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+39 photosFront View — 38 SW 10th Avenue · Palmetto Park Terrace · Boca Raton













































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Open property magazine$920,000
38 SW 10th Avenue, Boca Raton, FL 33486
Boca Raton, FL, 33486
Listed by One Sotheby's International Realty
38 SW 10th Avenue, Boca Raton, FL 33486
Listed by One Sotheby's International 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. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $4,774/mo
- Property tax (after sale) est.
- $930/mo
- Homeowners insurance est.
- $241/mo
- HOA
- $0/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
38 SW 10th Avenue, Boca Raton, FL 33486
Estimated cash to close est.
$197,756.50
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): $736,000.00Conforming 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.
$197,756.50
- Down payment est.
- $184,000.00
- Mortgage note documentary stamps est.
- $2,576.00
- Mortgage intangible tax est.
- $1,472.00
- 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.
- $1,860.67
- Insurance escrow (2 months) est.
- $481.83
- First-year insurance premium est.
- $2,891.00
- 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.
- $241 / month
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: Not available —
Source: FEMA National Flood Hazard Layer · Date checked: Oct 29, 2026
- Roof type
- Barrel
- Roof year
- Not provided —
- Impact windows / doors
- Impact Glass (Complete)
- Shutters
- Not provided —
- Window features
- Bay Window(S)
- Year built
- 1964
Homeowners insurance: $241 / month est.
- Annual premium est.
- $2,586
- Fees & taxes est.
- $305
- Annual total est.
- $2,891
- Likely range est.
- $2,457–$3,469
- Dwelling coverage est.
- $384,750
- Other structures est.
- $7,695
- Personal property est.
- $76,950
- Loss of use est.
- $38,475
- Hurricane deductible (2%) est.
- $7,695
Based on the listing: 1,539 sq ft · built 1964 · one story · impact windows / shutters.
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 homesSingle-story East Boca pool home in Palmetto Park Terrace with no HOA. This 3-bed, 2-bath CBS home offers 1,539 living SF, full impact protection and 1.5-car garage. Pocket sliders open the living area to a 356-SF covered screened porch for poolside dining, with kitchen serving window and cabana bath. Open kitchen with white cabinets, soft-close doors, granite counters and range/dishwasher, both new in 2026. Fresh interior paint, updated baths, plantation shutters and interior laundry. A/C 2019; water heater 2021; ducts 2023; pool resurfaced 2019; multicolor pool light 2025; new pump 2026. Fenced yard with natural grass, illuminated palms, gated space for potential boat/RV storage and 12x8 shed. Walk to Addison Mizner School, Mizner Park, beach, Brightline and Boca Raton Regional Hospital. Built in 1964, the home sits on an approximately 8,500-SF lot, or 0.20 acres, with nominal dimensions of 85 x 100 feet. The front faces west, and the backyard faces east. Public records list 2,295 total building SF, including the screened porch and 400-SF garage. A covered front patio measures approximately 22'2" x 6'5". Inside, the split-bedroom layout separates the primary bedroom from the two guest rooms. The living room measures approximately 22'2" x 12'0" and connects to an 11'11" x 10'7" dining area. The main living spaces have tile flooring and 8-foot textured ceilings. The kitchen measures approximately 9'6" x 12'9" and was remodeled in 2011. It has Shaker-style cabinet fronts with wood doors, a breakfast bar and pantry-style storage. The range is electric. The refrigerator and microwave date to 2011. Kitchen and bathroom faucets have been updated. The interior laundry includes a stacked Whirlpool washer and dryer installed in 2020. The primary bedroom measures approximately 16'1" x 13'9" and has wood-look flooring, two reach-in closets and separate sliding-door access to the screened porch. The front guest bedroom measures approximately 14'4" x 14'10" and includes a desk nook. The rear guest bedroom measures approximately 10'9" x 14'11". Both guest rooms have carpet and closet storage. The primary bathroom was remodeled in 2017. It measures approximately 5'0" x 10'0" and features a single trough-style basin with two faucets. The cabana bathroom measures approximately 5'7" x 10'7" and was remodeled in 2021. It has exterior access to the screened porch and new shower fixtures installed in 2026. Both bathrooms have glass-enclosed showers with upgraded ultra-clear glass, without the green tint found in many