408 SE 2nd Street, Delray Beach, FL 33483
Sources: BeachesMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 14, 2026, 408 SE 2nd Street in Osceola Villas - Osceola Park, Delray Beach is listed at $3,650,000 (3,911 sq ft, about $933 per sq ft). It has been 219 days on market. Listing facts: new construction, 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
- New construction — built 2025
- 3,911 sq ft of living area
- 2-car garage
- Listed at $3,650,000 — recent neighborhood median sale price ~$5,475,000 (nearby sales; deemed reliable, not an appraisal)
- 219 days on market
- No HOA reported by the listing (confirm)
About this home
Staged, completed, and brand new—this exceptional luxury townhome is just two blocks from Atlantic Avenue in the heart of Downtown Delray Beach. Introducing a truly rare offering: the largest residence within the exclusive enclave of Osceola Villas. This remarkable home embodies the ultimate coastal lifestyle, just moments from Delray Beach's acclaimed dining, sophisticated boutiques, vibrant nightlife, and pristine shoreline.
Designed for both refined everyday living and effortless entertaining, this expansive five-bedroom, five-and-a-half-bath residence spans multiple levels and is serviced by a striking glass-enclosed elevator. Elegant interiors showcase soaring ceilings, abundant natural light, and a dramatic skylight that enhances the home's bright, open ambiance. Staged, completed, and brand new, this exceptional luxury townhome is just two blocks from Atlantic Avenue in the heart of Downtown Delray Beach.
Presenting a truly rare offering, this remarkable residence is the largest home within the exclusive enclave of Osceola Villas. Thoughtfully designed to capture the essence of refined coastal living, it is just moments from Delray Beach's acclaimed dining, chic boutiques, vibrant nightlife, and pristine shoreline. Designed for both elevated everyday living and effortless entertaining, this expansive five-bedroom, five-and-a-half-bathroom residence spans multiple levels and is serviced by a dramatic windowed elevator.
Elegant interiors are defined by soaring ceilings, abundant natural light, and a striking skylight that enhances the home's bright, airy ambiance. At the heart of the home, the gourmet kitchen is both beautiful and functional, featuring a large island with a built-in wine refrigerator, gas cooktop, premium Miele appliances, generous cabinetry, and exceptional storage. Adjacent living and entertaining spaces flow seamlessly, while a dedicated club room with a built-in bar and an additional loft offer versatile spaces for gathering and relaxation.
Indoor and outdoor living are equally impressive. On the main living level, a private south-facing heated pool with a water feature creates a serene retreat with year-round enjoyment in the center of downtown. Above, the sprawling rooftop terrace elevates entertaining with the perfect setting for sunset soirées, al fresco dining, and evenings under the stars.
The primary suite is a true sanctuary, complete with dual walk-in closets, a built-in coffee bar, a tranquil sitting area, and a spa-inspired bath. Additional luxury features include side-by-side laundry, smart-home readiness, pre-wiring for electric vehicle chargers and motorized shades, and impeccable attention to detail throughout. Parking is equally exceptional, with a two-car garage with lift potential, as well as a separate golf cart garage that perfectly complements Delray's relaxed coastal lifestyle.
With no HOA and immediate occupancy available, this home offers both flexibility and peace of mind. Architecturally designed by Shane Ames of Ames International Architecture, this distinctive townhome seamlessly blends sophisticated design, modern comfort, and an unbeatable downtown Delray Beach location. The information published and provided, including but not limited to prices, measurements, square footages, lot sizes, features, finishes, and calculations, is subject to errors, omissions, or changes without notice.
All such information should be independently verified. All parties should conduct their own due diligence to verify all information.
All 116 photos
Description provided by The Corcoran Group 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 $20,217/mo 83%
- Taxes $3,194/mo 13%
- Insurance $984/mo 4%
$24,395/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
What it really costs to own 408 Se 2Nd Street
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 $7,214/yr per the MLS listing record (TaxAnnualAmount, 2026-10-14). Florida reassesses at sale, so a buyer's first bill is usually higher than the seller's; the county millage here is not verified, so no reset figure is printed. |
|---|---|
| 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 $8,500–$17,000/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 2025. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form. |
Estimated carrying cost at the asking price, before the mortgage: about $747/month (tax $601, 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 Osceola Villas - Osceola Park market
How this home is priced against recent nearby sales, and where Osceola Villas - Osceola Park has been over 25 years. Momentum Research analysis of BeachesMLS 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.
This home’s history
- 2025BuiltPer public record
- About Mar 2026Listed (per MLS)MLS reports 219 cumulative days on market as of October 14, 2026
- Aug 4, 2026First seen on movewithmomentum.comObserved at $3,650,000
- 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: $5,475,000 ($1226/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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.
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: $3,650,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 8% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & finishes — as new construction, builder upgrades and finish level aren't in a sq ft number.
- 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.
- The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
- 4990 active listings competing, 1377 under contract
- 12 closed here in the last 12 months
For reference, this home is listed at $3,650,000 ($933/sq ft). The list price is the seller's asking price and is not derived from this range.
Selling your own home? Try the Messtimate on your address →
Methodology: 3,911 sq ft × $1,213–$1,305/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 14, 2026.
Momentum Property Score
92/100 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.
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.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 4990.0 months of supply in the surrounding market and 219 days on market for this home, against a 68-day area median.Days on market:this home 219Area median: 68 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. Source: Data provided by BeachesMLS. As of October 14, 2026.
🟡 Asking $933 per square foot, about 24% below the community’s $1226 median. Osceola Villas - Osceola Park’s 12-month median sold price per square foot is $1226. MLS facts: BeachesMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by The Corcoran Group · MLS # R11170025
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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.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Buyer research checklist
Items worth confirming for 408 SE 2nd Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
- New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
- 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 3,911 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 $38,325/yr) assumes reassessment at the list price; the seller's current bill is not a guide 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 14, 2026) |
| Comparable sales | BeachesMLS closed sales within about 3 miles, last 18 months, as of October 14, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Typical county effective rate applied to the list price; 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 408 SE 2nd Street and when was it built?
Per the listing record, 408 SE 2nd Street was built in 2025 and has 3,911 sq ft of living area, 5 bedrooms and 5.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 408 SE 2nd Street in?
408 SE 2nd Street is in Osceola Villas - Osceola Park in Delray Beach, Palm Beach County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 408 SE 2nd Street 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 408 SE 2nd Street differ from the current owner's?
The estimate on this page (about $38,325 per year) assumes reassessment at the list price less the homestead exemption. 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 408 SE 2nd Street 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.
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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 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. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.