Choosing the right center console boat is a significant decision whether you’re new to boating or upgrading from an older model. The Cobia Boats 320CC is well-regarded in boating circles for its balance of performance, comfort, and fishing capability. This boat is designed with real world use in mind, making it suitable for family fun, serious fishing trips, or relaxing cruises. With its deep-V hull, high freeboard, and large deck space, it offers stability and safety for day trips in different kinds of water, from calm lakes to rough coastal conditions. One of the main things people notice with the Cobia 320CC is how it blends a wide range of practical features with a straightforward layout, making it appealing to a variety of users—from anglers to weekend explorers. This makes learning about every detail of the Cobia 320CC important before making your purchase, so you can match your exact needs and plans.

Length, Beam, and Deck Space

The Cobia 320CC measures just over 32 feet in length and 10 feet, 3 inches across the beam. That width gives the boat a lot of interior space, which is a real advantage when you want to bring more people on the water, carry extra gear, or just feel less cramped moving from front to back. The length helps with a smoother ride, especially when the water gets choppy. Space is maximized with smart deck design, allowing free movement along the walkways and open areas at the bow and stern. The generous freeboard makes the boat feel safe and secure, while the rail height provides extra comfort for families. High sides mean you and your guests are better protected from spray, and kids or pets are less likely to climb over the sides.

Deck Space Highlights

• 360-degree walkaround deck, so you can move easily from bow to stern
• Side coaming pads offer extra cushioning around the entire interior
• Full-size forward lounging area with removable table
• Foldaway backrests on the bow seats for real comfort and support
• Deep step-down into the head compartment for privacy and easy access
• Plenty of headroom for taller passengers
• Wide side decks on both port and starboard sides for moving in and out

Fishing Utility and Setup

The Cobia 320CC is built for fishing and includes features that make it easier to pursue different types of saltwater or freshwater catches. Two 28-gallon sealed livewells help you keep bait fresh all day, located at opposite ends of the transom for convenience. The livewells are clear-lid for at-a-glance checks on bait. Four transom-mounted rod holders and more along the gunwales let you bring multiple rods and set up drift, anchor, or trolling fishing without crowding. Two insulated fish boxes in the bow are lined and macerated, making clean up faster and stink-free. There are additional inset tackle storage boxes, drawers, and tool holders beneath the leaning post.

Advanced Fishing Features

• Under-gunwale rod racks for quick storage and access
• Standard raw water washdown to hose off the deck or gear
• Built-in cutting surface and knife/tool slots at the tackle center
• Optional outrigger mounts for offshore trips
• Extra-wide transom door for bringing in bigger catches
• Dedicated spaces for gaffs, nets, and light tackle
• Insulated coolers with drains under the aft seating
• Engineered sound insulation to reduce noise and spooking fish

Helm and Electronics

The helm area of the Cobia 320CC keeps everything simple and within reach, designed so the driver and companion can see all their displays and controls without getting up or turning awkwardly. The console is wide enough to hold two large touchscreen displays, often 12 or 16 inches each, which can be loaded with your preferred GPS, sonar, or radar brands. Electronic digital engine controls are within arm’s reach, allowing you to throttle up or settle down easily. Switches are clustered in panels that include waterproof backlit buttons. Hydraulic steering with tilt adjustment makes it easier to find the driving angle you like. There’s also room for analog engine dials as backup, plus extra USB and 12v charging ports for your phone or tablets.

