38 SW 10th Avenue, Boca Raton, FL 33486
Sources: BeachesMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
38 SW 10th Avenue in Palmetto Park Terrace, Boca Raton is listed at $920,000 (1,539 sq ft, about $598 per sq ft). That sits within a few percent of Palmetto Park Terrace's median closed sale of $850,000 over the last 12 months (5 recorded sales). Per square foot it is above the community's recent $514/sq ft by about 16%. It has been listed Oct 13, 2026, well inside the community's typical 57 days. Listing facts: built in 1964, a private pool, 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 1964 · 62 yrs
- 1,539 sq ft of living area
- 1-car garage
- Listed at $920,000 — recent neighborhood median sale price ~$850,000 (nearby sales; deemed reliable, not an appraisal)
- listed Oct 13, 2026
- No HOA reported by the listing (confirm)
About this home
Single-story East Boca pool home in Palmetto Park Terrace with no HOA. This 3-bed, 2-bath CBS home offers 1,539 living SF, full impact protection and 1.5-car garage. Pocket sliders open the living area to a 356-SF covered screened porch for poolside dining, with kitchen serving window and cabana bath.
Open kitchen with white cabinets, soft-close doors, granite counters and range/dishwasher, both new in 2026. Fresh interior paint, updated baths, plantation shutters and interior laundry. A/C 2019; water heater 2021; ducts 2023; pool resurfaced 2019; multicolor pool light 2025; new pump 2026.
Fenced yard with natural grass, illuminated palms, gated space for potential boat/RV storage and 12x8 shed. Walk to Addison Mizner School, Mizner Park, beach, Brightline and Boca Raton Regional Hospital. Built in 1964, the home sits on an approximately 8,500-SF lot, or 0.20 acres, with nominal dimensions of 85 x 100 feet.
The front faces west, and the backyard faces east. Public records list 2,295 total building SF, including the screened porch and 400-SF garage. A covered front patio measures approximately 22'2" x 6'5".
Inside, the split-bedroom layout separates the primary bedroom from the two guest rooms. The living room measures approximately 22'2" x 12'0" and connects to an 11'11" x 10'7" dining area. The main living spaces have tile flooring and 8-foot textured ceilings.
The kitchen measures approximately 9'6" x 12'9" and was remodeled in 2011. It has Shaker-style cabinet fronts with wood doors, a breakfast bar and pantry-style storage. The range is electric.
The refrigerator and microwave date to 2011. Kitchen and bathroom faucets have been updated. The interior laundry includes a stacked Whirlpool washer and dryer installed in 2020.
The primary bedroom measures approximately 16'1" x 13'9" and has wood-look flooring, two reach-in closets and separate sliding-door access to the screened porch. The front guest bedroom measures approximately 14'4" x 14'10" and includes a desk nook. The rear guest bedroom measures approximately 10'9" x 14'11".
Both guest rooms have carpet and closet storage. The primary bathroom was remodeled in 2017. It measures approximately 5'0" x 10'0" and features a single trough-style basin with two faucets.
The cabana bathroom measures approximately 5'7" x 10'7" and was remodeled in 2021. It has exterior access to the screened porch and new shower fixtures installed in 2026. Both bathrooms have glass-enclosed showers with upgraded ultra-clear glass, without the green tint found in many shower enclosures.
Neither bathroom has a bathtub. The rear porch measures approximately 35'10" x 10'1", with ceiling fans, room for dining and seating, and an exterior counter ledge at the kitchen serving window. Its screen enclosure was replaced in 2019 with broad, full-length panels and no mid-height horizontal rail.
Beyond the porch, an open pool deck surrounds the freeform in-ground chlorine pool. The pool is approximately 6 feet deep and has no heater. The 2019 pool work included new vacuum and return lines in addition to resurfacing.
The yard has mature palms, hedging, wood fencing and full landscape lighting. Removable pool-fence components are stored in the garage. The attached garage measures approximately 15'1" x 24'1" and provides overhead storage, interior access and a separate exterior side door.
It has a checkerboard-pattern floor and a painted interior. The Wi-Fi-enabled garage-door opener was installed in 2020, and the garage door was overhauled in 2025. Outside are a concrete driveway, a painted front parking surface and a gated crushed-shell side area.
