Single Family Residence in ATLANTIC PARK GARDENS DELRAY, Delray Beach · No CDD on record
ATLANTIC PARK GARDENS DELRAY · Delray Beach, FL 33444 · Palm Beach County
Listing data updated October 12, 2026 at 7:23 AM ET · checked against the MLS hourly
4Bedrooms
3Bathrooms
1,696Sq Ft
1952Year Built
$336Per Sq Ft
No CDD on recordFEMA Zone X4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
26% below
$/sq ft vs community
$336 here vs $456 median sold (12 mo)
Buyer leverage
Seller-leaning
39 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~16 ft elevation
$2k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 12, 2026, 118 SW 12th Avenue in Atlantic Park Gardens Delray, Delray Beach is listed at $569,900 (1,696 sq ft, about $336 per sq ft). It has been 39 days on market. Listing facts: built in 1952, no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1952 · 74 yrs
1,696 sq ft of living area
Listed at $569,900 — recent neighborhood median sale price ~$773,000 (nearby sales; deemed reliable, not an appraisal)
39 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
AMAZING INVESTMENT OPPORTUNITY! Located in prime E area just a few blocks from Atlantic Ave and the heart of Downtown Delray Beach. This SFH has an ADU, both rented month-to-month.
Front unit $2800/mo. Back unit $1900. Previously an AirBNB .
This income producing property offers updated spacious 3 bed/2 Bath front unit with open Living area, kitchen and great Florida room. In back is a cozy 1 bed/1 bath unit with private entrance, separate kitchen/dining and large yard. Separate storage building includes A/C.
Plenty of parking, completely fenced in, back fence has gate that opens for even more parking. Room for future expansion due to zoning! Don't miss this opportunity to purchase a great investment property.
Live in 1 rent the other, AirBNB or rent both units!
All 20 photos
Description provided by Homeinc Realty LLC and reproduced from the MLS; not independently verified.
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$569,900
Bed / bath4 / 3
Living area1,696 sq ft
Year built1952
Property typeSingle Family Residence
MLS #B26034227
Listing status39 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~16 ft
CountyPalm Beach
Area listings2 active · 0 under contract
Estimated first-year tax~$9,725/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$336
Estimated monthly payment$4,276
Insurance (illustrative)$2k–$6k/yr
Messtimate range$695,360 – $870,048
Comparable-sales median$773,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$4,276/mo
Principal & interest $3,157/mo74%
Taxes $810/mo19%
Insurance $309/mo7%
$4,276/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Palm Beach County rate (18.72 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $7,900/yr ($658/mo) — taxable value $421,659 × 18.72 mills
$1,825 more each year
(+23%)
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
$421,659
Market value
$421,659
Assessed
$421,659
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), BeachesMLS; millage: Palm Beach County Property Appraiser tax roll page (rate tables); Florida TaxWatch 2025 county average. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$6k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~16 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Palm Beach County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Palm Beach County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Coastal floodingRelatively High
Inland floodingRelatively High
Heat waveRelatively High
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windRelatively High
DroughtRelatively High
HailRelatively Low
Cold waveRelatively High
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Atlantic Park Gardens Delray
Pricing & the Atlantic Park Gardens Delray market
How this home is priced against recent nearby sales, and where Atlantic Park Gardens Delray has been over 25 years. Momentum Research analysis of Beaches MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
1952BuiltPer public record
Jul 2, 2026First seen on movewithmomentum.comObserved at $569,900
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $569,900Momentum Realty · on market 39 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Apr 2026
$680,000
3800 Riverside Way, Delray Beach
3 / 2 bd/ba · 1,690 sq ft · $402/sq ft
Courtesy of Balistreri Real Estate Inc · View details →
Sold Apr 2026
$1,265,000
248 NE 9th Street, Delray Beach
3 / 2 bd/ba · 1,687 sq ft · $750/sq ft
Courtesy of Douglas Elliman · View details →
Sold Mar 2026
$875,000
3106 Cormorant Road, Delray Beach
4 / 2 bd/ba · 1,706 sq ft · $513/sq ft
Courtesy of RE/MAX Services · View details →
Sold Aug 2026
$700,000
3001 Eagle Drive, Delray Beach
3 / 2 bd/ba · 1,708 sq ft · $410/sq ft
Courtesy of EXP Realty LLC · View details →
Sold Jun 2026
$805,000
15881 SW 8th Avenue, Delray Beach
3 / 3 bd/ba · 1,709 sq ft · $471/sq ft
Courtesy of The Corcoran Group · View details →
Sold Dec 2025
$741,000
530 Heron Drive, Delray Beach
3 / 2 bd/ba · 1,682 sq ft · $441/sq ft
Courtesy of Compass Florida LLC · View details →
Median of these 6 sales: $773,000 ($456/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$695,360the mess$870,048
Stronger local evidence — 6 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $569,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 25% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1952 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
1 active listing competing, 1 under contract
For reference, this home is listed at $569,900 ($336/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,696 sq ft × $410–$513/sq ft (interquartile band of 6 comparable closed sales within about 3 miles, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 12, 2026.