Helm and Console Details

• Wide double helm seat with flip-up bolsters and fold-down armrests
• Stainless steering wheel with knob for one-handed control
• Console face angled for less glare and easier viewing of screens
• Dedicated compartment for VHF radio, emergency beacon, or handhelds
• Raised footrest for long-distance comfort while driving
• T-top frame supports radio antennas and radar domes
• Overhead electronics box for storing items out of the way
• Large glove box for personal items and protected paperwork

Entertainment and Social Layouts

It’s not just about fishing—the Cobia 320CC is built to keep everyone aboard comfortable on longer cruises or casual outings. The U-shaped bow seating, in particular, is great for groups, with removable cushions and space for a pedestal table for snacks or games. On hot days, the T-top’s fiberglass roof and optional sunshade can help keep sun off the main seating. The sound system is marine grade and includes speakers in the bow, aft, and at the helm, all Bluetooth enabled for music streaming. Optional underwater lighting sets the mood during night outings. There’s storage for coolers and dedicated compartments so nothing is left rolling around loose as you enjoy the trip.

Comfort and Social Enhancements

• Removable bow table for meals or drinks
• Built-in port and starboard coolers in the forward seating
• Handrails and cupholders at every main seating area
• Padded leaning post that doubles as a prep counter or serving area
• Flip-down transom seat for extra guests that tucks away to maximize cockpit space when not needed
• Marine stereo head unit with waterproof remotes front and aft
• Spread of built-in lighting for late evenings or early starts

Storage for All Your Gear

Boaters know that clutter can turn a fun day sour. The Cobia 320CC addresses storage by ensuring a place for almost everything. Under every seat you’ll find finished, gel-coated lockers with latches or gas struts. The cockpit deck hatches open up huge in-floor storage areas that can fit fenders, extra life jackets, buckets, or cleaning supplies. Inside the console is a dry storage area for valuables, wallets, and electronics. Rods stow safely below deck and within easy reach. Anchor and rode stow neatly at the very front in a purpose-built compartment.

Detailed Storage Breakdown

• Dedicated tackle trays and drawers below leaning post
• Wide open lockers under bow seats for bags and soft goods
• In-floor hatch in cockpit for larger gear
• Lockable glove box at the console for security
• Finished anchor locker with through-bolted hardware
• Easily accessed life jacket storage in T-top pockets
• Trash bin holder next to leaning post for keeping the cockpit tidy

Power and Performance

Performance is at the heart of what people love about the Cobia 320CC. Powered most commonly by twin Yamaha F300 digital outboards for a total of 600 horsepower, the boat is ready for quick acceleration and reliable speeds, even when loaded with gear. With a 275-gallon fuel tank, you can make long runs offshore or extended days on the water. Owners report that the hull’s deep-V and reversed chines make it ride smoothly across chop, keeping spray down and passengers dry. With the right propeller setup, many Cobia 320CCs cruise efficiently at around 30-35 mph and can reach over 50 mph in the right conditions.

Engine and Performance Details

• Standard twin outboard mounting, pre-rigged for Yamaha digital controls
• Transom platform allows for easy engine checks and boarding
• Built-in trim tabs for adjusting bow angle in various sea conditions
• Fuel fill, water fill, and waste pumpout all located portside for easy refueling and servicing
• Optional engine flush system for simplified end-of-day rinsing
• Hull design optimized for speed, efficiency, and comfort, reducing pounding and spray in head seas

Construction and Quality

Cobia has a reputation for building sturdy, long-lasting boats. The 320CC features a hand-laid composite fiberglass hull with a full grid stringer system bonded to the running surface for extra strength. All hardware is stainless steel, including cleats, hinges, and fasteners. Wiring runs are color-coded, circuit-protected, and accessible for repairs. The foam-filled hull gives the boat positive flotation for safety. All decks are self-bailing, with drains that lead directly overboard—water never collects in the cockpit, even after heavy rain.

Construction Standards and Hardware

• Through-bolted hardware for long-term reliability
• Heavy-duty rub rail and stainless insert for dockside protection
• Marine-grade vinyl upholstery on every seat and backrest
• Heavy-duty Lenco or Bennett trim tab actuators
• High-density polyethylene boards used for fishbox lids and cutting surfaces
• Welded aluminum T-top frame integrated into the console and deck

Family-Friendly Details

Families often choose the Cobia 320CC because there are many details designed with comfort and safety in mind. The deep freeboard and tall rails make parents feel better about young kids moving about on deck. The head in the center console is spacious, with a proper door and privacy lock, freshwater sink, and lots of ventilation so it doesn’t feel cramped. Multiple freshwater washdown hoses are placed at the bow and stern to rinse off sandy feet, hands, or gear. The swim platforms on both sides have grab handles and telescoping ladders for easy re-boarding from the water.