Potential boat, RV or trailer storage is subject to vehicle fit and city requirements. The concrete tile roof and separate covered porch roof were installed in 2010. The porch roof was recoated in 2024.
This was maintenance, not a roof replacement. Impact windows, garage door, front door, garage side door and cabana door were installed in 2011. Impact sliding doors a…
All 45 photos
Description provided by One Sotheby's International Realty and reproduced from the MLS; not independently verified.
Provided via the BeachesMLS Internet Data Exchange · All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.Every fact, sourced
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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $5,056/mo 73%
- Taxes $1,356/mo 20%
- Insurance $499/mo 7%
$6,911/mo at 20% down, 30-yr @ 7.32% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty 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.
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.
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.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
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.
What it really costs to own 38 Sw 10Th Avenue
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $11,925/yr (certified county roll, taxable value × millage). Buy at the asking price of $920,000 and the first-year bill resets to about $16,275/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 18.72 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | The listing states there is no HOA. |
| Home and flood insurance | The average Citizens Property Insurance premium in Palm Beach County is $1,753/yr (18,387 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $4,000–$8,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 1964. An original roof would be about 62 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Estimated carrying cost at the asking price, before the mortgage: about $1,502/month (tax $1,356, insurance $146). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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.
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.
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.
Internet & broadband
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Palmetto Park Terrace market
How this home is priced against recent nearby sales, and where Palmetto Park Terrace 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.
Price vs. size in Palmetto Park Terrace
Each dot is a closed sale since 2006 (94 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). BeachesMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $598/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
This home’s history
- 1964BuiltPer public record
- Oct 5, 2026First seen on movewithmomentum.comObserved at $920,000
- 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.
Price & listing history
Building permits
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.
Median of these 6 sales: $850,000 ($514/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
Directional estimate — built from 20 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,976 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.3% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-24.
Actual list price: $920,000 ($598/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 50% spread on the same house — here is what a model can't see:
- Condition & updates — a 1964 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
- The pool — a private pool carries cost and value the model only sees through the comps.
- Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- This home: listed Oct 13, 2026 on market vs. a 57-day community median
- 2 active listings competing
- ≈4.8 months of supply
- 6 closed here in the last 12 months
Selling your own home? Try the Messtimate on your address →
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 26, 2026.
Momentum Property Score
49/100 is below average 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.
Coverage: 6 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.
The Momentum read
🟠 Seller-leaning conditions around this listing. 4.8 months of supply in the surrounding market and 13 days on market for this home, against a 57-day area median.Days on market:this home 13Area median: 57 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc. As of September 20, 2026.
🟡 Asking $598 per square foot, about 16% above the community’s $514 median. Palmetto Park Terrace’s 12-month median sold price per square foot is $514. Confidence: Low · 5 closed sales in 12 monthsMLS facts: BeachesMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
85% of homes in Palmetto Park Terrace are owner-occupied. An estimated 15% are non-owner-occupied, including 5% 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), 241 homes matched. Community-level context.
Recent Palmetto Park Terrace sales closed near 96.2% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of BeachesMLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 2 active listings in Palmetto Park Terrace, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS October 26, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by One Sotheby's International Realty · MLS # B26084347
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More on Palmetto Park Terrace
Go deeper on Palmetto Park Terrace
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.
Assigned schools
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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 38 SW 10th Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1964 (62 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.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Listed living area is 1,539 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 $16,275/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $4,350 more per year than the current owner’s estimated bill (+36%). 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.
Data sources & freshness
| Listing record | BeachesMLS, checked against the MLS hourly (last: October 26, 2026) |
| Comparable sales | BeachesMLS closed sales within about 3 miles, last 18 months, as of September 20, 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.
Frequently asked questions
How big is 38 SW 10th Avenue and when was it built?
Per the listing record, 38 SW 10th Avenue was built in 1964 and has 1,539 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 38 SW 10th Avenue in?
38 SW 10th Avenue is in Palmetto Park Terrace in Boca Raton, Palm Beach County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 38 SW 10th 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 38 SW 10th Avenue differ from the current owner's?
The estimate on this page (about $16,275 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $4,350 more per year than the current owner’s estimated bill (+36%). 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 38 SW 10th 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.
See 38 SW 10th Avenue in person
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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 jon@movewithmomentum.com 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.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the BeachesMLS Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: BeachesMLS, Inc.. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.