1 / 81
+76 photosLuxury home — 520 NE 3RD Avenue · Del Ida Park · Delray Beach
South Florida Luxury Living
Property Magazine
Your home in print
A magazine dedicated to 520 NE 3RD Avenue, Delray Beach, FL 33444
Dedicated to you and your family.
A photo-rich, always-current edition with the home’s details, neighborhood lifestyle, assigned and nearby schools, ownership planning, and applicable waterfront guidance. Sign in or create a free account and the same edition is rewritten around your household — the schools your children would attend, the boat you keep, the routes you actually drive.
Open property magazine$1,399,000
520 NE 3RD Avenue, Delray Beach, FL 33444
Delray Beach, FL, 33444
3 bd · 3 ba · 1,857 sqft
Listed by RE/MAX Services
520 NE 3RD Avenue, Delray Beach, FL 33444
Listed by RE/MAX Services
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 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 · Jumbo loan
Jumbo loan: put down about $566,250 or more to stay conforming. What's different?
- A bigger down payment, often 10–20% or more
- A higher credit score, often 700+
- More cash reserves, often 6–12 months of payments
- Full income documentation, sometimes a second appraisal on large loans
Other options: Conforming first mortgage plus a home equity loan for the rest ("piggyback"); Portfolio or private bank loans; Cash. Each lender sets its own rules.
Principal, interest, taxes and insurance. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $7,259/mo
- Property tax (after sale) est.
- $1,415/mo
- Homeowners insurance est.
- $415/mo
- HOA
- $0/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
520 NE 3RD Avenue, Delray Beach, FL 33444
Estimated cash to close est.
$299,075.93
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): $1,119,200.00Jumbo loan
Above the 2026 $832,750.00 limit, so the daily jumbo rate is used. Put down about $566,250.00 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.
$299,075.93
- Down payment est.
- $279,800.00
- Mortgage note documentary stamps est.
- $3,917.20
- Mortgage intangible tax est.
- $2,238.40
- 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.
- $2,829.50
- Insurance escrow (2 months) est.
- $830.83
- First-year insurance premium est.
- $4,985.00
- 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.
- $415 / month
Source: FEMA National Flood Hazard Layer · Date checked: Nov 5, 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: Nov 5, 2026
- Roof type
- Composition
- Roof year
- Not provided —
- Impact windows / doors
- Impact Glass (Complete)
- Shutters
- Not provided —
- Window features
- Insulated Windows
- Year built
- 1942
Homeowners insurance: $415 / month est.
- Annual premium est.
- $4,680
- Fees & taxes est.
- $305
- Annual total est.
- $4,985
- Likely range est.
- $4,237–$5,982
- Dwelling coverage est.
- $696,375
- Other structures est.
- $13,928
- Personal property est.
- $139,275
- Loss of use est.
- $69,638
- Hurricane deductible (2%) est.
- $13,928
Based on the listing: 1,857 sq ft · built 1942 · one story · impact windows / shutters · luxury finish level.
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 · 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 homesJUST REDUCED $100,000! Rarely available and fully updated, this charming vintage-style villa is ideally located in the highly sought-after Historic Del-Ida Park District of Delray Beach. Walk, bike, or take advantage of the complimentary Freebee Golf Cart Service for convenient rides to Atlantic Avenue ("The Ave"), the vibrant Pineapple Grove Arts District, and the beautiful beach, just 1.3 miles away. Offered turnkey, this exceptional home includes all modern furnishings, décor, cookware, dishes, and household essentials at no additional cost—making it truly move-in ready. The outdoor living spaces are a true highlight, featuring three separate private patios surrounded by lush tropical landscaping. Each offers shaded areas for dining, relaxing, or entertaining throughout the day. Golf enthusiasts will love practicing their short game on the private three-hole putting green, and friends can enjoy friendly competition on the Golden Tee® arcade game inside the home. Relax year-round in the heated saltwater plunge pool and spa, complete with therapeutic jets, bubbling features, and programmable LED lighting for both daytime enjoyment and evening ambiance. Pool and spa settings are conveniently controlled via an in-home tablet. Inside, the spacious open floor plan showcases colorful designer décor, elegant travertine tile, and engineered hardwood flooring throughout. The home offers two separate living areas—a cozy living room with a fireplace and a generously sized family room, providing ample space for gathering, entertaining, or relaxing. The beautifully renovated chef's kitchen blends modern convenience with the home's vintage character and features premium stainless steel appliances, including a double oven, French-door refrigerator, dishwasher, and built-in microwave. The spacious primary suite includes a walk-in closet and a beautifully appointed en-suite bathroom featuring a walk-in shower with a luxurious rain shower head and 8 separate body jets. Two additional guest bedrooms share a full bathroom with a tub/shower combination, while a conveniently located half bath off the family room provides easy access from both the indoor living areas and the outdoor patio. Parking is plentiful, with space for four vehicles, including a one-car garage, a two-car driveway, and an additional side driveway. The kitchen range, tankless water heater and pool/spa heater are fueled by economical LP gas. Delray Beach has been recognized by the Travel Channel as one of Florida's Top 10 Beaches. Its stunning two-mile stretch of public beach is anchored by the lively Atlantic Avenue, offering an unmatched blend of award-winning restaurants, boutique shopping, art galleries, entertainment, nightlife, and coastal charm—all just minutes from your front door!
