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+1 photosLuxury home — 4838 Charlton Way · Unincorporated · Delray Beach
$2,975,000
4838 Charlton Way, Delray Beach, FL 33445
Delray Beach, FL, 33445
— bd · 0 ba · — sqft
Listed by Keller Williams Realty Boca Ra
4838 Charlton Way, Delray Beach, FL 33445
Listed by Keller Williams Realty Boca Ra
This home is no longer available for a tour.
It is pending or sold, so it cannot be added to a tour day. Ask Simon about similar homes you can still see.
Know your costs before you buy
Work through the cash needed at closing, including property taxes.
Cash to close
4838 Charlton Way, Delray Beach, FL 33445
Estimated cash to close est.
$618,582.00
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): $2,380,000.00Jumbo loan
Above the 2026 $832,750.00 limit, so the daily jumbo rate is used. Put down about $2,142,250.00 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.
$618,582.00
- Down payment est.
- $595,000.00
- Mortgage note documentary stamps est.
- $8,330.00
- Mortgage intangible tax est.
- $4,760.00
- 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.
- $6,017.00
- 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.
About This Property
Find similar homesRare development opportunity in Delray Beach! Approx. 3.4 acres / 148,104 SF in unincorporated Palm Beach County, zoned RS Single-Family Residential with no HOA. Current zoning allows up to 5 detached homes per acre, subject to site feasibility and approvals. Potential for a luxury residential development with larger estate homesites. Based on preliminary guidance provided by the County, development may require a 40' roadway with turnaround, drainage/positive outfall, public water/sewer and platting. Potential annexation into Delray Beach through adjacent Bexley Park is also being explored, including possible future access and utility connections. Buyer to independently verify all development requirements and feasibility.
Why we flagged this one
A transparent review of current MLS facts—not a paid placement.
Price reduced 24%
The seller has come down from $3,900,000 to $2,975,000 — a $925,000 reduction since it came on the market.
211 days on market
Longer time on market usually means the seller is more open to negotiating on price and terms.
Price reductions and days on market come from this listing's MLS record. This is an initial market signal, not a formal appraisal or full comparable market analysis.
Property Details
Your costs (est.)
4838 Charlton Way, Delray Beach, FL 33445 · Delray Beach
Location
4838 Charlton Way, Delray Beach, FL 33445
What buyers ask about this home
What are the estimated monthly carrying costs at 4838 Charlton Way, Delray Beach, FL 33445?+
Property tax (after sale): $3,009/month est. Estimate only, not guaranteed. Verify before you buy or sell.
Will property taxes go up after I buy 4838 Charlton Way, Delray Beach, FL 33445?+
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 4838 Charlton Way, Delray Beach, FL 33445 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 an inspection focus on for a home like 4838 Charlton Way, Delray Beach, FL 33445?+
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, and any open or expired permits with the city. These items, not cosmetics, drive both price and insurability.
Is there room to negotiate on 4838 Charlton Way, Delray Beach, FL 33445?+
This listing has been on the market 211 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
Banyan Creek Elementary School
Elementary · 0.5 mi from this home · 4243 Sabal Lakes Rd, Delray Beach
Zone boundaries published by School District of Palm Beach County.
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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.
Closed sales in the last 12 months, newest first. Tap a home for its photos and sale facts.
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Simon Gedz
Realtor® since 1995
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