3 bed 2 bath luxury home for sale at 119 SW 4th Avenue, Delray Beach, FL — Delray Town Of

Luxury home — 119 SW 4th Avenue · Delray Town Of · Delray Beach

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luxury

$825,000

119 SW 4th Avenue, Delray Beach, FL 33444

Delray Beach, FL, 33444

3 bd · 2 ba · 1,762 sqft

Listed by United Realty Group Inc

luxury

119 SW 4th Avenue, Delray Beach, FL 33444

DELRAY TOWN OF

Delray Beach, Palm Beach County, FL, 33444

More homes for sale in Delray Beach →

$879,000$825,000No longer listed

Listed by United Realty Group Inc

This listing has expired or been withdrawn by the seller.

Price reduced $54,000 (6.1%)

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

$5,387/ month

20% down · 6.75% interest · 30-year loan · Conforming loan

Principal, interest, taxes and insurance. Property Tax (after sale). Estimated; not a lender quote.

Principal & interest: $4,281/mo
Property tax (after sale) est.: $834/mo
Homeowners insurance est.: $272/mo
HOA: $0/mo

Estimate only, not guaranteed. Verify before you buy or sell.

Cash to close

119 SW 4th Avenue, Delray Beach, FL 33444

Open calculator

Estimated cash to close est.

$178,582.84

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.

Purchase price ($)County

Cash purchase

Down payment (%)

Interest rate (%) est.

Loan amount (calculated): $660,000.00Conforming loan

Current site planning rate. Rate does not change the taxes or fees below. Prepaid interest is not included.

Buyer pays owner’s title insurance

Buyer default: Broward / Miami-Dade. Seller default: Palm Beach. Your contract controls.

Edit closing costs & prepaids

Lender fees ($) est.Appraisal ($) est.Title endorsements allowance ($) est.Title search & examination ($) est.Municipal lien search ($) est.Settlement / closing fee ($) est.County recording — deed ($) est.County recording — mortgage ($) est.Inspection / wind / 4-point ($) est.Survey ($) est.Annual property tax after sale ($) est.Annual homeowners insurance ($) est.HOA / condo contribution or transfer ($) est.

Simultaneous owner and lender title policies

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.

$178,582.84

Down payment est.: $165,000.00
Mortgage note documentary stamps est.: $2,310.00
Mortgage intangible tax est.: $1,320.00
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.: $1,668.67
Insurance escrow (2 months) est.: $544.17
First-year insurance premium est.: $3,265.00
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.: $272 / 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: Shingle
Roof year: Not provided —
Impact windows / doors: Impact Glass (Complete)
Shutters: Not provided —
Window features: Blinds
Year built: 1950

Homeowners insurance: $272 / month est.

Annual premium est.: $2,960
Fees & taxes est.: $305
Annual total est.: $3,265
Likely range est.: $2,775–$3,918
Dwelling coverage est.: $440,500
Other structures est.: $8,810
Personal property est.: $88,100
Loss of use est.: $44,050
Hurricane deductible (2%) est.: $8,810

Based on the listing: 1,762 sq ft · built 1950 · one story · impact windows / shutters.

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 · standard finish · 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.

Open FEMA flood map & FIRMette

Insurance estimates vary widely. Get a real quote before you make an offer.

Estimate only, not guaranteed. Verify before you buy or sell.

Bedrooms

Bathrooms

1,762

Sq. Ft.

About This Property

Find similar homes

New construction feel, walking distance to fantastic “Atlantic Ave” dining, nightlife, art galleries, entertainment and the beach. This 3-bed, 2-bath Delray Beach home offers 1,762 sf under air, completely rebuilt from the ground up with all-new plumbing, electrical, and a freshly poured foundation, then finished with a split-bedroom layout, vaulted wood ceilings, and a walk-in closet in the primary suite. A full wall of impact sliding glass doors opens the main living space to a fully fenced backyard featuring artificial turf, a paver patio, and a covered pergola — perfect for entertaining with zero maintenance. Storage shed and room for boat/RV parking round out the property. All the systems and finishes of new construction: new roof, new water heater, new AC, none of the wait. Property is located in the RM zoning district which ALLOWS SHORT TERM RENTALS. Won’t last. All measurements, dimensions, and property information are deemed reliable but are not guaranteed and should be independently verified by the buyer or buyer’s agent.

Good deal

Why we flagged this one

A transparent review of current MLS facts—not a paid placement.

Price reduced 6%
The seller has come down from $879,000 to $825,000 — a $54,000 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

Property Type

Single Family Residence

Year Built

1950 (76 yrs old)

Lot Size

0.15 acres (6,534 sq ft)

Price / Sq Ft

$468

Community

DELRAY TOWN OF

MLS #

A12079545

Location

Delray Beach, Palm Beach County, FL, 33444

Listed

8/26/2026

Days on Market

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Vaulted Ceiling(S)

Walk In Closet(S)

Bedroom Layout Split

Storage

Lighting

Dishwasher

Electric Range

Microwave

Refrigerator

Cooling: Central Air

Cooling: Ceiling Fan(S)

Heating: Central

Parking: Driveway

Parking: Guest

Parking: RV Access Parking

Parking: Boat

Roof: Shingle

Window Features: Blinds

Construction: CBS

New Construction

Updated Remodeled

Storm Protect: Impact Glass (Complete)

1 Story

Subdivision: DELRAY TOWN OF

Your costs (est.)

≈ $5,387/mo

119 SW 4th Avenue, Delray Beach, FL 33444 · Delray Beach

Location

119 SW 4th Avenue, Delray Beach, FL 33444

What buyers ask about this home

What are the estimated monthly carrying costs at 119 SW 4th Avenue, Delray Beach, FL 33444?+

Property tax (after sale): $834/month est.; homeowners insurance: $272/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $1,106/month est. Principal and interest: $4,281/month; PMI: $0/month. Total for the payment scenario shown: $5,387/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 119 SW 4th 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 119 SW 4th 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 119 SW 4th 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.

Is there room to negotiate on 119 SW 4th Avenue, Delray Beach, FL 33444?+

This listing has been on the market 53 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

Delray Municipal Beach

1.3 mi · ~3 min drive

Downtown Boca Raton / Mizner Park

7.5 mi · ~14 min drive

Palm Beach Intl (PBI)

15.5 mi · ~29 min drive

Worth Avenue, Palm Beach

16.9 mi · ~32 min drive

Downtown Fort Lauderdale / Las Olas

23.7 mi · ~44 min drive

Brightline Fort Lauderdale Station

23.7 mi · ~44 min drive

Drive times are estimates based on straight-line distance at typical South Florida traffic speeds. Actual times vary with traffic and routing.

The home, in a magazine

A closer look at this home and its lifestyle — dedicated to you and your family.

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Simon Gedz

Realtor® since 1995

Call Simon · (954) 562-1798

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$825,000 · MLS A12079545

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