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+74 photosLuxury townhome — 5 Adams Road · Ocean Breeze Townhomes · Ocean Ridge
















































































South Florida Luxury Living
Property Magazine
Your home in print
A magazine dedicated to 5 Adams Road, Ocean Ridge, FL 33435
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$2,850,000
5 Adams Road, Ocean Ridge, FL 33435
Ocean Ridge, FL, 33435
Listed by The Corcoran Group
5 Adams Road, Ocean Ridge, FL 33435
Listed by The Corcoran Group
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
- $14,788/mo
- Property tax (after sale) est.
- $2,882/mo
- Insurance included in HOA
- $0/mo
- HOA
- $1,782/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
5 Adams Road, Ocean Ridge, FL 33435
Estimated cash to close est.
$592,779.17
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): $2,280,000.00
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.
$592,779.17
- Down payment est.
- $570,000.00
- Mortgage note documentary stamps est.
- $7,980.00
- Mortgage intangible tax est.
- $4,560.00
- 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.
- $5,764.17
- 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)
- Zone AE Coastal FloodplainFlood insurance required
- Homeowners insurance est.
- $0 / 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 22, 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 22, 2026
- Roof type
- Metal
- Roof year
- Not provided —
- Impact windows / doors
- Impact Glass (Complete)
- Shutters
- Not provided —
- Window features
- Storm Window(S)
- Year built
- 2016
Homeowners insurance: $0 / month est.
Association insurance is included in the stated HOA fee. Confirm separate unit-owner coverage with an 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 homesLocated just half a block from the Atlantic Ocean, this beautifully designed three-bedroom, three-and-a-half-bath residence offers 2,746 square feet of living space and deeded private beach access with a patio at the end of Adams Road—an exceptional opportunity for effortless turnkey beachside living. Designed across two spacious levels, the home is filled with natural light and distinguished by soaring ceilings, impact windows and sliders, porcelain wood-look tile flooring and thoughtful architectural detailing. High-end construction, insulation and soundproofing enhance the sense of privacy, while the staggered community layout further contributes to the feeling of a private residence. The open-concept kitchen and family room form the heart of the home. The chef's kitchen is appointed with Sub-Zero, Wolf and Bosch appliances, abundant cabinetry with a custom bar with a 100+ bottle Sub-Zero wine cooler creates a natural setting for entertaining. This is turnkey beachside living. The property also has custom closets, built-in cabinetry, custom drapery and a central vacuum system add function throughout the residence. Indoor and outdoor living flow seamlessly to a private courtyard featuring a 10' x 10' cocktail pool with fountain and covered lanai, creating a secluded tropical retreat for entertaining or relaxing after a day at the beach. Large front and rear second-floor balconies provide additional outdoor living, while the private courtyard draws natural light throughout the residence. All three bedrooms are located upstairs and feature en suite baths and walk-in closets. The expansive primary suite is a private retreat with vaulted ceilings, a balcony, custom dresser and shelving, custom drapery and a spacious custom-fitted closet. Its spa-inspired bath features dual vanities and an oversized glass-enclosed shower. Additional upgrades include Lutron app-controlled lighting and HVAC, HVAC systems replaced in January 2024, a new hot water heater installed in October 2023, Cisco Meraki secure WiFi, and a central-station monitored security and fire alarm system with Ring cameras. The two-car garage features a custom StoreWall organization system and LiftMaster Elite garage door motors with app control. A new pool pump was installed and the building exterior was freshly painted in 2026. Perfectly positioned along a quiet, less-traveled stretch of Old Ocean Avenue, 5 Adams Road is just moments from the ocean while remaining minutes from shopping, dining and I-95. Downtown Delray Beach is approximately ten minutes south, with Palm Beach and West Palm Beach approximately twenty minutes north. With a $1,782.33 monthly association fee, generous proportions, sophisticated technology, private outdoor living and deeded beach access, this is a rare opportunity to enjoy the relaxed elegance of Ocean Ridge. Our favorite feature of the home is that it is turnkey beachside living.
Property Details

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5 Adams Road, Ocean Ridge, FL 33435 · Ocean Ridge
Location
5 Adams Road, Ocean Ridge, FL 33435
What buyers ask about this home
What are the estimated monthly carrying costs at 5 Adams Road, Ocean Ridge, FL 33435?+
Property tax (after sale): $2,882/month est.; homeowners insurance: $0/month est.; HOA: $1,782/month. Fixed ownership costs before a mortgage: $4,664/month est. Principal and interest: $14,788/month; PMI: $0/month. Total for the payment scenario shown: $19,452/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 5 Adams Road, Ocean Ridge, FL 33435?+
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 5 Adams Road, Ocean Ridge, FL 33435 need flood insurance, and what drives the premium?+
Most of Ocean Ridge 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 5 Adams Road, Ocean Ridge, FL 33435?+
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 5 Adams Road, Ocean Ridge, FL 33435 be rented out?+
Rental rules are set by the association's documents, not the MLS. Many Ocean Ridge 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 5 Adams Road, Ocean Ridge, FL 33435?+
This listing has been on the market 58 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
Located in Ocean Ridge, this property offers the South Florida lifestyle — warm-weather living year-round with easy access to the Atlantic coast, A-rated schools, and major business centers.
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
Forest Park Elementary School
Elementary · 1.2 mi from this home · 1201 Sw 3Rd St, Boynton Beach
Congress Community Middle School
Middle school · 2.7 mi from this home · 101 S Congress Ave, Boynton Beach
Boynton Beach Community High
High school · 2.7 mi from this home · 4975 Park Ridge Blvd, Boynton 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
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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