shower enclosures. Neither bathroom has a bathtub. The rear porch measures approximately 35'10" x 10'1", with ceiling fans, room for dining and seating, and an exterior counter ledge at the kitchen serving window. Its screen enclosure was replaced in 2019 with broad, full-length panels and no mid-height horizontal rail. Beyond the porch, an open pool deck surrounds the freeform in-ground chlorine pool. The pool is approximately 6 feet deep and has no heater. The 2019 pool work included new vacuum and return lines in addition to resurfacing. The yard has mature palms, hedging, wood fencing and full landscape lighting. Removable pool-fence components are stored in the garage. The attached garage measures approximately 15'1" x 24'1" and provides overhead storage, interior access and a separate exterior side door. It has a checkerboard-pattern floor and a painted interior. The Wi-Fi-enabled garage-door opener was installed in 2020, and the garage door was overhauled in 2025. Outside are a concrete driveway, a painted front parking surface and a gated crushed-shell side area. Potential boat, RV or trailer storage is subject to vehicle fit and city requirements. The concrete tile roof and separate covered porch roof were installed in 2010. The porch roof was recoated in 2024. This was maintenance, not a roof replacement. Impact windows, garage door, front door, garage side door and cabana door were installed in 2011. Impact sliding doors and kitchen windows followed in 2018. Additional system details include a 3.5-ton central A/C and a 40-gallon electric water heater. The electrical panel was upgraded in 2011. The kitchen sink drain within the wall was repiped in 2020. The cabana bathroom's drains and supply plumbing were replaced in 2021, including in-floor cast iron within that bathroom. The primary bathroom sink and laundry were repiped in 2024. Remaining original underground drains are cast iron. The home has not been fully repiped. Offered unfurnished, with furniture negotiable. Room dimensions are approximate and taken from the supplied floor plan. Building areas are per public records. Improvement dates and work descriptions are based on seller information. Some update dates are unspecified. Buyers should independently verify measurements, improvement dates, specifications, permits, condition, school assignments and restrictions.
Property Details

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38 SW 10th Avenue, Boca Raton, FL 33486 · Boca Raton
Location
38 SW 10th Avenue, Boca Raton, FL 33486
What buyers ask about this home
What are the estimated monthly carrying costs at 38 SW 10th Avenue, Boca Raton, FL 33486?+
Property tax (after sale): $930/month est.; homeowners insurance: $241/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $1,171/month est. Principal and interest: $4,774/month; PMI: $0/month. Total for the payment scenario shown: $5,945/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 38 SW 10th Avenue, Boca Raton, FL 33486?+
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 38 SW 10th Avenue, Boca Raton, FL 33486 need flood insurance, and what drives the premium?+
Most of Boca Raton 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 38 SW 10th Avenue, Boca Raton, FL 33486?+
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.
What extra costs come with the pool at 38 SW 10th Avenue, Boca Raton, FL 33486?+
A pool typically adds ongoing service, chemicals and electricity, plus periodic resurfacing and equipment replacement. Verify the safety barrier meets Florida code, which is required for insurance and resale.
Is there room to negotiate on 38 SW 10th Avenue, Boca Raton, FL 33486?+
This listing has been on the market 17 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
Boca Raton. Resort-style living with Mizner Park, A-rated schools, country clubs, and FAU just minutes inland.
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
Boca Raton Community Middle School
Middle school · 0.8 mi from this home · 1251 Nw 8Th St, Boca Raton
Boca Raton Community High School
High school · 1.2 mi from this home · 1501 Nw 15Th Ct, Boca Raton
Zone boundaries published by School District of Palm Beach County.
Other options for this address
French Int'L School Of Boca Raton Le Petit Prince
Elementary · Private · Grades K–3 · Boca Raton
Boca Raton Christian School
Pre-K & Kindergarten · Private · Christian · Grades PK–12 · Boca Raton
ST. Andrews School Of Boca Raton Inc
Pre-K & Kindergarten · Private · Catholic · Grades PK–12 · Boca Raton
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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