Why we flagged this one
A transparent review of current MLS facts—not a paid placement.
Price reduced 7%
The seller has come down from $1,499,000 to $1,399,000 — a $100,000 reduction since it came on the market.
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
Dogs
Welcome here
Cats
Welcome here
Your costs (est.)
≈ $9,089/mo
520 NE 3RD Avenue, Delray Beach, FL 33444 · Delray Beach
Location
520 NE 3RD Avenue, Delray Beach, FL 33444
What buyers ask about this home
What are the estimated monthly carrying costs at 520 NE 3RD Avenue, Delray Beach, FL 33444?+
Property tax (after sale): $1,415/month est.; homeowners insurance: $415/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $1,830/month est. Principal and interest: $7,259/month; PMI: $0/month. Total for the payment scenario shown: $9,089/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 520 NE 3RD Avenue, Delray Beach, FL 33444?+
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 520 NE 3RD Avenue, Delray Beach, FL 33444 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 520 NE 3RD Avenue, Delray Beach, FL 33444?+
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 520 NE 3RD Avenue, Delray Beach, FL 33444?+
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 520 NE 3RD Avenue, Delray Beach, FL 33444?+
This listing has been on the market 78 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
Plumosa School Of The Arts
Elementary · 1.2 mi from this home · 2501 Seacrest Blvd, Delray 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
American Heritage School - Boca/Delray Palm Beach
Pre-K & Kindergarten · Private · Grades PK–12 · Delray Beach
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 — single-family homes only. Tap a home for its photos and sale facts.
Loading nearby sales…
The home, in a magazine
A closer look at this home and its lifestyle — dedicated to you and your family.
Open the magazine
Simon Gedz
Realtor® since 1995
Interested in this property?
$1,399,000 · MLS B26053667
$1,399,000
520 NE 3RD Avenue
1906 N SWINTON Avenue, Delray Beach, FL 33444
Listed by Apollo Investment & Real Estat
Lake Shore Estates
4 bd · 2 ba · 2,161 sq ft
$1,995,000
View details
102 NE 22nd Street, Delray Beach, FL 33444
Listed by Serhant
NORTHRIDGE
3 bd · 2 ba · 1,572 sq ft
$770,000
View details
707 Lake Avenue N, Delray Beach, FL 33483
Listed by Douglas Elliman
LA HACIENDA DELRAY
5 bd · 6 ba · 3,383 sq ft
$3,699,000
View details
1310 NW 22ND Avenue, Delray Beach, FL 33445
Listed by Compass Florida LLC
RAINBERRY LAKE PH IV-B
2 bd · 2 ba · 1,335 sq ft
$570,000
View details
10 Coconut Road, Delray Beach, FL 33444
Listed by Serhant
Lake Heights
4 bd · 4 ba · 3,730 sq ft
$3,295,000
View details
807 NE 9TH Avenue, Delray Beach, FL 33483
Listed by The Corcoran Group
FREY SOPHIA ADD TO DELRAY
5 bd · 6 ba · 4,813 sq ft
$4,995,000
View details