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+30 photosLuxury home — 112 N Swinton Avenue · Delray Town Of · Delray Beach




































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Open property magazine$1,295,000
112 N Swinton Avenue, Delray Beach, FL 33444
Delray Beach, FL, 33444
2 bd · 2 ba · 1,200 sqft
Listed by Houseworks Real Estate
112 N Swinton Avenue, Delray Beach, FL 33444
Listed by Houseworks Real Estate
This home is no longer available for a tour.
It is pending or sold, so it cannot be added to a tour day. Ask Simon about similar homes you can still see.
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 · Jumbo loan
Jumbo loan: put down about $462,250 or more to stay conforming. What's different?
- A bigger down payment, often 10–20% or more
- A higher credit score, often 700+
- More cash reserves, often 6–12 months of payments
- Full income documentation, sometimes a second appraisal on large loans
Other options: Conforming first mortgage plus a home equity loan for the rest ("piggyback"); Portfolio or private bank loans; Cash. Each lender sets its own rules.
Principal, interest, taxes and insurance. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $6,719/mo
- Property tax (after sale) est.
- $1,310/mo
- Homeowners insurance est.
- $235/mo
- HOA
- $0/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
112 N Swinton Avenue, Delray Beach, FL 33444
Estimated cash to close est.
$275,088.00
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): $1,036,000.00Jumbo loan
Above the 2026 $832,750.00 limit, so the daily jumbo rate is used. Put down about $462,250.00 or more to stay conforming.
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.
$275,088.00
- Down payment est.
- $259,000.00
- Mortgage note documentary stamps est.
- $3,626.00
- Mortgage intangible tax est.
- $2,072.00
- 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.
- $2,619.17
- Insurance escrow (2 months) est.
- $470.83
- First-year insurance premium est.
- $2,825.00
- 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.
- $235 / month
Source: FEMA National Flood Hazard Layer · Date checked: Nov 5, 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: Nov 5, 2026
- Roof type
- Shingle
- Roof year
- Not provided —
- Impact windows / doors
- Not provided —
- Shutters
- Not provided —
- Window features
- Not provided —
- Year built
- 1948
Homeowners insurance: $235 / month est.
- Annual premium est.
- $2,520
- Fees & taxes est.
- $305
- Annual total est.
- $2,825
- Likely range est.
- $2,401–$3,390
- Dwelling coverage est.
- $300,000
- Other structures est.
- $6,000
- Personal property est.
- $60,000
- Loss of use est.
- $30,000
- Hurricane deductible (2%) est.
- $6,000
Based on the listing: 1,200 sq ft · built 1948 · 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 homesRare opportunity in the Old School Square Historic District: a fully approved, architect-designed historic renovation ready to break ground — no waiting on approvals, no guessing on scope. Actual plans convey with the property. This charming 1940s cottage has already cleared the hardest hurdles in a historic restoration, giving a builder or owner-investor a true head start on one of downtown Delray Beach's most sought-after streets. The full construction document set has been reviewed and approved by the City of Delray Beach and the Historic Preservation Board. The approved scope includes a complete interior remodel, all-new doors and windows throughout, and a thoughtful rear porch enclosure that adds functional living space while preserving the home's historic street presence. In other words: the vision, the paperwork, and the permitting runway are already done. What's left is the build. Walk the property today and you'll see the raw potential — original hardwood floors, a classic bay-window nook that floods the front rooms with light, generous ceiling height, and a floor plan with genuine 1920s bones. The kitchen, baths, and mechanical systems are ready for a full gut-and-rebuild, and the approved plans lay out exactly how to bring this home into modern, move-in-ready condition without sacrificing the historic detail that makes Old School Square such a desirable address. Outside, the fenced backyard offers privacy and mature shade trees, plus a detached one-car garage/workshop structure — a rare bonus for a downtown historic lot, useful for storage, a workshop, or your favorite car. The lot's location puts a future owner a block away from Atlantic Avenue's restaurants and shops, Old School Square's cultural campus, and the rest of downtown Delray's dining, art, and entertainment scene. This is a compelling opportunity for a builder, contractor, or design-minded buyer looking for a project where the entitlement risk has already been removed. Historic renovations typically stall for months (or longer) in design and approval before a single hammer swings — this one is past that stage. The included renderings show the finished vision: a soft seafoam-toned cottage with crisp white trim, a welcoming covered front porch, brick walkway, and layered tropical landscaping — the kind of curb appeal that turns a quiet old home into a showplace. Being located in the Old School Square Historic District (OSSHAD zoning) means this property can benefit from Delray Beach's historic preservation 10 year tax incentives while contributing to the character of one of the city's most storied residential pockets — a neighborhood of restored bungalows, mature oak canopies, and brick-lined sidewalks just blocks from the heart of downtown. Sold as-is, with all architectural plans, historic approval documentation, and permitting history to convey to the buyer, allowing for a fast start to construction. This is a turnkey opportunity for the right buyer: someone who sees not a fixer-upper, but a nearly shovel-ready restoration with the creative and financial upside already built in. Whether you're a contractor seeking your next signature historic project, an investor looking for a fast path to a finished, sellable showplace, or a buyer who has always dreamed of restoring a piece of Delray's history with your own hands — 112 N. Swinton Avenue offers the rare combination of historic charm, approved plans, and a location that can't be replicated. Don't miss this chance to skip the red tape and start building the vision.
Property Details

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Your costs (est.)
≈ $8,264/mo
112 N Swinton Avenue, Delray Beach, FL 33444 · Delray Beach
Location
112 N Swinton Avenue, Delray Beach, FL 33444
What buyers ask about this home
What are the estimated monthly carrying costs at 112 N Swinton Avenue, Delray Beach, FL 33444?+
Property tax (after sale): $1,310/month est.; homeowners insurance: $235/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $1,545/month est. Principal and interest: $6,719/month; PMI: $0/month. Total for the payment scenario shown: $8,264/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 112 N Swinton 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 112 N Swinton 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 112 N Swinton 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 112 N Swinton Avenue, Delray Beach, FL 33444?+
This listing has been on the market 34 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 · 1.7 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.
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