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+45 photosGated community home — 326 NW 1st Street · Atlantic Grove · Delray Beach
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Open property magazine$750,000
326 NW 1st Street, Delray Beach, FL 33444
Delray Beach, FL, 33444
2 bd · 3 ba · 1,596 sqft
Listed by JSM Realty Services, Inc.
326 NW 1st Street, Delray Beach, FL 33444
Listed by JSM Realty Services, Inc.
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 · Conforming loan
Principal, interest, taxes and insurance, HOA. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $3,892/mo
- Property tax (after sale) est.
- $758/mo
- Homeowners insurance est.
- $176/mo
- HOA
- $826/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
326 NW 1st Street, Delray Beach, FL 33444
Estimated cash to close est.
$161,752.33
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): $600,000.00Conforming loan
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.
$161,752.33
- Down payment est.
- $150,000.00
- Mortgage note documentary stamps est.
- $2,100.00
- Mortgage intangible tax est.
- $1,200.00
- 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.
- $1,516.83
- Insurance escrow (2 months) est.
- $351.50
- First-year insurance premium est.
- $2,109.00
- 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.
- $176 / 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
- Tile
- Roof year
- Not provided —
- Impact windows / doors
- Not provided —
- Shutters
- Accordion Shutters (Complete)
- Window features
- Plantation Shutters
- Year built
- 2003
Homeowners insurance: $176 / month est.
- Annual premium est.
- $1,804
- Fees & taxes est.
- $305
- Annual total est.
- $2,109
- Likely range est.
- $1,793–$2,531
- Dwelling coverage est.
- $379,050
- Other structures est.
- $7,581
- Personal property est.
- $75,810
- Loss of use est.
- $37,905
- Hurricane deductible (2%) est.
- $7,581
Based on the listing: 1,596 sq ft · built 2003 · 3 stories · 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.
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 homesImmaculately Maintained, Like-New 3-Story Townhome In Atlantic Grove, A Private Gated Community In East Delray Just 1/2 Block Off Atlantic Ave. Tastefully Remodeled 2BR/2.5BA, Plus 2-Car Gar Residence Features First-Floor Flex Space Ideal For Office, Gym Or Guest Area, Beautifully Updated With Custom Kitchen Cabinetry, Marble Countertops, Samsung Appliances, Wood Plank Porcelain Tile Flooring, Plantation Shutters, New Stair Casings, Custom-Tiled Baths, Samsung Washer/Dryer & Accordion Shutters. Enjoy Open Living/Dining Area, Private Balcony, Community Pool, Lush Landscaping And Prime Location By Delray Tennis Center. Investors: May Lease Immediately. Location, Location, Location! Steps To Dining, Entertainment, Nightlife. True South Florida Lifestyle Living At Its Best! Must See!! Start Living The Life You've Always Dreamed Of In The Heart Of Downtown Delray Beach! Immaculately Maintained, Like-New 3-Story Townhome In Atlantic Grove, A Private Gated Community In East Delray Just 1/2 Block Off Atlantic Ave. Tastefully Remodeled 2BR/2.5BA, Plus 2-Car Gar Residence Features First-Floor Flex Space Ideal For Office, Gym, Media Room Or Guest Area. Beautifully Updated With Custom Kitchen Cabinetry, Marble Countertops, Samsung Appliances, Wood Plank Porcelain Tile Flooring, Plantation Shutters, New Stair Casings, Custom-Tiled Baths, Samsung Washer/Dryer & Accordion Shutters. The Open Living/Dining Area Offers Great Natural Light, A Private Balcony, Comfortable Flow For Entertaining And A True Lock-And-Leave Downtown Lifestyle. Enjoy Community Pool, Lush Tropical Landscaping, Gated Entry And Prime Location Directly By The Delray Beach Tennis Center. Walk, Bike, Trolley Or eKart To World-Famous Atlantic Avenue, Award-Winning Restaurants, Boutique Shopping, Coffee Shops, Art Galleries, Festivals, Live Music, Nightlife, Old School Square, Pineapple Grove, The Intracoastal And Delray's Beautiful Beaches. This Is The Rare Downtown Location That Puts You In The Middle Of Everything, Yet Tucked Away In A Quiet, Private Community Without The Traffic And Noise. Investors: May Lease Immediately. Whether Seasonal, Year-Round Or Investment, This Is True South Florida Lifestyle Living At Its Best. Location, Location, Location! Steps To Dining, Entertainment, Nightlife. Must See!!
Why we flagged this one
A transparent review of current MLS facts—not a paid placement.
94 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.)
≈ $5,652/mo
326 NW 1st Street, Delray Beach, FL 33444 · Delray Beach
Location
326 NW 1st Street, Delray Beach, FL 33444
What buyers ask about this home
What are the estimated monthly carrying costs at 326 NW 1st Street, Delray Beach, FL 33444?+
Property tax (after sale): $758/month est.; homeowners insurance: $176/month est.; HOA: $826/month. Fixed ownership costs before a mortgage: $1,760/month est. Principal and interest: $3,892/month; PMI: $0/month. Total for the payment scenario shown: $5,652/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 326 NW 1st Street, 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 326 NW 1st Street, 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 I check about the association before buying 326 NW 1st Street, Delray Beach, FL 33444?+
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 326 NW 1st Street, Delray Beach, FL 33444 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 326 NW 1st Street, Delray Beach, FL 33444?+
This listing has been on the market 94 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 · 1.8 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.
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Simon Gedz
Realtor® since 1995
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