1 / 34



+29 photosFirst floor corner — 1111 Lemon Tree Terrace 104 · Pines Of Delray · Delray Beach



































South Florida Luxury Living
Property Magazine
Your home in print
A magazine dedicated to 1111 Lemon Tree Terrace 104, Delray Beach, FL 33445
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$210,000
1111 Lemon Tree Terrace 104, Delray Beach, FL 33445
Delray Beach, FL, 33445
Listed by Coldwell Banker
1111 Lemon Tree Terrace 104, Delray Beach, FL 33445
Listed by Coldwell Banker
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, HOA. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $1,090/mo
- Property tax (after sale) est.
- $212/mo
- Insurance included in HOA
- $0/mo
- HOA
- $595/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
1111 Lemon Tree Terrace 104, Delray Beach, FL 33445
Estimated cash to close est.
$47,823.67
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): $168,000.00
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.
$47,823.67
- Down payment est.
- $42,000.00
- Mortgage note documentary stamps est.
- $588.00
- Mortgage intangible tax est.
- $336.00
- 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.
- $424.67
- Insurance escrow (2 months) est.
- $0.00
- First-year insurance premium est.
- $0.00
- 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.
- $0 / 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
- Composition
- Roof year
- Not provided —
- Impact windows / doors
- Not provided —
- Shutters
- Accordion Shutters (Complete), Storm Shutters
- Window features
- Single Hung Metal
- Year built
- 1977
Homeowners insurance: $0 / month est.
Association insurance is included in the stated HOA fee. Confirm separate unit-owner coverage with an 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 homesWelcome to this highly sought-after first-floor corner unit in a charming 8-plex, offering an expansive 1,167 sq ft of contemporary living space -with new 47" x 7" vinyl floor in all living areas and bedrooms. The unit also features a spacious eat-in kitchen with 7 feet of extended cabinetry and countertop.Enjoy the comfort of a sizable master bedroom complete with two walk-in closets and a modern en-suite bathroom, alongside a second bedroom that also boasts its own full modern bath. Step outside to your inviting 128 sqft screened patio, perfect for relaxation or entertaining guests, equipped with accordion shutter-protected sliding glass doors and stylish white tile flooring. Additional outdoor space includes a covered open patio just outside the front door, enhancing your enjoyment. HIGHLY SOUGHT AFTER 1st floor CORNER 8-PLEX UNIT spanning an impressive 1167 square feet of living area that includes a 17 ft long eat-in kitchen; a 29 ft long living room/dining area, a 192 sqft master bedroom with a modern bathroom and 2 walk-in closets and a 2nd bedroom with full modern bathroom. THERE'S ALSO AN INVITING 128 SQUARE FOOT SCREENED PATIO Accessed through accordion shutter-protected sliding glass doors from the living room and designed for both relaxation and entertaining. the patio features white tile flooring; 4 sets of acrylic horizontal sliding windows and a paddle fan. PLUS there's an 13 foot x 7 foot covered open patio outside the front door for your usage. JELD-WEN IMPACT FRONT DOOR Wood edge impact glazed steel door with a Larson"screenaway" screen door. FEATURES THROUGHOUT MOST OF UNIT: *5 inch tall square edge baseboards *Rocker light switches *5 paddle fans *Smooth ceilings in hallway, kitchen, dining area and living room ACCORDION HURRICANE SHUTTERS ON ALL WINDOWS & SLIDERS Bertha HV Accordion Shutter System Material Type - T6-6063 Aluminum power coated Interlocking slats / blades; USA Gauge - 0.55mm blades - .062mm knuckles; 100% Miami-Dade (HVHZ) FBC Hurricane Approved . EAT-IN KITCHEN with 7 feet of extended cabinetry and countertop. FLOORING: White tile in kitchen; 48" x 7" vinyl in hallway-dining area-living room. BATHROOMS: Stunning walk-in shower in master bathroom with 24"x12" porcelain tile flooring and 24"x 12" porcelain tile walls inside shower; a granite-top "windsor mahogany" vanity in master dressing area; and a contemporary shower stall and vanity in guest bathroom with 24" x 12" porcelain tile flooring and walls inside shower stall. EQUIPMENT BRADFORD WHITE WATER HEATER M# RE130L6-1NCWW 28 gallon tank, hard-wired; 240/208 VAC, 4500 watt heating elements, 0.92 Energy Factor, Hydrojet® total performance system; Protective magnesium anode rod; Vitraglas Lining with Microban. TRANE/AMERICAN STANDARD AIR CONDITIONING SYSTEM CONDENSER (on right side of building) M# 2TTR1024A1 000AA HANDLER (inside closet of 2nd bathroom) M# 2TFB4024A1 D08AA 2-ton system; 11.5 EER; 75dB; scroll compressor. Updated Cement Slab Underneath Condensor. GE POWERMARK GOLD LOAD CENTER (ELECTRICAL PANEL) SIEMENS AC ELECTRICAL DISCONNECT BOX (OUTSIDE) VIVE THERMOSTAT M# TP-N-701 4 square inch display; blue backlight; glow-in-the-dark light button. APPLIANCES VISSANI (BY MAGIC CHEF) REFRIGERATOR M# MDBF18SS 18.7 cu. ft. Bottom Freezer Refrigerator in Stainless Steel; Adjustable Door Storage, Deli Drawer, Gallon Door Storage, Removable Shelves, Spill Proof Shelves; Sliding-Bulk Storage Baskets in freezer . GE RANGE M# JBP66W0B4WW Spectra 30" Free-Standing QuickClean Electric Range • Self-Clean Oven • Super-Large Oven Capacity (5 cubic ft) • TrueTemp System • QuickSet Oven Controls • Ceramic Glass Cooktop - • Ribbon Heating Elements • Big ClearView Window 6" Heating Element(s) ; 2 Ribbon (1,500W); 8" Heating Element (s); 2 Ribbon (2,000W) KENMORE (by Whirlpool) DISHWASHER M# 665.16632401 Ultra Wash - QuietGuard4; Wash options: Smart Wash/Pots&Pans /Normal Wash/China Wash/Quick Rinse/Hi Temp Wash/Sani Rinse KENMORE (By GE) MICROWAVE M# 363.63672201 With convection technology. INSINKERATOR DISPOSAL M: Badger 500 Features a 1/2 HP heavy-duty Dura-Drive induction motor; rugged galvanized steel grind components with stainless steel swivel lugs; a 26 oz. grind chamber capacity. The information provided on these pages is not warranted nor guaranteed as 100% accurate. It is subject to inadvertent error, omission, miscalculation, misinterpretation and misinformation. It has not been independently verified that all the features shown for the appliances and equipment actually exist-as the features are taken from the manufacturer's on-line specs about that model number and features may have been modified or eliminated by the manufacturer without the updating of the information on-line. All measurements, dimensions, capacities, sizes, materials used, monetary figures, rules & regs and buyer guidelines shown are not warranted nor guaranteed .. BUYER GUIDELINES: At least one approved occupant must be 55+; approved co-occupants must be 18+ but can only be in residence when a 55+ approved occupant is in residence at the same time; up to 2 indoor cats, 2 caged birds and tropical fish are welcome as pets; owner and guest parking is limited to automobiles, SUVs, non-business passenger vans, motorcycles and small personal non-commercial open bedded pickup trucks (with no visible signage, tools or equipment); all vehicles must fit within the white stripes of parking spaces in both length and width; after 18 months of ownership owners are eligible to lease out their unit (approved leases must be for a 4 month minimum) and only one lease is allowed per 12 month period); title to a property cannot be taken by an LLC, a corporation, business trust, business partnership or business co-ownership; however title can be in a personal or family trust, a non-business partnership or co-ownership, a life estate or a Lady Bird Deed; a minimum credit score of 650 is required of all buyers on the purchase contract; no business can be run out of a unit where customers or clients come to the unit or onto the common grounds; no smoking is permitted within 50 feet of a building, on catwalks, stairwells or non-enclosed patio areas in back or in front of a unit; seller financing or private financing is not permitted; you can have guests stay in the unit without the owner being present(with association approval) for a maximum of 30-days per calendar year; wind-chimes/noise-makers cannot be hung outside.
Building health
- Building
- PINES OF DELRAY· MLS
- Year built
- 1977· 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, 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
1111 Lemon Tree Terrace 104, Delray Beach, FL 33445 · Delray Beach
Location
1111 Lemon Tree Terrace 104, Delray Beach, FL 33445
What buyers ask about this home
What are the estimated monthly carrying costs at 1111 Lemon Tree Terrace 104, Delray Beach, FL 33445?+
Property tax (after sale): $212/month est.; homeowners insurance: $0/month est.; HOA: $595/month. Fixed ownership costs before a mortgage: $807/month est. Principal and interest: $1,090/month; PMI: $0/month. Total for the payment scenario shown: $1,897/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 1111 Lemon Tree Terrace 104, 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 1111 Lemon Tree Terrace 104, 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 1111 Lemon Tree Terrace 104, 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 1111 Lemon Tree Terrace 104, 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 1111 Lemon Tree Terrace 104, Delray Beach, FL 33445?+
This listing has been on the market 41 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.