Family-Ready Amenities

• Cushioned seating in all main areas, with non-skid steps for safety
• Full lighting throughout, including the head, for late-night or early morning trips
• Screens and locking covers for electronics, adding peace of mind
• Extra grab rails at entry/exit points and throughout the cockpit
• Designated storage bins for sunscreen, towels, and snacks

Electronics and Upgrades

Most Cobia 320CCs can be customized or upgraded based on personal preferences. The electronics packages can include radar, fish-finders, chartplotters, and autopilot systems. The hardtop accepts antennas and extra lighting, while deck outlets are pre-wired for additional equipment. Yamaha Helm Master EX steering and joystick systems are popular upgrades, as are digital throttles and auto-leveling trim tabs for simpler handling. Some owners also install underwater lights, power poles, or industry-leading communication radios to suit their needs.

Upgrade Options

• Custom color gel coat finishes
• Outrigger and downrigger mounting kits
• Satellite weather and XM radio integration for helm displays
• High-capacity freshwater and raw water pumps
• Premium sound system upgrades, including subwoofers and amplifiers
• Removable second swim ladder for dive trips

Everyday Handling

Handling the Cobia 320CC is made easier by balanced weight distribution and responsive hydraulic steering. Forward visibility is good from the helm even with several people on the bow. Steps up to and from the bow area are wide and not steep, making moving around the boat easy. The walk-up side door on the port side provides direct dock access and also helps when landing big fish or loading supplies from a floating dock. Visibility from the helm is further improved by mounting displays and controls within your line of sight. Power-assist steering is available, making docking and maneuvering in tight spaces less stressful.

Day-to-Day Use Features

• Fender and line holders near the cleats for quick docking
• Wide, flat cockpit floor for easy movement, even in rough water
• Extra-deep anchor locker with anchor roller for fast anchoring
• Integrated rope and hose holders, so they never clutter the deck
• Clear sightlines for driver and passengers when underway

Maintenance Access and Routine Checks

The Cobia 320CC is laid out to make routine checks and maintenance simple for the typical owner. Deck hatches are wide and use gas-assist struts so they stay open while you inspect or work. All bilge pumps, seacocks, and filters are easy to reach and clearly labeled. Fittings like fuel and water fills are top-side, designed to prevent spills. The electrical panel is mounted inside the console door with clear circuit labeling, so you can troubleshoot minor issues without confusion. The engine splash well is deep enough for basic checks on the water, and battery switches are up high and dry, out of the bilge.

Easy Upkeep Details

• Flush-mount hatches throughout for easy cleaning
• Color-coded wiring with marine-grade terminals
• Quick-release engine cowling for fast access
• Snap-in or molded EVA mats make cleanup faster
• Central access panel for through-hull and bilge inspection

Weather Protection and Shade

The factory T-top is standard and is built of heavy-duty powder-coated aluminum with a solid fiberglass or canvas roof for real protection. Optional front and side curtains snap into place for spray or cold wind protection. The T-top houses forward and aft spreader lights, so you can easily work early or late. Overhead rod holders on the T-top give you even more storage for rods out of the way. There’s enough clearance under the T-top for tall adults to stand at the helm without crouching. Extra shade is available with a stowable bow sunshade system, which stretches from the hardtop forward.

