46 days on marketSingle Family Residence▼ Price cut: $50,000 (8/4)
$899,000
3-Bedroom Home in HAMMOCK RESERVE
4789 Valencia Drive, Delray Beach, FL 33445
Single Family Residence in HAMMOCK RESERVE, Delray Beach · No CDD
HAMMOCK RESERVE · Delray Beach, FL 33445 · Palm Beach
Listing data updated September 6, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,711Sq Ft
1999Year Built
$525Per Sq Ft
Waterfront2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
40% above
$/sq ft vs community
$525 here vs $374 median sold (12 mo)
Buyer leverage
Strong seller market
46 days on market
1.6 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~17 ft elevation
$4k–$7k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 6, 2026, 4789 Valencia Drive in Hammock Reserve, Delray Beach is listed at $899,000 (1,711 sq ft, about $525 per sq ft). It has been 46 days on market. Listing facts: built in 1999, waterfront, HOA dues of $400/mo. 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 1999 · 27 yrs
1,711 sq ft of living area
2-car garage
Listed at $899,000 — recent neighborhood median sale price ~$639,000 (nearby sales; deemed reliable, not an appraisal)
46 days on market
HOA $400/mo (per listing)
Momentum Research · Hammock Reserve Delray Beach
Pricing & the Hammock Reserve Delray Beach market
How this home is priced against recent nearby sales, and where Hammock Reserve Delray Beach 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
1999BuiltPer public record
Jul 2, 2026First trackedObserved at $949,000
Aug 4, 2026Price cut$899,000
NowActiveCurrently for sale
Build year is from public record. Listing 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.
Financing
Estimated monthly payment
$6,238/mo
Principal & interest $4,646/mo74%
Taxes $787/mo13%
Insurance $406/mo7%
HOA $400/mo6%
$6,238/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Estimated from today’s asking price and current Palm Beach County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $4,600/yr ($383/mo)
+$11,300 more each year
(+246%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$305,017
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), BeachesMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
44/100
Strongest on: Flood safety (95), Market liquidity (70)
0 limited50100 exceptional
44/100 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.
Price vs area0
This home $525/sq ft vs the community 12-month median $374/sq ft.
Affordability0
List price $899,000 vs the community median $639,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~17 ft elevation. Verify the parcel with FEMA.
Insurance cost68
From FEMA Zone X and a 1999 build. Obtain a property-specific quote.
Market liquidity70
Community inventory, ~1.6 months of supply (12-month record).
Renovation upside30
From a 1999 build and $525/sq ft vs the community median $374/sq ft. Not a condition assessment.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
🟡 Asking $525 per square foot, about 40% above the community’s $374 median. Hammock Reserve Delray Beach’s 12-month median sold price per square foot is $374. MLS facts: BeachesMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
72% of homes in Hammock Reserve Delray Beach are owner-occupied. An estimated 28% are non-owner-occupied, including 8% 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), 281 homes matched. Community-level context.
What’s unique here: one of only 2 active listings in Hammock Reserve Delray Beach, no CDD assessment.
Updated September 6, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Delray's hidden gem, Hammock Reserve, awaits! Nestled behind three gated entrances and surrounded by five serene lakes and a 5 acre nature preserve, Hammock Reserve is an intimate community of just 273 single family homes offering privacy and space in Central East Delray. With tree lined streets, scenic walking paths, and beautiful lake views throughout, it's easy to see why so many residents fall in love with the lifestyle here.
Situated on a premium pie shaped lakefront lot along one of the community's quietest streets, this completely renovated residence has been thoughtfully redesigned from top to bottom with exceptional attention to detail. Wide plank engineered European oak flooring flows throughout the home, complemented by designer lighting and elevated finishes at every turn. At the heart of the home is a completely reimagined kitchen complete with custom cabinetry, a stunning waterfall island, designer white appliances accented by brass hardware, a built in beverage center, drawer microwave, custom floating shelves, and under cabinet lighting.
The spa inspired bathrooms feature oversized designer tile, floating vanities, Moen fixtures, electric bidet toilets, and modern finishes. Solid core interior doors, custom closet systems, fresh interior and exterior paint, new epoxy garage flooring, and a 2023 roof further reflect the exceptional attention to detail found throughout the home. Soaring ceilings and an open, airy floor plan create an immediate sense of space and quality.
Beautiful, peaceful lake views and an extended driveway complete this exceptional property. Hammock Reserve is an all ages community designed for easy, low maintenance living. Zoned for A+ rated Boca Raton schools and just minutes from Atlantic Avenue, the beach, and the Delray Beach Golf Club's $30 million renovation, the location is unbeatable.
With quick access to I95, travel to West Palm Beach, Fort Lauderdale, and Miami is effortless. A rare opportunity to own a truly turnkey lakefront home in one of Delray Beach's most sought after gated communities.
Description provided by LoKation and reproduced from the MLS; not independently verified.
Property facts & sources
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
List price$899,000
Bed / bath3 / 2
Living area1,711 sq ft
Year built1999
Property typeSingle Family Residence
Garage2-car
MLS #B26045634
Listing status46 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~17 ft
Windstorm exposureLow
CountyPalm Beach
Area listings2 active · 0 under contract
Estimated first-year tax~$9,440/yr
CDD assessmentNone on record
HOA (per listing)$400/mo
Calculated estimates
Price per sq ft$525
Estimated monthly payment$6,238
Insurance (illustrative)$4k–$7k/yr
Messtimate range$605,694 – $670,712
Comparable-sales median$639,000
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
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.
$605,694the mess$670,712
Actual list price: $899,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 11% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1999 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $400/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
2 active listings competing, 1 under contract
≈1.6 months of supply
14 closed here in the last 12 months
For reference, this home is listed at $899,000 ($525/sq ft) — a number set with analysis a Messtimate can't do.
