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+35 photosGated community home — 103 Monterey Bay Drive · Monterey Bay Tr · Boynton Beach
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Open property magazine$349,999
103 Monterey Bay Drive, Boynton Beach, FL 33426
Boynton Beach, FL, 33426
4 bd · 3 ba · 1,506 sqft
Listed by The Keyes Company
103 Monterey Bay Drive, Boynton Beach, FL 33426
Listed by The Keyes Company
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Estimated monthly payment
$2,748/mo
Know your costs before you buy
Work through three numbers: your estimated monthly payment, the cash needed at closing, and insurance & flood.
Estimated monthly payment $2,748/mo · principal, interest, taxes, insurance and HOA. Verify before you buy.
Cash to close includes the down payment, lender and title costs, taxes, insurance prepayments and escrow deposits. Editable estimate only.
Insurance and flood: X · verify insurance quotes before buying.
About this home
Find similar homesNEW ROOF INSTALLED JUNE 2025!! Seller is flexible on terms. Vacant -Rarely available 4-bedroom, 2.5-bath townhome in the gated community of Monterey Bay. ALL IMPACT WINDOWS! This is the only unit in the community featuring a FOURTH bedroom, offering additional space for a home office, guest room, or den. Vacant and move-in ready, this home boasts an open floor plan, abundant natural light, and modern finishes throughout. Key Features: Unique 4-Bedroom Layout - The only one of its kind in Monterey Bay. Open-Concept Living Area - Spacious and bright with tile flooring throughout the main level. Upgraded Kitchen - Granite countertops, stainless steel appliances, and ample cabinet space. Primary Suite - Walk-in closet and en-suite bath with dual anities. Ideal for outdoor relaxation. Impact windows Gated Community - Pet-friendly with walking paths, lush landscaping, and low HOA fees. Prime Location - Conveniently located minutes from shopping, dining, entertainment, and Boynton Beach's coastline. This home is an excellent option for families, seasonal residents, or investors. Schedule a private showing today.
Why we flagged this one
A transparent review of current MLS facts—not a paid placement.
Price reduced 12%
The seller has come down from $399,000 to $349,999 — a $49,001 reduction since it came on the market.
128 days on market
Longer time on market usually means the seller is more open to negotiating on price and terms.
Price reductions and days on market come from this listing's MLS record. This is an initial market signal, not a formal appraisal or full comparable market analysis.
Property Details
Dogs
Welcome here
Cats
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Breed restrictions
Some breeds not accepted
Your costs (est.)
≈ $2,748/mo
103 Monterey Bay Drive, Boynton Beach, FL 33426 · Boynton Beach
Location
103 Monterey Bay Drive, Boynton Beach, FL 33426
What buyers ask about this home
What are the estimated monthly carrying costs at 103 Monterey Bay Drive, Boynton Beach, FL 33426?+
Property tax (after sale): $354/month est.; homeowners insurance: $153/month est.; HOA: $425/month. Fixed ownership costs before a mortgage: $932/month est. Principal and interest: $1,816/month; PMI: $0/month. Total for the payment scenario shown: $2,748/month est. Flood insurance is not included. Estimate only, not guaranteed. Verify before you buy or sell.
Will property taxes go up after I buy 103 Monterey Bay Drive, Boynton Beach, FL 33426?+
Usually yes. In Florida the assessed value resets to market value in the year after a sale, so the seller's current tax bill is rarely what a new owner pays. Budget roughly 1.8–2.0% of the purchase price annually until you file for homestead exemption and the Save Our Homes cap (or the 10% non-homestead cap) starts limiting increases.
Does 103 Monterey Bay Drive, Boynton Beach, FL 33426 need flood insurance, and what drives the premium?+
Most of Boynton Beach sits in a FEMA flood zone, and lenders require flood coverage in high-risk zones. Premiums are driven by elevation certificate, flood zone, roof age and shape, and whether the home has impact windows or accordion shutters. Ask for the current declarations page, the four-point inspection and wind mitigation report early — they set your real cost of ownership.
What should I check about the association before buying 103 Monterey Bay Drive, Boynton Beach, FL 33426?+
For a Florida condo, review the milestone structural inspection and the Structural Integrity Reserve Study, current reserve balances, any pending or recently voted special assessment, the association's insurance and its litigation history. Ask how many units are owner-occupied and whether the lender will approve the building — a poorly funded association is the single biggest hidden cost in a condo purchase.
Can 103 Monterey Bay Drive, Boynton Beach, FL 33426 be rented out?+
Rental rules are set by the association's documents, not the MLS. Many Boynton Beach luxury buildings limit leases to once or twice a year with a minimum term and require board approval and an application fee. Request the declaration and rules before your inspection period ends if rental income matters to your plan.
Is there room to negotiate on 103 Monterey Bay Drive, Boynton Beach, FL 33426?+
This listing has been on the market 128 days. Leverage comes from days on market, price history, comparable closed sales and the seller's motivation — not from a fixed percentage. I pull the full history and the true comps before we write, so the offer is built on what the property is actually worth today. Call or text (954) 562-1798 for that analysis.
Neighborhood & Commute
Located in Boynton Beach, this property offers the South Florida lifestyle — warm-weather living year-round with easy access to the Atlantic coast, A-rated schools, and major business centers.
Approximate Drive Times
Drive times are estimates based on straight-line distance at typical South Florida traffic speeds. Actual times vary with traffic and routing.
Assigned schools for this address
Crosspointe Elementary School
Elementary · 1.0 mi from this home · 3015 S Congress Ave, Boynton Beach
Zone boundaries published by School District of Palm Beach County.
Other options for this address
Trinity Evangelical Lutheran Chrch Of Del Ray Bch
Elementary · Private · Christian · Grades PK–8 · Delray Beach
American Heritage School - Boca/Delray Palm Beach
Pre-K & Kindergarten · Private · Grades PK–12 · Delray Beach
School assignment is set by the district and can change. Always confirm the zoned school with the district before you buy.
The home, in a magazine
A closer look at this home and its lifestyle — dedicated to you and your family.
Open the magazine
Simon Gedz
Realtor® since 1995
Interested in this property?
$349,999 · MLS B26049657
$349,999
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