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+53 photosBorden 121 2026-10-02 002 — 5130 Las Verdes Circle 121 · Aspen Condo · Delray Beach
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Open property magazine$165,000
5130 Las Verdes Circle 121, Delray Beach, FL 33484
Delray Beach, FL, 33484
Listed by Sun & Sea Properties
5130 Las Verdes Circle 121, Delray Beach, FL 33484
Listed by Sun & Sea Properties
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 and 2nd HOA fee. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $856/mo
- Property tax (after sale) est.
- $167/mo
- Insurance included in HOA
- $0/mo
- HOA
- $375/mo
- 2nd HOA / club dues
- $175/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
5130 Las Verdes Circle 121, Delray Beach, FL 33484
Estimated cash to close est.
$38,534.67
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): $132,000.00
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.
$38,534.67
- Down payment est.
- $33,000.00
- Mortgage note documentary stamps est.
- $462.00
- Mortgage intangible tax est.
- $264.00
- 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.
- $333.67
- 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
- Tar Gravel
- Roof year
- Not provided —
- Impact windows / doors
- Not provided —
- Shutters
- Storm Shutters
- Window features
- Sliding
- Year built
- 1987
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 homesImacculately cared for 1/1.5 in ALL AGES building of Las Verdes with Laundry in your unit. Brand New Washer / Dryer in Sept. Also, New AC System this year, new Toilets and new LED Lights in the old flourecent light fixtures. Refrigerator and Range new in 2024. Tile and Carpet flooring. Directly across the street from Clubhouse, Main Pool and Gym / Tennis Courts. EZ First Floor Access with assigned parking and tons of guest parking. Well run building with newer roof & well cared for grounds. Water, Cable TV w/ HBO, Building Insurance all included in your Monthly Maintenance. Best Deal around in west Delray for Great All Age home w/ a great location, well built, tons of ammenities and peace of mind in Gated Community. LAS VERDES IS A BEAUTIFULLY MAINTAINED GATED COMMUNITY IN THE HEART OF DELRAY BEACH. THERE ARE 3 POOLS, TENNIS, BOCCE & PICKLEBALL COURTS, JACUZZIS, SHUFFLEBOARD, BASKETBALL HOOP AND WALKING/JOG AREAS. TAKE A LEISURELY STROLL AROUND THE PEACEFUL, SERENE COMMUNITY LAKE. NEW EXERCISE ROOM IN 2021 IS 4 TIMES BIGGER WITH ALL NEW EQUIPMENT. ITS ACTIVE CLUBHOUSE HOSTS A VARIETY OF ACTIVITIES INCLUDING EXERCISE CLASSES, DINNERS, DANCES, PRIVATE CLUB ACTIVITIES AND NAMED ENTERTAINMENT. TONS OF IMPROVEMENTS THE LAST 8 YEARS, NOT JUST THE EXERCISE ROOM, NEW ROOF AND FLOOR IN CLUBHOUSE, ALL POOL BATHROOMS UPDATED AND NOW ADA COMPLIANT, SEWER DRAINAGE PIPES RE-SLEEVED, NEW BORDER FENCE AROUND COMMUNITY, NEW LANDSCAPING AT BOTH ENTRANCES, NEW GUARD SHACK & MUCH MORE. LAS VERDES IS ON THE DELRAY MEDICAL CENTERS NEW UPGRADED POWER GRID AND DID NOT LOSE POWER AFTER HURRICANE IRMA IN 2017. LAS VERDES IS CLOSE TO MANY FINE RESTAURANTS, SHOPPING AREAS & MEDICAL FACILITIES. THE AZURE WATERS OF THE ATLANTIC ARE APRX. 6 MILES CLOSE. A WONDERFUL PLACE TO CALL HOME WHETHER YOU PLAN ON BEING A FULL TIME RESIDENT OR THE SEASONAL "SNOWBIRD". LAS VERDES IS NOT PART OF KINGS POINT; COMPLETELY SEPARATE COMMUNITY. . . . . . . . . . . . . .ALL SQARE FOOTAGE IS APPROXIMATE. ALL INFORMATION DEEMED RELIABLE BUT NOT GUARANTEED.
Club / community membership required
$175 / month membership
The MLS lists a second association / club fee for this community.
Membership dues, initiation and waitlists are set by the club and can change — always verify with the association before writing an offer.
Building health
- Building
- Aspen Condo 5130· MLS
- Year built
- 1987· MLS
- Stories
- 3· 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
- $375 / 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
5130 Las Verdes Circle 121, Delray Beach, FL 33484 · Delray Beach
Location
5130 Las Verdes Circle 121, Delray Beach, FL 33484
What buyers ask about this home
What are the estimated monthly carrying costs at 5130 Las Verdes Circle 121, Delray Beach, FL 33484?+
Property tax (after sale): $167/month est.; homeowners insurance: $0/month est.; HOA: $375/month; 2nd HOA / club dues: $175/month. Fixed ownership costs before a mortgage: $717/month est. Principal and interest: $856/month; PMI: $0/month. Total for the payment scenario shown: $1,573/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 5130 Las Verdes Circle 121, Delray Beach, FL 33484?+
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 5130 Las Verdes Circle 121, Delray Beach, FL 33484 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 I check about the association before buying 5130 Las Verdes Circle 121, Delray Beach, FL 33484?+
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 5130 Las Verdes Circle 121, Delray Beach, FL 33484 be rented out?+
Rental rules are set by the association's documents, not the MLS. Many Delray 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 5130 Las Verdes Circle 121, Delray Beach, FL 33484?+
This listing has been on the market 19 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
Orchard View Elementary School
Elementary · 0.9 mi from this home · 4050 Germantown Rd, Delray Beach
Spanish River Community High School
High school · 3.5 mi from this home · 5100 Jog Rd, Boca Raton
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
American Heritage School - Boca/Delray Palm Beach
Pre-K & Kindergarten · Private · Grades PK–12 · Delray Beach
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.
Simon Gedz
Realtor® since 1995
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