1 / 7
+2 photosLuxury home — 1107 W ATLANTIC Avenue · Delray Beach
South Florida Luxury Living
Property Magazine
Your home in print
A magazine dedicated to 1107 W ATLANTIC Avenue, Delray Beach, FL 33444
A photo-rich, always-current edition with the home’s details, neighborhood lifestyle, assigned and nearby schools, ownership planning, and applicable waterfront guidance.
Open property magazine$7,500
1107 W ATLANTIC Avenue, Delray Beach, FL 33444
Delray Beach, FL, 33444
Listed by Keyes Commercial North
1107 W ATLANTIC Avenue, Delray Beach, FL 33444
Listed by Keyes Commercial North
Add this home to your tour day
Pick up to 6 homes. Simon confirms times with each listing agent, then sends you the final schedule.
0 of 6 homes in your tour
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
20% down · 6.75% interest · 30-year loan
Principal, interest, taxes and insurance. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $259/mo
- Property tax (after sale) est.
- $8/mo
- Homeowners insurance est.
- $240/mo
- HOA
- $0/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
1107 W ATLANTIC Avenue, Delray Beach, FL 33444
Estimated cash to close est.
$9,383.17
Down payment plus Florida taxes, title, lender and prepaid costs.
Partial estimate: unknown amounts are excluded. Ask Simon to verify them.
Estimate only. Your lender's Loan Estimate and the title company's closing disclosure are the final numbers. Not financial advice.
Estimate only, not guaranteed. Verify before you buy or sell.
Loan amount (calculated): $6,000.00
Current site planning rate. Rate does not change the taxes or fees below. Prepaid interest is not included.
Edit closing costs & prepaids
Assumes both policies cover identical land and dates, with loan coverage within owner coverage—even if the seller pays owner title. Minimum lender premium $25. Turn off if not eligible. Endorsement allowance defaults to one $25 endorsement; actual requirements and premiums vary (Florida 69O-186.005).
Appraisal starts at $650. Waterfront and luxury homes may require a higher fee; confirm with your lender.
Tax uses existing ZIP estimates (after sale); insurance uses existing site estimates. Edit with your quote. If HOA insurance is included, confirm separate unit-owner coverage. Missing HOA costs are excluded—not assumed zero.
Estimated cash to close est.
$9,383.17
- Down payment est.
- $1,500.00
- Mortgage note documentary stamps est.
- $21.00
- Mortgage intangible tax est.
- $12.00
- Lender’s title insurance est.
- $25.00
- Lender title endorsements est.
- $25.00
- Lender fees est.
- $1,500.00
- Appraisal est.
- $650.00
- Title search & examination est.
- $125.00
- Municipal lien search est.
- $150.00
- Settlement / closing fee est.
- $450.00
- County recording (deed) est.
- $30.00
- County recording (mortgage) est.
- $120.00
- Inspection, wind mitigation & 4-point est.
- $900.00
- Survey est.
- $500.00
- Property tax escrow (2 months, after sale) est.
- $15.17
- Insurance escrow (2 months) est.
- $480.00
- First-year insurance premium est.
- $2,880.00
- HOA / condo contribution or transfer est.
- Not provided
Partial estimate: unknown amounts are excluded. Ask Simon to verify them.
Mortgage stamps: $0.35 per $100 or fraction. Intangible tax: 0.2% of loan. Title uses Florida 69O-186.003 base rates. Assumes 2 months of tax/insurance escrow for financed purchases plus first-year insurance; cash purchases have no lender escrow.
Before deposits and credits. Prepaid interest and other contract costs are not included. Discounts and title endorsements must be confirmed by the title company. Title search, municipal lien search, settlement and recording are pass-through title company charges for cash and financed buyers alike; the municipal lien search is priced by each city and can run higher (e.g. Boca Raton $150, Coral Gables $220).
Estimate only. Your lender's Loan Estimate and the title company's closing disclosure are the final numbers. Not financial advice.
Estimate only, not guaranteed. Verify before you buy or sell.
Insurance & flood
- Flood zone (FEMA)
- Not available —
- Homeowners insurance est.
- $240 / month
Source: FEMA National Flood Hazard Layer · Date checked: Oct 22, 2026
Insurance estimates vary widely. Get a real quote before you make an offer.
Estimate only, not guaranteed. Verify before you buy or sell.
