4 bed 5 bath pool waterfront home for sale at 1102 ISLAND Drive, Delray Beach, FL — Delray Isle

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Waterfront home — 1102 ISLAND Drive · Delray Isle · Delray Beach

Photo 6 of 1102 ISLAND Drive, Delray Beach, FL in Delray Isle — waterfront home for sale

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Photo 25 of 1102 ISLAND Drive, Delray Beach, FL in Delray Isle — waterfront home for sale

waterfront

Pool: In Ground

Pool: Infinity

Pool: Salt Water

$8,497,000

1102 ISLAND Drive, Delray Beach, FL 33483

Delray Beach, FL, 33483

4 bd · 5 ba · 3,092 sqft · 100 ft of water

Listed by Coldwell Banker Realty

waterfront

1102 ISLAND Drive, Delray Beach, FL 33483100 ft of water frontageSuperyacht range · Boat length ~80 ft · preliminary

DELRAY ISLE

Delray Beach, Palm Beach County, FL, 33483

More homes for sale in Delray Beach →

$8,497,000Available

Listed by Coldwell Banker Realty

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Max boat: Not provided · Dock: Not provided

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min · est.

Not provided

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low tide depth

Enter draft

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bridges on the route

Not provided

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Run to the ocean

Saved route not provided — Ask Simon

Map © Esri · saved route, planning only

Blue · deep enoughOrange · tide neededRed · too shallowGray dashed · canal, not surveyed

Water depth on the way out

Saved depth segments not provided — Ask Simon

Charted route depths do not confirm private dock depth, current shoaling or safe passage; verify with your captain.

Today’s tide · Eastern time

Current tide prediction not provided — Ask Simon

Route bridges & sources

Bridges on the route

No bridges on this route

Depth sources

NOAA chart (updated weekly)

Tides

Tides: NOAA tide predictions, nearest station

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

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

$53,681/ month

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

Jumbo loan: put down about $7,664,250 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: $44,089/mo
Property tax (after sale) est.: $8,593/mo
Homeowners insurance est.: $999/mo
HOA: $0/mo

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

Cash to close

1102 ISLAND Drive, Delray Beach, FL 33483

Open calculator

Estimated cash to close est.

$1,772,439.13

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): $6,797,600.00Jumbo loan

Above the 2026 $832,750.00 limit, so the daily jumbo rate is used. Put down about $7,664,250.00 or more to stay conforming.

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

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.

$1,772,439.13

Down payment est.: $1,699,400.00
Mortgage note documentary stamps est.: $23,791.60
Mortgage intangible tax est.: $13,595.20
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.: $17,185.50
Insurance escrow (2 months) est.: $1,998.83
First-year insurance premium est.: $11,993.00
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.: $999 / month

Source: FEMA National Flood Hazard Layer · Date checked: Nov 9, 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 9, 2026

Roof type: Aluminum
Roof year: Not provided —
Impact windows / doors: Impact Glass (Complete)
Shutters: Not provided —
Window features: Blinds
Year built: 1957

Homeowners insurance: $999 / month est.

Annual premium est.: $11,688
Fees & taxes est.: $305
Annual total est.: $11,993
Likely range est.: $10,194–$14,391
Dwelling coverage est.: $1,159,500
Other structures est.: $23,190
Personal property est.: $231,900
Loss of use est.: $115,950
Hurricane deductible (2%) est.: $23,190

Based on the listing: 3,092 sq ft · built 1957 · 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 · coastal 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.

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.

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

3 + 2

Full + Half Baths

3,092

Sq. Ft.

About This Property

Find similar homes

Welcome to 1102 Island Drive, a fully renovated 2025 waterfront home between the ocean and Intracoastal on Delray Beach's only true island. Offering 3,092 sqft, this 4-bed, 5-bath residence blends modern luxury with coastal living. The open floor plan connects spacious living, dining, and a sleek kitchen with Miele appliances and a gas stove, all filled with natural light. The primary suite is a private retreat with a spa, while 3 additional bedrooms offer flexibility. Set on 100 feet of waterfront along a wide canal, the property features a brand new dock and easy ocean access. Southern exposure enhances the bright interior and outdoor spaces, with a pool and patio just a short walk to the beach and Atlantic Ave.