Comfort in All Conditions

• Optional sunshade sails for bow and stern seating areas
• Rain gutters built into the top to direct drips away from the helm seats
• Overhead storage for life jackets and throwables
• Plenty of headroom even with all curtains down
• Factory match paint and finish details withstand harsh UV and salt

Seating Adaptability

Adjusting seating is simple. The flip-up bolsters behind the helm give you the choice of sitting or standing when the boat is underway. The aft bench folds completely flat against the transom, opening up space instantly when you need to fish or sort lines. Bow seats have removable backrests and cushions, so you can convert the area between lounging and open deck as needed. There are footrests for the helm and companion, and a sliding leaning post cooler is available in many setups. Each seat is contoured for support, but the vinyl covering is soft enough for all-day use.

Seat Options

• Removable backrests on bow seating
• Dual flip-up bolster helm seats
• Stowable aft bench seat with quick-release hinge
• Optional slide-out cooler beneath the leaning post
• Extra seat pads and filler cushions for the bow or stern

Head Compartment

The head compartment on the Cobia 320CC is more comfortable and private than on many similar center consoles. The entry door is on the forward port side of the console, swinging out for a wide opening. The toilet is electric flush, and the freshwater sink is a full size, not a sink insert. Storage shelves are set up for personal items, cleaning supplies, or extra towels. Lighting ensures you can use the space even at night or early in the morning. There’s a vent window and exhaust fan option to keep the air fresh.

Head Facilities

• Molded in sink and vanity
• Holding tank with dockside pump-out
• Storage cubbies for essentials
• Overhead and task lighting
• Mirror and towel hanging rack

Water Access and Swim Platforms

Reboarding the 320CC after swimming or diving is convenient because of the dual swim platforms. Both platforms have anti-slip surfaces and sturdy, stainless steel grab bars. The left side swim ladder is telescoping and hides in a covered compartment when not in use. Both entrances offer enough room for adult divers to gear up or store equipment out of the cockpit. The transom door is equally wide, making transfers from the platform to the cockpit simple and quick.

Swim and Water Features

• Port and starboard rear swim platforms
• Covered telescoping swim ladder
• Deck-level drains for quick drying
• Extra grab handles at every water entry point
• Rinsing showers within reach of each swim platform

Lighting and Visibility

Every Cobia 320CC comes with full LED navigation and deck lighting, so you can operate safely during low light. Deck lights are set low, so they do not interfere with your vision or cause glare. Spreader lights on the hardtop provide bright illumination for fishing or cleanup after dark. Underwater light options add ambiance or attract bait for night fishing. Lighting inside the head, storage lockers, and console area makes using these spaces easier at dusk or after dark.

Lighting Details

• Blue/white LED cabin and courtesy lights
• Two or more deck flood/spreader lights
• Underwater lighting system as an upgrade
• Illuminated switch panels for easy, safe operation at night
• Navigation lights positioned for maximum visibility

Safety and Emergency

The Cobia 320CC is rigged to handle emergencies. Besides the deep cockpit and high rails, every boat comes with multiple automatic bilge pumps, plus high-water alarms. Each hatch and storage locker is designed to stay closed and latched in rough seas. The fuel system uses marine-rated hoses with anti-siphon devices. Circuit protection is built into every major electrical run. There’s an easy-access fire extinguisher mount and space for a throw ring in an overhead locker.

Safety Equipment

• Dual automatic bilge pumps, plus manual selector switch
• Circuit breaker protected electrical system
• Extra-long fuel fill hose to avoid leakage
• Grab handles throughout for kids and older adults
• Dedicated fire extinguisher holders and signage

Cleaning and End-of-Day Chores

The self-bailing cockpit and drainage system make cleanup much faster. All deck and cockpit surfaces are smooth and easy to rinse. Removable fishbox liners and in-floor storage bins can be lifted out and cleaned with a hose. Washdown hose connections are located at bow, stern, and console, so you can quickly blast away dirt, sand, or fish blood. Upholstery is mildew and UV resistant, so a rinse and occasional scrub will keep it looking clean. For bigger jobs, hatches and cushions pop out with minimal fuss.

