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+29 photosLuxury condo — 12 SE 1st Avenue 301 · Royal Atlantic In Delray Beach Condo · Delray Beach
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Open property magazine$990,000
12 SE 1st Avenue 301, Delray Beach, FL 33444
Delray Beach, FL, 33444
2 bd · 2 ba · 1,270 sqft
Listed by Coldwell Banker Realty
12 SE 1st Avenue 301, Delray Beach, FL 33444
Listed by Coldwell Banker Realty
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.
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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 · Conforming loan
Principal, interest, taxes and insurance, HOA. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $5,137/mo
- Property tax (after sale) est.
- $1,001/mo
- Insurance included in HOA
- $0/mo
- HOA
- $1,106/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
12 SE 1st Avenue 301, Delray Beach, FL 33444
Estimated cash to close est.
$208,833.33
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): $792,000.00Conforming loan
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.
$208,833.33
- Down payment est.
- $198,000.00
- Mortgage note documentary stamps est.
- $2,772.00
- Mortgage intangible tax est.
- $1,584.00
- 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.
- $2,002.33
- 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: Nov 4, 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 4, 2026
- Roof type
- Tar Gravel
- Roof year
- Not provided —
- Impact windows / doors
- Impact Glass (Complete)
- Shutters
- Not provided —
- Window features
- Storm Window(S)
- Year built
- 2007
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 homesRare Downtown Delray Beach Penthouse Opportunity with an Expansive Private Rooftop Terrace and Deeded Garage! Experience the ultimate South Florida lifestyle just steps from award-winning Atlantic Avenue, where you'll enjoy an incredible selection of restaurants, boutique shops, art galleries, entertainment, fitness facilities, tennis, pickleball, and the beautiful beaches of Delray. Nestled within The Royal Atlantic, a desirable boutique-style condominium building, this beautifully renovated 2-bedroom, 2-bathroom penthouse corner residence offers a rare combination of luxury, privacy, outdoor living, and an unbeatable location. From the moment you enter, you'll appreciate the abundance of natural light, soaring 10-foot ceilings, coastal-inspired design, and thoughtfully selected upgrades throughout. The spacious open-concept floor plan offers exceptional flexibility for everyday living and entertaining. At the heart of the home is a stunning chef-inspired kitchen featuring beautiful quartz countertops, stainless steel appliances, abundant cabinetry and storage, a breakfast bar, and an oversized farmhouse-style sink. Additional interior highlights include elegant marble flooring, warm wood-look tile flooring in the bedrooms, crown molding, and hurricane-impact windows and doors. The spacious primary suite offers dual closets, an ensuite bathroom with dual sinks, and a private balcony, creating a relaxing retreat. The true showstopper is the expansive private rooftop terrace! This incredible outdoor living space offers sweeping views and a rare opportunity to enjoy the South Florida sunshine, relax, or entertain. It's an exceptional extension of the home's living space and a feature rarely found in downtown condominium living. Another extraordinary addition is the private deeded garage, a highly desirable feature in the heart of Downtown Delray Beach. Additional peace of mind comes from a professionally managed condominium association with a completed Structural Integrity Reserve Study (SIRS), reserves reported to be in compliance with the study, and no currently planned special assessments. This exceptional penthouse offers the perfect combination of luxury, location, privacy, and convenience. Schedule your private showing today!
Building health
- Building
- ROYAL ATLANTIC IN DELRAY BEACH CONDO· MLS
- Year built
- 2007· 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, Breed Restrictions, Size Limit· MLS
- Age restriction (55+)
- Not provided —
- HOA fee
- $1,105.67 / month · billed Quarterly· 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
Dogs
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Cats
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Breed restrictions
Some breeds not accepted
Your costs (est.)
≈ $7,244/mo
12 SE 1st Avenue 301, Delray Beach, FL 33444 · Delray Beach
Location
12 SE 1st Avenue 301, Delray Beach, FL 33444
What buyers ask about this home
What are the estimated monthly carrying costs at 12 SE 1st Avenue 301, Delray Beach, FL 33444?+
Property tax (after sale): $1,001/month est.; homeowners insurance: $0/month est.; HOA: $1,106/month. Fixed ownership costs before a mortgage: $2,107/month est. Principal and interest: $5,137/month; PMI: $0/month. Total for the payment scenario shown: $7,244/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 12 SE 1st Avenue 301, 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 12 SE 1st Avenue 301, 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 I check about the association before buying 12 SE 1st Avenue 301, Delray Beach, FL 33444?+
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 12 SE 1st Avenue 301, Delray Beach, FL 33444 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 12 SE 1st Avenue 301, Delray Beach, FL 33444?+
This listing has been on the market 23 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 · 1.9 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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Simon Gedz
Realtor® since 1995
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