Listing data updated September 25, 2026 · refreshed twice daily
1Bedrooms
1Bathrooms
731Sq Ft
1971Year Built
$191Per Sq Ft
No CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
8% below
$/sq ft vs community
$191 here vs $208 median sold (12 mo)
Buyer leverage
Strong buyer advantage
556 days on market
18.7 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~6 ft elevation
$500–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 25, 2026, 632 Snug Harbor Drive #D3 in Snug Harbor Gardens, Boynton Beach is listed at $139,500 (731 sq ft, about $191 per sq ft). That sits within a few percent of Snug Harbor Gardens's median closed sale of $156,250 over the last 12 months (4 recorded sales). It has been 556 days on market, longer than the community's typical 251 days to contract. Listing facts: built in 1971, HOA dues of $550/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1971 · 55 yrs
731 sq ft of living area
Listed at $139,500 — recent neighborhood median sale price ~$156,250 (nearby sales; deemed reliable, not an appraisal)
556 days on market
HOA $550/mo (per listing)
Momentum Research · Snug Harbor Gardens
Pricing & the Snug Harbor Gardens market
How this home is priced against recent nearby sales, and where Snug Harbor Gardens 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 Snug Harbor Gardens
Each dot is a closed sale since 2002 (64 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). BeachesMLS closed sales.
Property timeline
This home’s history
1971BuiltPer public record
Aug 4, 2026First trackedObserved at $139,500
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
$1,486/mo
Principal & interest $739/mo50%
Taxes $122/mo8%
Insurance $76/mo5%
HOA $550/mo37%
$1,486/mo at 20% down, 30-yr @ 6.95% · 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 $1,525/yr ($127/mo)
+$150 more each year
(+10%)
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
$34,328
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
55/100
Strongest on: Pricing power (88), Renovation upside (84)
0 limited50100 exceptional
55/100 is solid, mid-pack 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 area70
This home $191/sq ft vs the community 12-month median $208/sq ft.
Affordability68
List price $139,500 vs the community median $156,250. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~6 ft elevation. Verify the parcel with FEMA.
Insurance cost15
From FEMA Zone AE and a 1971 build. Obtain a property-specific quote.
Market liquidity15
Community median 252 days on market, ~18.7 months of supply (12-month record).
Renovation upside84
From a 1971 build and $191/sq ft vs the community median $208/sq ft. Not a condition assessment.
Pricing power88
Recent sales closed at about 90.5% of original asking (~9.5% below). More room below asking generally favors buyers.
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 $191 per square foot, about 8% below the community’s $208 median. Snug Harbor Gardens’s 12-month median sold price per square foot is $208. Confidence: Low · 4 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.
Recent Snug Harbor Gardens sales closed near 90.5% 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 14 active listings in Snug Harbor Gardens, no CDD assessment.
Updated September 25, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
DIRECT INTRA COASTAL COMMUNITY! WHY SNUG HARBOR? I live at Snug and have for the past 7 years.
I like most came from a 2 story home my own laundry and yard. But like most folks coming to Florida we want a change. Well I got it and I love it.
I looked at several communities. But when I found Snug Harbor which is directly located on the Intra Coastal. I LOVED IT!
What I didn't know was how much I was really going to love it. We have 194 condos in our communtiy. Being on the ICW is absolutely a must and for the prices worth every penny.
My opinion of course. The location to the beaches .76 and shopping plus tons of restaurants some right across the street and of course Dunkin Donuts, plus a really sweet boutique featuring woman's clothing jewelry and get gift ideas. I am blessed!
Condo fee includes cable internet water trash pick up common area insurance. This 1 bedroom 1 bath home over looks the lush green court yard. Is in move in condition!
We have a wonderful clubhouse with a large kitchen and dining area plus a fitness room and card/library. Our pool and pool deck area offer a great space to chill out or gather with loved ones and friends. We have so much fun here!
So check us out. Sea wall was done in 2026, lots of updates to the buildings and our board is there to help protect our value and quality of life. We have tons of social events to join in on.