Cleaning Chores

• Raw and freshwater washdown ports fore and aft
• Easy-drain in-floor boxes
• Non-skid deck that’s easy to scrub
• Mold resistant upholstery throughout
• Console and seat covers available for off-season storage

Owner Experience and Real Feedback

Owners of the Cobia 320CC are active in online groups and forums, sharing notes on handling, maintenance, and upgrades. Many mention that the storage and layout work well for both fishing and family fun, making it easy to switch gears for the day’s plan. The ride is described as smooth and dry, even in tough conditions. Several users note the value of the wide beam, which gives more deck area for activities. Common upgrades include larger chart plotters, radar, and additional speakers. Owners suggest that a factory hardtop with full curtains is worth it for weather protection.

Real Owner Wisdom

• Keep an extra deck brush and hose on board for quick cleaning
• Install extra USB chargers if many people use phones or tablets
• Join owner groups to learn about specific model quirks or popular add-ons
• Take advantage of the removable bow table for everything from meals to gear staging
• Use deck mats or EVA foam for extra comfort on barefoot days

Questions to Ask When Buying

When considering a Cobia 320CC, get as much information as you can from the broker, dealer, or owner. Ask about how the boat was stored (in the water, out of water, under cover), since this affects wear. Check the maintenance logs for regular engine service and hours. Review the age and brand of all electronics—technology changes quickly, and updated screens or modules can be a benefit. Inspect every hatch and compartment for signs of leaks, mold, or breakage. Take time during your tour to look under the console, under all seats, and inside the bilge to spot any missing equipment or damage.

Buyer’s Checklist

• Engine hours and detailed service records
• Previous ownership and usage patterns
• Age and condition of electronics and screens
• Condition of T-top frame and mounting points
• All cushions and covers for wear or tears
• Inspection of all through-hull fittings and seacocks
• Test run on water for shifting, throttle response, and handling
• Inventory of included accessories and safety gear

Preparing for Delivery and First Outing

Once you decide the Cobia 320CC is right for you, set up a checklist for delivery day. Make sure all promised equipment is present, including covers, cushions, life jackets, lines, and manuals. Walk through all main systems: start the engines, check the fuel gauge and fresh water system, test the radio and speakers, and verify the navigation screens are working. Run through livewell pumps and all lighting, both day and night. Familiarize yourself with the battery switches and bilge access. Plan your first outing for a familiar location so you get to know the handling before exploring new places.

Delivery Day Tips

• Arrive with a notebook for recording systems and quirks
• Start with a thorough walkaround, inside and out
• Test every system before signing off
• Get contact info for support or service from seller
• Store manuals and numbers in a water-resistant bag

Regular Use and Keeping Your Boat in Top Shape

Consistent routine keeps the Cobia 320CC performing at its best. After each outing, run the motors briefly in fresh water if you use the boat in saltwater. Rinse all surfaces, paying special attention to the inside of hatches and any exposed wiring. Regularly open and air out storage to prevent mildew. Check the function of all pumps, both bilge and livewell, every week during the season. Keep spare fuses and basic tools in a labeled dry box under the console. Update your gear list to reflect what’s actually on board, so you always know what’s packed.

Ongoing Care Advice

• Schedule engine and lower unit service by hours run or annually
• Clean and condition vinyl and deck pads monthly
• Test electronics, lights, and sound system before big outings
• Inspect anchors, lines, and cleats for wear
• Drain and clean coolers and fishboxes after each trip

Customization and Owner Pride

Many Cobia 320CC owners personalize their boats after purchase. That can include everything from colored hull wraps to more comfortable mats or additional rod holders. Upgraded electronics are common, especially as technology rapidly advances. Some add bow thrusters or underwater lights if they frequently boat at night. Owners often organize their own gear, creating labeled storage bins for fast access or installing extra USB ports and weatherproof phone holders. Personalized name decals and custom seat covers also make the boat feel like your own space.

