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+58 photosAccuTour_01 2166-se-7th-st -078v — 2166 SE 7TH Street 2166 · Santa Barbara Estates Resub · Pompano Beach
































































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Open property magazine$2,250,000
2166 SE 7TH Street 2166, Pompano Beach, FL 33062
Pompano Beach, FL, 33062
Listed by Ryan Critch Real Estate
2166 SE 7TH Street 2166, Pompano Beach, FL 33062
Listed by Ryan Critch Real Estate
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 · Jumbo loan
Jumbo loan: put down about $1,417,250 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, HOA. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $11,675/mo
- Property tax (after sale) est.
- $3,734/mo
- Homeowners insurance est.
- $964/mo
- HOA
- $675/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
2166 SE 7TH Street 2166, Pompano Beach, FL 33062
Estimated cash to close est.
$493,533.00
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): $1,800,000.00Jumbo loan
Above the 2026 $832,750.00 limit, so the daily jumbo rate is used. Put down about $1,417,250.00 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.
$493,533.00
- Down payment est.
- $450,000.00
- Mortgage note documentary stamps est.
- $6,300.00
- Mortgage intangible tax est.
- $3,600.00
- Lender’s title insurance est.
- $25.00
- Lender title endorsements est.
- $25.00
- Lender fees est.
- $1,500.00
- Appraisal est.
- $650.00
- Owner’s title insurance est.
- $8,200.00
- 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.
- $7,467.83
- Insurance escrow (2 months) est.
- $1,927.17
- First-year insurance premium est.
- $11,563.00
- 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)
- Zone AE Coastal FloodplainFlood insurance required
- Homeowners insurance est.
- $964 / month
Flood insurance is required with a federally backed mortgage (FHA, VA, USDA, or a conventional loan from a federally regulated lender). The monthly insurance estimate above does not include flood insurance — see "Show details" for the flood rules and the official FEMA map.
Source: FEMA National Flood Hazard Layer · Date checked: Oct 29, 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: AE
High-risk mapped flood area (1% annual chance of flooding).
Source: FEMA National Flood Hazard Layer · Date checked: Oct 29, 2026
- Roof type
- Flat
- Roof year
- Not provided —
- Impact windows / doors
- Full impact windows (per listing remarks)
- Shutters
- Not provided —
- Window features
- Arched
- Year built
- 2010
Homeowners insurance: $964 / month est.
- Annual premium est.
- $11,258
- Fees & taxes est.
- $305
- Annual total est.
- $11,563
- Likely range est.
- $9,828–$13,875
- Dwelling coverage est.
- $1,439,606
- Other structures est.
- $28,792
- Personal property est.
- $287,921
- Loss of use est.
- $143,961
- Hurricane deductible (2%) est.
- $28,792
The estimated rebuild cost is above the Citizens Property Insurance coverage cap for this county, so this home would need a private carrier.
Based on the listing: 4,041 sq ft · built 2010 · 4 stories · impact windows / shutters · luxury finish level.
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 · coastal rating band · roof 6–15 years old · gable roof · 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.
Special Flood Hazard Area. With a federally backed mortgage (FHA, VA, USDA, or a conventional loan from a federally regulated lender), flood insurance is required.
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 exceptional 3-bed + Large Office/Den, 4-bath luxury waterfront townhome in Santa Barbara Estates, Pompano Beach, offering full impact windows, a private saltwater pool, dock slip directly behind the residence, private elevator, 2-car garage, and expansive rooftop terrace. Spanning four levels of thoughtfully designed waterfront living, the home features no-fixed-bridge ocean access, sweeping south-facing water views, a fully updated chef's kitchen, multiple balconies and outdoor living spaces, and a bright, open floor plan that keeps the water at the center of everyday living. A grand foyer with soaring ceilings welcomes you on the first floor, where a waterfront lounge with full wet bar opens directly to the fenced backyard, private pool, and dock. This is one of only seven residences in the community with its own pool, with pool maintenance included in the HOA. The dock slip is directly behind the residence for effortless access to the water. Upstairs, the main living level is bright and open, with large south-facing windows and sliding doors filling the space with natural light and wide waterfront views. Automatic shades provide privacy when desired. The renovated chef's kitchen features an oversized island, extensive cabinetry, quartz surfaces with matching backsplash, two sinks, stainless-steel appliances, wall oven, wall microwave, and statement vent hood. A private kitchen balcony, waterfront balcony, dining area, half bath, and dedicated laundry room with sink complete the second floor. The third floor features all bedrooms while maintaining privacy for the primary suite on the opposite side of the home. The spacious primary offers water views and an ensuite bath with dual vanities, soaking tub, separate shower, private water closet, and bidet. The fourth floor leads to a large private rooftop terrace overlooking the waterfront. The rooftop is protected by a multilayer, high-performance roofing system manufactured and warrantied by Sika Corporation. An additional office with custom built-ins and a Murphy bed provides flexible space for working from home or accommodating guests. A private elevator provides access to every level, while a Kind whole-home water filtration and UV purification system adds another thoughtful upgrade. Santa Barbara Estates offers an exceptional Pompano Beach waterfront lifestyle just minutes from the Intracoastal, Atlantic Ocean, beaches, dining, shopping, and entertainment. Publix is approximately 5 minutes away, with Whole Foods and Sprouts nearby, while Pompano Beach's revitalized oceanfront, fishing pier, waterfront parks, restaurants, and luxury resorts are approximately 5-7 minutes away. The surrounding area is well suited for walking, biking, and street-legal golf carts, with convenient access to golf, pickleball, parks, and other outdoor recreation. Boaters enjoy no-fixed-bridge access to the Intracoastal, Hillsboro Inlet, and Atlantic Ocean directly from the residence. For travel, FLL is approximately 20-25 minutes away, PBI 40-45 minutes, and MIA 45-50 minutes.
Property Details

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2166 SE 7TH Street 2166, Pompano Beach, FL 33062 · Pompano Beach
Location
2166 SE 7TH Street 2166, Pompano Beach, FL 33062
Dock & Draft Match™
Dock / slip — ask about dock
Boat fit not verified. Confirm dock length, depth, bridges and ocean access before buying.
One home, every check
Dock & Draft Match™ brings this home's dock length, low-water depth, every bridge, the ocean run, frontage and yacht size together in one place. Estimate only, not guaranteed. Verify before you buy or sell.
What buyers ask about this home
What are the estimated monthly carrying costs at 2166 SE 7TH Street 2166, Pompano Beach, FL 33062?+
Property tax (after sale): $3,734/month est.; homeowners insurance: $964/month est.; HOA: $675/month. Fixed ownership costs before a mortgage: $5,373/month est. Principal and interest: $11,675/month; PMI: $0/month. Total for the payment scenario shown: $17,047/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 2166 SE 7TH Street 2166, Pompano Beach, FL 33062?+
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 2166 SE 7TH Street 2166, Pompano Beach, FL 33062 need flood insurance, and what drives the premium?+
Most of Pompano 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 2166 SE 7TH Street 2166, Pompano Beach, FL 33062?+
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 2166 SE 7TH Street 2166, Pompano Beach, FL 33062 be rented out?+
Rental rules are set by the association's documents, not the MLS. Many Pompano 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 2166 SE 7TH Street 2166, Pompano Beach, FL 33062?+
This listing has been on the market 62 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
Pompano Beach. Resurging beachfront city with a new pier district, golf, and quick reach to both Fort Lauderdale and Boca.
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
Pompano Beach Middle School
Middle school · 1.4 mi from this home · 310 Ne 6Th St, Pompano Beach
Zone boundaries published by Broward County Public Schools.
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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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