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: 1,711 sq ft × $354–$392/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 6, 2026.
Keep looking
Similar homes for sale near HAMMOCK RESERVE
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.
Listed for $899,000Momentum Realty · on market 46 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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.
Property tax (first-year est.)
~$9,440/yr
A rough first-year estimate only, applying a typical Palm Beach rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$4k–$7k/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
$400/mo
Covers the master association & common areas. Confirm exact dues and what they include.
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
~17 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by LoKation · MLS # B26045634
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Market data · public records
Recent sales activity in HAMMOCK RESERVE
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the HAMMOCK RESERVE neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$639,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$374
Canonical 12-month median $/sq ft. Reference only.
Go deeper on HAMMOCK RESERVE
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Market
Palm Beach County Total Home Sales Jump for 10th Consecutive Month
Palm Beach County total home sales rose 22.3% year-over-year in June 2026 to 2,456 transactions, with total dollar volume up 53.90% to $2.7 billion. The single-family median sale price increased to $700,000 and the condominium median rose to $325,000.
Why it matters: Rising sales volume and median prices signal strengthening demand and higher valuations across the Palm Beach County housing market. The site is about 19 miles north of Hammock Reserve.
The Berkeley Palm Beach Breaks Ground at 550 South Australian Avenue in West Palm Beach
The Berkeley Palm Beach broke ground on a 25-story tower with 193 condominium residences at 550 South Australian Avenue overlooking Clear Lake, developed by Al Adelson with Arquitectonica as designer. Sales have exceeded $120 million and completion is anticipated in 2029.
Why it matters: A new 25-story condominium tower adds high-end for-sale housing supply to the downtown West Palm Beach market and continues vertical development along the Clear Lake waterfront. The project is about 19 miles north of Hammock Reserve, elsewhere in Palm Beach County.
Developers Plan Two 31-Story Towers for 2085 N Flagler Dr, West Palm Beach
Terra and BH Group filed plans for 281 residential condominiums across two 31-story towers on a 1.55-acre site at 2085 N Flagler Drive in West Palm Beach. The nearly 440,000-square-foot project includes about 4,385 square feet of retail and 362 parking spaces.
Why it matters: Two proposed 31-story towers would add for-sale condominium supply and ground-floor retail along the North Flagler Drive waterfront in West Palm Beach. The project is about 21 miles north of Hammock Reserve, elsewhere in Palm Beach County.
Alton Delray in Delray Beach Breaks Ground with $92 Million Construction Loan
Kolter Multifamily broke ground on Alton Delray, a 386-unit multifamily community across six-story buildings on a 12.31-acre former industrial site at 2101 S. Congress Avenue, backed by a $92 million construction loan from Madison Realty Capital. The plan includes 154 workforce housing units under Florida's Live Local Act and 232 market-rate units, with delivery expected in late 2027.
Why it matters: A 386-unit rental community converts a former industrial parcel into new multifamily supply on the Congress Avenue corridor and adds workforce and market-rate housing to the Delray Beach market. The site is about 1 mile east of Hammock Reserve.
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.
GRADEB
Orchard ViewAssigned elementary school · Palm Beach County School District · Grade B (Florida DOE 2025-26)
GRADEA
OmniAssigned middle school · Palm Beach County School District · Grade A (Florida DOE 2025-26)
GRADEA
Spanish RiverAssigned high school · Palm Beach County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Aug 2026
$760,000
4690 Hammock Circle, Delray Beach
3 / 2 bd/ba · 1,711 sq ft · $444/sq ft
Courtesy of RE/MAX Services · View details →
Sold Apr 2026
$633,000
4789 Valencia Drive, Delray Beach
3 / 2 bd/ba · 1,711 sq ft · $370/sq ft
Courtesy of Compass Florida LLC · View details →
Sold Mar 2026
$645,000
2053 Valencia Drive, Delray Beach
3 / 2 bd/ba · 1,711 sq ft · $377/sq ft
Courtesy of RE/MAX Direct · View details →
Sold Jan 2026
$603,500
4780 Blossom Drive, Delray Beach
3 / 2 bd/ba · 1,711 sq ft · $353/sq ft
Courtesy of D'Addio Realty · View details →
Sold Jan 2026
$605,000
4643 Hammock Circle, Delray Beach
3 / 2 bd/ba · 1,711 sq ft · $354/sq ft
Courtesy of Tolliver Prince Realty · View details →
Sold Nov 2025
$670,000
4784 Blossom Drive, Delray Beach
3 / 2 bd/ba · 1,711 sq ft · $392/sq ft
Courtesy of Premier Brokers International · View details →
Community 12-month median: $374/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$4,120 – $5,993/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate3.9%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$2,240 – −$554At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 4789 Valencia Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1999 (27 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $400/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
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.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 1,711 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 $9,440/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
Delray Beach
Groceries, dining, and parks for this city — see the city guide.
BeachesMLS, refreshed twice daily (last: September 6, 2026)
Community market stats
BeachesMLS closed sales, as of July 15, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
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 4789 Valencia Drive and when was it built?
Per the listing record, 4789 Valencia Drive was built in 1999 and has 1,711 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 4789 Valencia Drive in?
4789 Valencia Drive is in Hammock Reserve in Delray Beach, Palm Beach County. The community section on this page shows recent closed sales, days on market, and active inventory for Hammock Reserve from the same MLS data.
Does 4789 Valencia Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $400 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 4789 Valencia Drive differ from the current owner's?
The estimate on this page (about $9,440 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 4789 Valencia Drive 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 4789 Valencia Drive 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 a typical county millage rate to the list price 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.