1030 Citrus Way 204, Delray Beach, FL 33445
Listed by Coldwell Banker
PINES OF DELRAY CONDO
2 bd · 2 ba · 1,167 sq ft
$265,000
View details
1205 Crystal Way A, Delray Beach, FL 33444
Listed by United Realty Group, Inc
BAHIA AT DELRAY CONDO
2 bd · 2 ba · 1,033 sq ft
$279,000
View details
5160 Las Verdes Circle 103, Delray Beach, FL 33484
Listed by Home Sold Realty LLC
SEAGRAPE COND DECL FILED 12-19-80
2 bd · 2 ba · 952 sq ft
$234,900
View details
1215 S DRIVE Way D, Delray Beach, FL 33445
Listed by Coldwell Banker Realty
HIGH POINT OF DELRAY SEC 5 CONDO
2 bd · 2 ba · 1,080 sq ft
$143,900
View details730 GREENSWARD Court 210-J, Delray Beach, FL 33445
Listed by LoKation
GREENSWARD VILLAGE CONDO
2 bd · 2 ba · 1,731 sq ft
$519,000
View details
2455 Lindell Boulevard 3304, Delray Beach, FL 33444
Listed by Florida Royal Properties LLC
LAVERS DELRAY RACQUET CLUB CONDO
2 bd · 2 ba · 1,175 sq ft
$425,000
View details