Property Details

Property Type

Single Family Residence

Year Built

1957 (69 yrs old)

Lot Size

0.30 acres (13,068 sq ft)

Price / Sq Ft

$2,748

Community

DELRAY ISLE

MLS #

B26098145

Location

Delray Beach, Palm Beach County, FL, 33483

Listed

11/8/2026

Days on Market

Dockage

Boat length ~80 ft · preliminary — 100 ft stated water frontage less estimated side-line buffers; canal and inlet length limits not provided — Ask Simon

Dockage note

Boat length ~80 ft · preliminary

Pets

Pet-friendly — Some restrictions (confirm current rules with the association)

Dogs

Welcome here

Cats

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Built In Features

Entrance Foyer

Kitchen Island

Pantry

Walk In Closet(S)

Bedroom Layout Split

Storage

Awning(S)

Barbecue

Courtyard

Garden

Lighting

Outdoor Shower

Pool: In Ground

Pool: Infinity

Pool: Salt Water

Waterfront: Ocean Access

Waterfront: Seawall

Waterfront: Intracoastal

View: Water

View: Intracoastal

Gas Water Heater

Cooktop

Dryer

Disposal

Dishwasher

Microwave

Oven

Refrigerator

Water Heater

Washer

Gas Cooktop

Freezer

Wine Refrigerator

Flooring: Tile

Cooling: Central Air

Cooling: Ceiling Fan(S)

Cooling: Gas

Heating: Central

Parking: Driveway

Parking: Garage

Parking: Attached Garage

Roof: Aluminum

Window Features: Blinds

Window Features: Bay Window(S)

Window Features: Storm Window(S)

Construction: CBS

Foundation: Piling

Updated Remodeled

Storm Protect: Impact Glass (Complete)

2-Car Garage

1 Story

Subdivision: DELRAY ISLE

Your costs (est.)

≈ $53,681/mo

1102 ISLAND Drive, Delray Beach, FL 33483 · Delray Beach

Location

1102 ISLAND Drive, Delray Beach, FL 33483

Dock & Draft Match™

100 ft stated water frontage less estimated side-line buffers; canal and inlet length limits not provided — Ask Simon

Boat length ~80 ft · preliminary

What buyers ask about this home

What are the estimated monthly carrying costs at 1102 ISLAND Drive, Delray Beach, FL 33483?+

Property tax (after sale): $8,593/month est.; homeowners insurance: $999/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $9,592/month est. Principal and interest: $44,089/month; PMI: $0/month. Total for the payment scenario shown: $53,681/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 1102 ISLAND Drive, 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 1102 ISLAND Drive, 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 1102 ISLAND Drive, 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 (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 waterfront at 1102 ISLAND Drive, Delray Beach, FL 33483?+

Waterfront ownership adds seawall maintenance and eventual replacement, dock and lift servicing, higher flood and wind premiums, and salt-air upkeep on exterior finishes and equipment. Confirm bridge height and water depth at low tide if you plan to keep a boat.

Is there room to negotiate on 1102 ISLAND Drive, Delray Beach, FL 33483?+

This listing has been on the market 0 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

0.7 mi · ~3 min drive

Downtown Boca Raton / Mizner Park

8.4 mi · ~16 min drive

Palm Beach Intl (PBI)

14.9 mi · ~28 min drive

Worth Avenue, Palm Beach

16.0 mi · ~30 min drive

Downtown Fort Lauderdale / Las Olas

24.6 mi · ~46 min drive

Brightline Fort Lauderdale Station

24.6 mi · ~46 min drive

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

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Simon Gedz

Realtor® since 1995

Call Simon · (954) 562-1798

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$8,497,000 · MLS B26098145

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