Come see the life style we have at Snug Harbor I am so happy I did. This is the time in our lives when we want less stress more fun make new friends enjoy the old ones and feel like we are young again. I call it the Senior Dorm!
All 37 photos
Description provided by William Raveis Real Estate 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$139,500
Bed / bath1 / 1
Living area731 sq ft
Year built1971
Property typeCondominium
MLS #R11072547
Listing status556 days on market
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~6 ft
Windstorm exposureLow
CountyPalm Beach
Area listings14 active · 0 under contract
Estimated first-year tax~$1,465/yr
CDD assessmentNone on record
HOA (per listing)$550/mo
Calculated estimates
Price per sq ft$191
Estimated monthly payment$1,486
Insurance (illustrative)$500–$2k/yr
Comparable-sales median$156,250
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.
$133,773the mess$170,323
Actual list price: $139,500 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1971 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 — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $550/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:
This home: 556 days on market vs. a 252-day community median
14 active listings competing
≈18.7 months of supply
9 closed here in the last 12 months
For reference, this home is listed at $139,500 ($191/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: 731 sq ft × $183–$233/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 25, 2026.
Keep looking
Similar homes for sale near Snug Harbor Gardens
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 $139,500Momentum Realty · on market 556 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.)
~$1,465/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)
$500–$2k/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 zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$550/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 AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~6 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.
Seen enough photos?
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Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by William Raveis Real Estate · MLS # R11072547
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Market data · public records
Recent sales activity in Snug Harbor Gardens
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 Snug Harbor Gardens neighborhood guide for more.
Comparable sales found
4
Recent nearby closings in the data set.
Community median sale price
$156,250
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$208
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Snug Harbor Gardens
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 northeast of Snug Harbor Gardens.
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 northeast of Snug Harbor Gardens, 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 northeast of Snug Harbor Gardens, 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 project is about 8 miles east of Snug Harbor Gardens, elsewhere in Palm Beach County.
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
Forest ParkAssigned elementary school · Palm Beach County School District · Grade B (Florida DOE 2025-26)
GRADEC
CongressAssigned middle school · Palm Beach County School District · Grade C (Florida DOE 2025-26)
GRADEB
Boynton BeachAssigned high school · Palm Beach County School District · Grade B (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 May 2026
$195,000
650 Snug Harbor Drive #G110, Boynton Beach
1 / 1 bd/ba · 720 sq ft · $271/sq ft
Courtesy of William Raveis Real Estate · View details →
Sold Jan 2026
$125,000
632 Snug Harbor Drive #D14, Boynton Beach
1 / 1 bd/ba · 629 sq ft · $199/sq ft
Courtesy of Keller Williams Realty Service · View details →
Sold Jan 2026
$120,000
638 Snug Harbor Drive #E7, Boynton Beach
2 / 2 bd/ba · 858 sq ft · $140/sq ft
Courtesy of William Raveis Real Estate · View details →
Sold Dec 2025
$187,500
600 Snug Harbor Dr Drive #A 17, Boynton Beach
2 / 2 bd/ba · 866 sq ft · $217/sq ft
Courtesy of William Raveis Real Estate · View details →
Community 12-month median: $208/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$639 – $930/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate0.0%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$865 – −$603At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 632 Snug Harbor Drive #D3, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1971 (55 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
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 731 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 $1,465/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.
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 632 Snug Harbor Drive #D3 and when was it built?
Per the listing record, 632 Snug Harbor Drive #D3 was built in 1971 and has 731 sq ft of living area, 1 bedrooms and 1.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 632 Snug Harbor Drive #D3 in?
632 Snug Harbor Drive #D3 is in Snug Harbor Gardens in Boynton Beach, Palm Beach County. The community section on this page shows recent closed sales, days on market, and active inventory for Snug Harbor Gardens from the same MLS data.
Does 632 Snug Harbor Drive #D3 have an HOA, and how much are the dues?
The listing reports HOA dues of $550 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 632 Snug Harbor Drive #D3 differ from the current owner's?
The estimate on this page (about $1,465 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 632 Snug Harbor Drive #D3 in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
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 632 Snug Harbor Drive #D3 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.