Flood zone: Not available —
Source: FEMA National Flood Hazard Layer · Date checked: Oct 22, 2026
- Roof type
- Not provided —
- Roof year
- Not provided —
- Impact windows / doors
- Not provided —
- Shutters
- Not provided —
- Window features
- Not provided —
- Year built
- 1945
Homeowners insurance: $240 / month est.
- Annual premium est.
- $2,575
- Fees & taxes est.
- $305
- Annual total est.
- $2,880
- Likely range est.
- $2,448–$3,456
- Dwelling coverage est.
- $306,500
- Other structures est.
- $6,130
- Personal property est.
- $61,300
- Loss of use est.
- $30,650
- Hurricane deductible (2%) est.
- $6,130
Based on the listing: 1,226 sq ft · built 1945 · one story.
Dwelling coverage uses living area × county rebuilding cost. Selling price and land value are not included. The monthly estimate includes fees and applicable taxes.
Broward inland rates were calibrated against two supplied policies; other county and coastal rates have not yet been calibrated against real quotes.
Assumed where the listing is silent: concrete-block construction · inland rating band · roof 6–15 years old · gable roof · standard finish · 2% hurricane deductible · admitted carrier; no surplus-lines tax. A newer roof, a hip roof shape, or a higher deductible can lower the premium; frame construction can raise it.
Educational estimate only, not an insurance quote. Actual premiums depend on the carrier, inspections, discounts, and underwriting. Flood insurance not included. Simon Gedz is a Realtor, not a licensed insurance agent.
The FEMA map is a strong indication, not the final answer: your lender orders its own flood zone determination. Cash buyers are not required to carry flood insurance, but on the water it is strongly recommended.
Florida rule: by 2027, Citizens policyholders must carry flood insurance even outside a flood zone, unless the Citizens policy excludes wind coverage. The FEMA map does not show this.
How flood insurance is priced (FEMA Risk Rating 2.0)
Flood insurance is priced home by home, so two neighbors on the same canal can pay very different amounts. Premiums depend on the home's elevation (first-floor height above the expected flood level), distance to water (ocean, Intracoastal, canal or river), the type of flood risk (storm surge, heavy rain or river overflow), the cost to rebuild, the foundation and construction type, and past flood claims on the property.
Federal flood insurance (NFIP) pays at most $250,000 for the building and $100,000 for contents. A luxury waterfront home needs private flood insurance or an "excess flood" policy on top.
Before an offer: pull the official FEMA flood map (FIRMette), ask the seller for an elevation certificate (it largely decides the price), ask whether the seller's existing NFIP policy can be transferred to you (sometimes at a lower rate), and have an insurance agent check prior flood claims (CLUE report). New NFIP policies usually have a 30-day wait before they take effect — don't leave it until the week of closing.
Insurance estimates vary widely. Get a real quote before you make an offer.
Estimate only, not guaranteed. Verify before you buy or sell.
About This Property
Find similar homes1107 W. Atlantic Ave, Delray Beach, Florida FOR LEASE - DOWNTOWN DELRAY BEACH Lease Rate: $7,500 per month Gross Term: Minimum 3-Year Lease Zoning: CBD - Central Business District Condition: Move-In Ready Use: Retail / Office / Coffee Shop. Position your business in the heart of Downtown Delray Beach along the highly visible West Atlantic Avenue corridor. This move-in-ready space is located within the City of Delray Beach's CBD (Central Business District) zoning, allowing retail, office, and coffee shop are just a few of uses. The property offers strong street exposure, walkability, and immediate access to downtown amenities, restaurants, galleries, and residential density. A gross lease at $7,500 per month provides predictable occupancy costs, making this an ideal opportunity for retail 1107 W. Atlantic Ave, Delray Beach, Florida FOR LEASE - DOWNTOWN DELRAY BEACH Lease Rate: $7,500 per month Gross Term: Minimum 3-Year Lease Zoning: CBD - Central Business District Condition: Move-In Ready Use: Retail / Office / Coffee Shop Position your business in the heart of Downtown Delray Beach along the highly visible West Atlantic Avenue corridor. This move-in-ready space is located within the City of Delray Beach's CBD (Central Business District) zoning, allowing retail, office, and coffee shop are just a few of uses. The property offers strong street exposure, walkability, and