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+49 photosKitchen — 3505 Oaks Way 109 · No 115 Palm-Aire Country Club · Pompano Beach
South Florida Luxury Living
Property Magazine
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A magazine dedicated to 3505 Oaks Way 109, Pompano Beach, FL 33069
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$337,500
3505 Oaks Way 109, Pompano Beach, FL 33069
Pompano Beach, FL, 33069
Listed by Janinesworld Realty
3505 Oaks Way 109, Pompano Beach, FL 33069
Listed by Janinesworld 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.
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
- $1,751/mo
- Property tax (after sale) est.
- $338/mo
- Insurance included in HOA
- $0/mo
- HOA
- $1,045/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
3505 Oaks Way 109, Pompano Beach, FL 33069
Estimated cash to close est.
$75,898.00
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): $270,000.00
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.
$75,898.00
- Down payment est.
- $67,500.00
- Mortgage note documentary stamps est.
- $945.00
- Mortgage intangible tax est.
- $540.00
- 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.
- $1,763.00
- 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.
- $675.00
- 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 23, 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 23, 2026
- Roof type
- Flat
- Roof year
- 2024 (per listing remarks)
- Impact windows / doors
- Impact Glass (Complete)
- Shutters
- Accordion Shutters (Partial)
- Window features
- Blinds
- Year built
- 1981
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 homes*Reduced price and ask about the BUYER INCENTIVES* If you have been waiting for a Palm Aire condo that offers peace, privacy, and personality, then this is it! Custom renovation with thoughtful updates and special touches in this F model 3 BR/2.5 BA ground-floor condo. Neutral ceramic tile flooring throughout the unit. Patio slider has an accordion hurricane shutter, and all other windows are IMPACT. The primary suite offers something you don't see in Palm Aire, a real bedroom door plus a primary bathroom suite separated by another door and wall of extra storage + an expansive walk-in closet. Only a Shower in primary bathroom that has a seat/bench for comfort. New AC 2025, dishwasher, washing machine, custom louvered shutters in kitchen, living rm, & bedrooms 2 &3; oversized baseboards; Kitchen has cherry-wood cabinets, granite countertops, S/S appliances, & a spice rack pullout. Bathroom #2 has a sunken tub, creating a luxurious five-star spa-like feel. The half bath has hanging decorative art that looks like it is painted. Side by side washer and dryer in laundry closet. Major improvements have already been made. 40-year concrete restoration complete; parking lot paved 2025, new roof 2024, and no pending assessments. PICKLEBALL and TENNIS nearby at George Brummer Park, jogging and walking paths, and plenty of nature. Three updated pool rec areas with grills and clubroom with card tables and couches and a mini kitchen. Maintenance includes Internet, Cable, water, trash and sewer. Association requires minimum 10% down, 700+ credit score, own 1 year prior to renting. Ring doorbell and nest thermostat convey. Wine refrigerator and televisions do not convey.
Building health
- Building
- Building 115· MLS
- Year built
- 1981· MLS
- Stories
- 5· 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
- No· MLS
- Age restriction (55+)
- Not provided —
- HOA fee
- $1,045 / 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
3505 Oaks Way 109, Pompano Beach, FL 33069 · Pompano Beach
Location
3505 Oaks Way 109, Pompano Beach, FL 33069
What buyers ask about this home
What are the estimated monthly carrying costs at 3505 Oaks Way 109, Pompano Beach, FL 33069?+
Property tax (after sale): $338/month est.; homeowners insurance: $0/month est.; HOA: $1,045/month. Fixed ownership costs before a mortgage: $1,383/month est. Principal and interest: $1,751/month; PMI: $0/month. Total for the payment scenario shown: $3,134/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 3505 Oaks Way 109, Pompano Beach, FL 33069?+
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 3505 Oaks Way 109, Pompano Beach, FL 33069 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 3505 Oaks Way 109, Pompano Beach, FL 33069?+
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 3505 Oaks Way 109, Pompano Beach, FL 33069 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 3505 Oaks Way 109, Pompano Beach, FL 33069?+
This listing has been on the market 25 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 · 3.5 mi from this home · 310 Ne 6Th St, Pompano Beach
Zone boundaries published by Broward County Public Schools.
Other options for this address
Imagine Charter School At North Lauderdale Elementary
Elementary · Charter · Grades PK–5 · North Lauderdale
Somerset Preparatory Academy Charter High At North Lauderda
High school · Charter · Grades 9–12 · North Lauderdale
Abundant Life Christian Academy
Pre-K & Kindergarten · Private · Christian · Grades PK–12 · Margate
Rhema Word Christian Academy
Pre-K & Kindergarten · Private · Christian · Grades K–12 · Fort Lauderdale
Millennium Leadership Christian Academy Inc
Pre-K & Kindergarten · Private · Christian · Grades PK–12 · Parkland
School assignment is set by the district and can change. Always confirm the zoned school with the district before you buy.
Simon Gedz
Realtor® since 1995
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