luxury

$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

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

$8,264/ month

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.

About This Property

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Rare 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.

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

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Simon Gedz, South Florida luxury real estate specialist

Simon Gedz

Realtor® since 1995