SR 520 Commercial Core Sub-Area (Merritt Island Causeway), adopted 1989 (745.53 acres) and 1991 (280.12 acres), is the primary west/east major arterial road, extending from the Indian River Lagoon on the west and the Banana River Lagoon on the east. It extends north to approximately Merritt Avenue and south to approximately Fortenberry Road.

SR 3 Sub-Area, adopted 2006 (165.7 acres), is the primary north-south corridor through Merritt Island and includes all properties that front on Courtenay Parkway from the SR 528 interchange at the north end to Merritt Avenue at the south end.

Barge Canal Sub-Area, adopted 2013 (981.01 acres), includes SR 528 and the lands to the north that front on the Barge Canal. It extends from the Indian River Lagoon on the west to the Banana River on the east.

Cone Road Sub-Area, adopted 2013 (209.53 acres), encompasses the industrial lands located south of Cone Road and north of the Merritt Island Airport.