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+45 photosLuxury estate — 810 Palm Trail · Sophia Frey · Delray Beach



















































South Florida Luxury Living
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Open property magazine$5,295,000
810 Palm Trail, Delray Beach, FL 33483
Delray Beach, FL, 33483
5 bd · 7 ba · 4,942 sqft
Listed by The Corcoran Group
810 Palm Trail, Delray Beach, FL 33483
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.
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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 · Jumbo loan
Jumbo loan: put down about $4,462,250 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
- $27,475/mo
- Property tax (after sale) est.
- $5,355/mo
- Homeowners insurance est.
- $654/mo
- HOA
- $0/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
810 Palm Trail, Delray Beach, FL 33483
Estimated cash to close est.
$1,106,637.16
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): $4,236,000.00Jumbo loan
Above the 2026 $832,750.00 limit, so the daily jumbo rate is used. Put down about $4,462,250.00 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.
$1,106,637.16
- Down payment est.
- $1,059,000.00
- Mortgage note documentary stamps est.
- $14,826.00
- Mortgage intangible tax est.
- $8,472.00
- 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.
- $10,709.33
- Insurance escrow (2 months) est.
- $1,307.83
- First-year insurance premium est.
- $7,847.00
- 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.
- $654 / 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: 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: AE
High-risk mapped flood area (1% annual chance of flooding).
Source: FEMA National Flood Hazard Layer · Date checked: Nov 5, 2026
- Roof type
- Built Up
- Roof year
- 2025 (assumed from year built)
- Impact windows / doors
- Impact Glass (Complete)
- Shutters
- Not provided —
- Window features
- Storm Window(S)
- Year built
- 2025
Homeowners insurance: $654 / month est.
- Annual premium est.
- $7,542
- Fees & taxes est.
- $305
- Annual total est.
- $7,847
- Likely range est.
- $6,670–$9,417
- Dwelling coverage est.
- $1,760,588
- Other structures est.
- $35,212
- Personal property est.
- $352,118
- Loss of use est.
- $176,059
- Hurricane deductible (2%) est.
- $35,212
Based on the listing: 4,942 sq ft · built 2025 · 3 stories · roof from 2025 · 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 · 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.
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 homesThe Bal Harbour at Cache11, 810 Palm Trail, Delray Beach offers 5 bedrooms, 5 full bathrooms, and two half bathrooms that unfold across 7,996 total square feet, 4,942 of which are under air. Just a few blocks from Delray's most beloved amenities, including pristine beaches, elevated shopping and dining destinations on Atlantic Avenue. This custom residence in the heart of a vibrant village by the sea.. represents best in class for design, finish and location. The home's modern style, designed by the team at Affiniti Architecture and featuring interior elements curated by the renowned design firm Decorators Unlimited, exemplifies simplicity at its finest, with a concept that captures a tailored elegance that only bespoke design can achieve. Without relying on applied decoration, the aesthetic is painted through the use of beautiful natural stone, warm wide plank wood flooring, textured glass and unadorned metal, reflecting a clean, exacting aesthetic that showcases the innate beauty of natural material. Upon entering The Bal Harbour, guests are welcomed by a soaring foyer with 32-foot ceilings, setting the stage for the ground floor's communal spaces. An open-concept layout seamlessly connects the state-of-the-art kitchen, elegant dining room, inviting club room, stylish bar, and expansive great room. The kitchen, equipped with locally-crafted custom cabinetry and a premier Wolf/Subzero appliance package, lays the groundwork for culinary excellence. With a dual-wall fireplace gracing the great room and a comprehensive wet bar featuring an under-counter beverage center and sink, the home's ground floor is an oasis for relaxation and entertainment. The great room is illuminated by natural light flowing in from the home's private outdoor haven, where the covered loggia, pool, cabana bath, and summer kitchen with under-counter beverage center, gas grill, and sink promise sun-kissed leisure. Nielsen Landscape Architects seamlessly merges exquisite landscaping by blending trees, palms, accents, and ground-cover plantings to create a natural cocoon of tropical serenity. After heading back inside and ascending via private elevator, the second floor unveils the home's elegant primary suite. Between its lavish primary bath with a soaking tub, expansive walk-in closet, and private balcony, the space has been shaped to provide a luxe, resort-like experience. The second floor also offers three additional bedrooms, each accompanied by its own ensuite bath and walk-in closet, and one of the two laundry rooms in the home. The third floor introduces the home's fourth bedroom, also complete with an ensuite bathroom and walk-in closet, along with ample additional storage space. Crowned by a spacious top-floor club room designed to be the perfect space for entertaining, this level opens onto a sprawling rooftop deck - an idyllic setting for both stargazing and sun-soaked relaxation. Elevated amenities include a three-car garage, first and second-floor laundry facilities with Electrolux washer/dryer, integrated recessed LED lighting throughout, and an extensive smart-home pre-wiring package. This modern home at Cache 11 won't last - don't miss out on this extraordinary opportunity. Developer fee of 1.5% of the purchase price at closing.
Why we flagged this one
A transparent review of current MLS facts—not a paid placement.
258 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
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Your costs (est.)
≈ $33,483/mo
810 Palm Trail, Delray Beach, FL 33483 · Delray Beach
Location
810 Palm Trail, Delray Beach, FL 33483
What buyers ask about this home
What are the estimated monthly carrying costs at 810 Palm Trail, Delray Beach, FL 33483?+
Property tax (after sale): $5,355/month est.; homeowners insurance: $654/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $6,009/month est. Principal and interest: $27,475/month; PMI: $0/month. Total for the payment scenario shown: $33,483/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 810 Palm Trail, Delray Beach, FL 33483?+
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 810 Palm Trail, Delray Beach, FL 33483 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 810 Palm Trail, Delray Beach, FL 33483?+
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.
What extra costs come with the pool at 810 Palm Trail, Delray Beach, FL 33483?+
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 810 Palm Trail, Delray Beach, FL 33483?+
This listing has been on the market 258 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 · 1.0 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.
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