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+12 photosLuxury condo — 1101 Cactus Terrace 203 · Pines Of Delray Condo · Delray Beach
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Open property magazine$187,500
1101 Cactus Terrace 203, Delray Beach, FL 33445
Delray Beach, FL, 33445
2 bd · 2 ba · 1,167 sqft
Listed by United Realty Group, Inc
1101 Cactus Terrace 203, Delray Beach, FL 33445
Listed by United Realty Group, Inc
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Estimated monthly payment
$1,757/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 $1,757/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: Zone not provided · verify insurance quotes before buying.
About this home
Find similar homesLOW 3% DOWN PAYMENT AVAILABLE, DO YOU NEED HELP WITH CLOSING COSTS, WE CAN BE CREATIVE.Welcome to effortless South Florida living! This beautifully renovated 2-bedroom, 2-bathroom residence is truly move-in ready and offers exceptional value in one of the area's most amenity-rich active adult communities. Every major update has already been completed, including a brand-new roof, stylish flooring, fresh interior paint, updated bathrooms, and a stunning modern kitchen featuring stainless steel appliances, stone countertops, and abundant cabinet space. The bright and open floor plan is filled with natural light and includes the convenience of an in-unit washer and dryer. Enjoy a maintenance-free lifestyle in this vibrant 55+ community offering resort-style amenities, including two swimming pools, a spa, fitness center, tennis courts, pickleball, bocce, billiards, shuffleboard, social clubs, and countless activities designed to keep you active and engaged. Ideally located just minutes from pristine beaches, championship golf, and the renowned dining, shopping, and entertainment destinations of downtown Delray Beach and Boca Raton. The monthly maintenance fee of just $595 provides outstanding value and includes high-speed internet, expanded cable service, water, sewer, trash removal, pest control, exterior building maintenance, roof maintenance, professional management, and full access to all community amenities. Whether you're searching for a year-round residence or the perfect seasonal retreat, this turnkey home offers the carefree Florida lifestyle you've been dreaming of.
Why we flagged this one
A transparent review of current MLS facts—not a paid placement.
135 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.
Building health
- Building
- 49· MLS
- Year built
- 1979· MLS
- Stories
- 2· MLS
- Units
- Not provided —
- Milestone inspection
- Not provided —
- Milestone date
- Not provided —
- SIRS
- Not provided —
- SIRS date
- Not provided —
- Special assessments
- Not provided —
- Assessment amount
- Not provided —
- Assessment purpose
- Not provided —
- Assessment due date
- Not provided —
- Reserves
- Not provided —
- Minimum lease term
- Not provided —
- Rentals per year
- Not provided —
- Pet rules
- Yes, Number Limit, Cats Only, Pet Restrictions Possible· MLS
- Age restriction (55+)
- Not provided —
- HOA fee
- $595 / month · billed Monthly· MLS
Last updated Not provided, source: MLS remarks —
Always review the association's milestone inspection report, SIRS, budget and the last 24 months of board minutes before you buy.
Property Details
Cats
Welcome per listing rules
Your costs (est.)
≈ $1,757/mo
1101 Cactus Terrace 203, Delray Beach, FL 33445 · Delray Beach
Location
1101 Cactus Terrace 203, Delray Beach, FL 33445
What buyers ask about this home
What are the estimated monthly carrying costs at 1101 Cactus Terrace 203, Delray Beach, FL 33445?+
Property tax (after sale): $190/month est.; homeowners insurance: $0/month est.; HOA: $595/month. Fixed ownership costs before a mortgage: $785/month est. Principal and interest: $973/month; PMI: $0/month. Total for the payment scenario shown: $1,757/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 1101 Cactus Terrace 203, Delray Beach, FL 33445?+
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 1101 Cactus Terrace 203, Delray Beach, FL 33445 need flood insurance, and what drives the premium?+
Most of Delray 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 1101 Cactus Terrace 203, Delray Beach, FL 33445?+
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 1101 Cactus Terrace 203, Delray Beach, FL 33445 be rented out?+
Rental rules are set by the association's documents, not the MLS. Many Delray 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 1101 Cactus Terrace 203, Delray Beach, FL 33445?+
This listing has been on the market 135 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
Delray Beach. Walkable Atlantic Avenue, award-winning beach, and a vibrant gallery + dining scene.
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
Orchard View Elementary School
Elementary · 1.1 mi from this home · 4050 Germantown Rd, Delray 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
ST. Andrews School Of Boca Raton Inc
Pre-K & Kindergarten · Private · Catholic · Grades PK–12 · Boca Raton
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?
$187,500 · MLS B26039441
$187,500
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