Personalization Ideas

• Colored hull wrap or striping for a unique look
• Custom mat sets for the bow, cockpit, and swim platforms
• Added rod racks for new styles of fishing
• Upgraded screens, networked electronics, or autopilot
• Weatherproof phone and tablet mounts at the helm

Docking and Stowing Your Cobia 320CC

The wide beam and hefty topsides help the Cobia 320CC handle wind and wake when docking. The port side boarding door and high bow rails help crew get off at docks easily. The boat is easiest to dock with two people, but bow and stern thrusters as an upgrade can help solo users. Choose non-marking lines and fenders to avoid scuffs on the hull. Plan ahead for dockside water and power connections, as the boat includes shore power outlets to run onboard systems even when not underway.

Docking Tips

• Use oversized fenders at both bow and stern for extra protection
• Approach piers at shallow angles and at the slowest speed needed for control
• Always have lines pre-tied before entering the slip
• Store docklines in dedicated cockpit lockers so they don’t tangle feet
• Periodically inspect dock and anchor lines for chafing

Keeping Passengers Comfortable

Keeping everyone on board comfortable takes more than just shade and soft seats. The Cobia 320CC’s open design lets breezes flow freely. Carry extra hats, sunscreen, and water, and stow these in the easy-to-reach deck lockers. If you use your boat for family time, keep blankets or towels handy for cooler weather. During peak sun, rotate passengers between bow, cockpit, and under the T-top for breaks. Portable fans or clip-on misters run easily off the on-deck 12v outlets.

Comfort Planning

• Keep water bottles cold in the insulated under-seat coolers
• Stash rain jackets or windbreakers in the dry console compartment
• Bring simple slip-on shoes for easy deck movement
• Assign each passenger a “seat” for busy days so everyone has space

Trailering and Storage

If you plan to trailer your Cobia 320CC, ensure you have a trailer rated for the length and weight, including fuel, water, and extra gear. Tie-down points on the transom and bow make securing the boat straightforward. Always check the clearance height with the T-top when moving under bridges or into a storage barn. Store your mooring cover, boat hook, and cleaning supplies in a dry bin so they’re ready for next use. During off-season storage, remove as many cushions and electronics as possible to keep them dry and safe.

Trailering Pointers

• Choose a triple-axle trailer with brakes for maximum safety
• Use soft straps or padded hooks to prevent hull marks
• Cover the entire boat for sun and weather protection during storage
• Drain all water from bilges and tanks before wintertime
• Store registration and keys inside your towing vehicle, not on the boat

FAQS for Future Owners

How does the Cobia 320CC compare to other brands in ride quality?

Most owners report the ride as smooth thanks to the deep-V hull and wide beam, especially when matched with the right propellers and engine setup. The 320CC is noted for feeling dry and controlled when running head-on into chop and is stable at rest due to the beam.

Can you comfortably overnight on the 320CC?

While it’s not designed as a true cabin boat, the center console’s head compartment is roomy enough for changing and basic needs but not sleeping. Some owners add side berth inserts or air mattresses for the occasional overnighter on deck with the right gear.

Is the 320CC easy to operate solo?

Experienced boaters can handle the 320CC alone once familiar with its docking and visibility characteristics. For those new to boats this size, a second set of hands helps with lines and docking, especially in wind or current.

Final Thoughts

A Cobia 320CC is designed for people who want space, performance, and flexibility in one package. It balances comfort with practical features for fishing or social events. Every hatch, seat, and locker is built with real use in mind—storage is where you need it, access panels are within reach, and maintenance points are clearly marked. The ride, layout, and reputation for solid build quality make it a boat that works for lots of different plans.

If you want even more details, or want to see the Cobia 320CC in person, reach out to a Fly Yachts team member today. The Fly Yachts team brings firsthand experience and up-to-date knowledge to help answer your questions and make your search easier.

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