Momentum Scores
Momentum Property Score
85/100
Strongest on: Price vs area (100), Flood safety (95)
0 limited50100 exceptional
85/100 is exceptional across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area100
This home $336/sq ft vs the community 12-month median $456/sq ft.
Affordability94
List price $569,900 vs the community median $773,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~16 ft elevation. Verify the parcel with FEMA.
Insurance cost50
From FEMA Zone X and a 1952 build. Obtain a property-specific quote.
Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $336 per square foot, about 26% below the community’s $456 median. Atlantic Park Gardens Delray’s 12-month median sold price per square foot is $456. MLS facts: BeachesMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
34% of homes in Atlantic Park Gardens Delray are owner-occupied. An estimated 66% are non-owner-occupied, including 28% held in a company or trust and 100% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 76 homes matched. Community-level context.
What’s unique here: one of only 2 active listings in Atlantic Park Gardens Delray, no CDD assessment.
Updated October 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Homeinc Realty LLC · MLS # B26034227
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Keep looking
Similar homes for sale near ATLANTIC PARK GARDENS DELRAY
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Builder
Ocean One breaks ground with 371 rental residences on North Federal Highway in Boynton Beach
Hyperion Group, Winter Properties, WREP and Silverstein Properties held a groundbreaking on October 6 for an eight-story, 371-unit rental project at 114-222 North Federal Highway. The project includes about 25,500 square feet of retail and a $108 million construction loan, with up to $11.5 million in CRA tax increment funding. Completion is estimated for late 2028.
Why it matters: Adds rental inventory and ground-floor retail to downtown Boynton Beach near the Federal Highway corridor. The project is about 8 miles southeast of Atlantic Park Gardens Delray, elsewhere in Palm Beach County.
Palm Beach County approves one-year moratorium on large data centers in unincorporated areas
County commissioners unanimously approved the pause on September 24 after a first reading on August 27. It covers new applications for facilities expected to draw 50 megawatts or more at peak demand, with related parcels counted together. The pause lasts one year or until permanent rules are adopted.
Why it matters: Pauses large power-intensive facilities in unincorporated areas while permanent rules are written, which affects industrial land use and grid demand planning. The site is about 11 miles northeast of Atlantic Park Gardens Delray.
$280M Palm Beach County parks bond on November ballot would fund fieldhouse, new parks and upgrades
The $280 million bond on the November 3 ballot would be repaid at 5 cents per $1,000 of taxable value over 20 years. Projects include a multisport fieldhouse at Okeeheelee Park, a 125-acre off-highway-vehicle complex near 20-Mile Bend, a 136-acre Sansbury Way Park and a 90-acre Lantana District I Park. The project list may change.
Why it matters: If approved, the bond would add and upgrade county recreation amenities, including indoor sports space near Okeeheelee Park. The site is about 4 miles north of Atlantic Park Gardens Delray.
Palm Beach County puts $175M library bond on November 3 ballot to replace Main Library
Voters will decide on November 3 whether to authorize a $175 million library bond. It would fund a roughly $150 million, 150,000-square-foot replacement for the 1972 Main Library on Summit Boulevard, renovations at 18 branches and completion of a 19th branch in Hypoluxo. The bond needs a simple majority.
Why it matters: If approved, the bond would upgrade public library facilities across the county's library taxing district and add a branch in Hypoluxo. The site is about 5 miles northeast of Atlantic Park Gardens Delray.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Palm Beach County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Plumosa School of the Arts K-8Assigned elementary school · Palm Beach County School District
GRADEC
AtlanticAssigned high school · Palm Beach County School District · Grade C (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 118 SW 12th Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1952 (74 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Palm Beach County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,696 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $9,725/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,825 more per year than the current owner’s estimated bill (+23%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
BeachesMLS, checked against the MLS hourly (last: October 12, 2026)
Comparable sales
BeachesMLS closed sales within about 3 miles, last 18 months, as of July 15, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of BeachesMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 118 SW 12th Avenue and when was it built?
Per the listing record, 118 SW 12th Avenue was built in 1952 and has 1,696 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 118 SW 12th Avenue in?
118 SW 12th Avenue is in Atlantic Park Gardens Delray in Delray Beach, Palm Beach County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 118 SW 12th Avenue have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 118 SW 12th Avenue differ from the current owner's?
The estimate on this page (about $9,725 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,825 more per year than the current owner’s estimated bill (+23%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 118 SW 12th Avenue in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 118 SW 12th Avenue in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
