atmospheres, while flexible-rental condos may attract snowbirds and vacationers. Align the association’s rental policy with your goals.

Condos along Melbourne’s coast face unique storm-prep considerations. Many associations install impact-rated windows, shutters, or reinforced roofs, which reduce insurance premiums and enhance safety. Confirm what protections are already in place and what owners are individually responsible for. Insurance in Brevard County has become more nuanced, with higher premiums for oceanfront buildings; inland condos generally enjoy lower rates.