immediate access to downtown amenities, restaurants, galleries, and residential density. A gross lease at $7,500 per month provides predictable occupancy costs, making this an ideal opportunity for retail brands, professional offices, or café concepts seeking a prime downtown presence. Ideal for: Retail • Professional Office • Creative Studio • Coffee Shop or Café ZONING & PERMITTED USES EXHIBIT CBD - Central Business District The following uses are permitted by right under CBD zoning, subject only to standard building, fire, and health department approvals: ? Retail Uses, General retail sales, ZONING & PERMITTED USES EXHIBIT CBD - Central Business District (Uses by Right) The following uses are permitted by right under CBD zoning, subject only to standard building, fire, and health department approvals: ? Retail Uses, General retail sales, Boutique and specialty shops, Art gallery, Gift and specialty food retail, Showroom (non-industrial), ? Office & Professional, General office Professional office (real estate, legal, accounting, insurance), Creative and design offices, Business services, Medical / wellness offices (non-invasive), ? Food & Beverage, (Limited Service), Coffee shop / café, Juice bar or smoothie shop, Bakery or dessert shop, Tea house, Grab-and-go food concepts, Light café use with minimal food prep, ? Mixed-Use Concepts, Retail with accessory office, Office with retail frontage, Gallery with accessory café, Coworking or shared office space, Boutique and specialty shops, Art gallery, Gift and specialty food retail, Showroom (non-industrial), ? Office & Professional, General office, Professional office (real estate, legal, accounting, insurance). Creative and design offices, Business services, Medical / wellness offices (non-invasive), ? Mixed-Use Concepts, Retail with accessory office, Office with retail frontage, Gallery with accessory café, Coworking or shared office space.
Property Details
1107 W ATLANTIC Avenue, Delray Beach, FL 33444 · Delray Beach
Location
1107 W ATLANTIC Avenue, Delray Beach, FL 33444
What buyers ask about this home
What are the estimated monthly carrying costs at 1107 W ATLANTIC Avenue, Delray Beach, FL 33444?+
Property tax (after sale): $8/month est.; homeowners insurance: $240/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $248/month est. Principal and interest: $39/month; PMI: $0/month. Total for the payment scenario shown: $286/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 1107 W ATLANTIC Avenue, Delray Beach, FL 33444?+
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 1107 W ATLANTIC Avenue, Delray Beach, FL 33444 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 an inspection focus on for a home like 1107 W ATLANTIC Avenue, Delray Beach, FL 33444?+
In coastal South Florida, prioritize roof age and permit history, whether windows and doors are impact-rated, the seawall and dock condition on waterfront lots, drainage and elevation, plumbing type (cast iron and polybutylene are common in homes of this era), and any open or expired permits with the city. These items, not cosmetics, drive both price and insurability.
Is there room to negotiate on 1107 W ATLANTIC Avenue, Delray Beach, FL 33444?+
This listing has been on the market 65 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
Plumosa School Of The Arts
Elementary · 2.0 mi from this home · 2501 Seacrest Blvd, 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
School assignment is set by the district and can change. Always confirm the zoned school with the district before you buy.
Simon Gedz
Realtor® since 1995
Interested in this property?
$7,500 · MLS B26065666
$7,500
1107 W ATLANTIC Avenue
226 Seville Boulevard, Delray Beach, FL 33446
Listed by Realty One Group Innovation
KINGS POINT SEVILLE CONDOS
1 bd · 2 ba · 720 sq ft
$67,000
View details542 Saxony L 542, Delray Beach, FL 33446
Listed by SNL International Realty, Corp
KINGS POINT SAXONY CONDOS
1 bd · 2 ba · 720 sq ft
$82,000
View details
769 Burgundy Q, Delray Beach, FL 33484
Listed by CENTURY 21 Tenace Realty
KINGS POINT BURGUNDY CONDOS
2 bd · 2 ba · 902 sq ft
$95,000
View details
186 TUSCANY C, Delray Beach, FL 33446
Listed by Keyes Company
KINGS POINT TUSCANY CONDOS
1 bd · 2 ba · 720 sq ft
$99,900
View details
325 PIEDMONT G, Delray Beach, FL 33484
Listed by Signature International Real E
KINGS POINT PIEDMONT CONDOS
2 bd · 2 ba · 910 sq ft
$117,500
View details
14527 BONAIRE Boulevard 109, Delray Beach, FL 33446
Listed by Coldwell Banker
VILLAGES OF ORIOLE BONAIRE
2 bd · 2 ba · 1,060 sq ft
$117,000
View details