Monterey Bay in Boynton Beach

Monterey Bay Homes for Sale in Boynton Beach, FL

Boynton Beach · Palm Beach County

A gated townhome community of roughly 320 homes off Congress Avenue in east Boynton Beach, attainable and amenity-backed.

Gated townhomesResort-style poolAttainable
Live Market Pulse
53/100
Momentum
Buyer-Leaning Market (limited data)
Tight supply keeps sellers in control, but dated interiors still trade at a discount, so condition is where buyers win.
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Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive BeachesMLS data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulseBeachesMLS
$326K
Median Price
6mo
Supply
208days
Avg DOM
Soft
Seller Leverage
$239/sf
Median $/Sqft
n/a
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Monterey Bay is a gated townhome community of roughly 320 homes off Congress Avenue in east Boynton Beach, built in phases from about 2006 to 2013. This is an attainable, condition-and-position buy: the townhomes run roughly 1,100 to 1,500 square feet with two to three bedrooms and attached garages, and value turns on the interior condition, the unit's position, and the monthly HOA against what it covers. The read is to confirm the current HOA dues and inclusions, read the condition of the unit and any building items, and comp within the community rather than against a city-wide average. The gated setting, the resort-style pool, and the central Congress Avenue location are the durable draws."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Monterey Bay market snapshot (as of June 15, 2026): the median sale price is about $326K ($239 per sq ft), with homes averaging 208 days on market and 6.0 months of supply, a buyer-leaning market (limited data). Based on 2 recent closings in live BeachesMLS data.

Monterey Bay is a gated townhome community of roughly 320 homes in east Boynton Beach (ZIP 33426), located off Congress Avenue between Lake Ida Road and Woolbright Road, just west of I-95.

The townhomes were built in phases from about 2006 to 2013 in a Mediterranean style, ranging from roughly 1,100 to just over 1,500 square feet with two to three bedrooms and attached garages.

As a gated community, Monterey Bay carries a mandatory homeowners association with a resort-style pool and common-area maintenance; confirm the current dues and exactly what they cover for a specific home.

The central Congress Avenue location offers quick access to I-95, shopping, and the beaches. Value turns on the unit's condition and position, so this guide reflects the community's general character; confirm the details for a specific home.

Best for

  • Buyers who want an attainable, gated townhome in east Boynton Beach
  • Buyers who value a resort-style pool and low-maintenance living
  • Buyers who want a central Congress Avenue location near I-95
  • Buyers comfortable confirming the HOA dues and reading condition

Probably not for

  • Buyers who want a single-family home with a private yard
  • Buyers who want new construction or a luxury price point
  • Buyers who want waterfront or a large lot
  • Buyers unwilling to budget HOA dues and confirm inclusions

How Monterey Bay is performing right now

53/100
momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
6Months of supplytight
208Median days on marketdays
1 : 1Under contract vs for salestrong demand
2Sold in last 12 monthsliquidity
+25%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from BeachesMLS, as of June 15, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Monterey Bay listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

Our proprietary read on how a home in Monterey Bay buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Monterey Bay

Live MLS inventory for Monterey Bay. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

Active and pending Monterey Bay listings as of 2026-06-15, priced high to low. 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.. Tap any home to ask about it.

Listing locations from BeachesMLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

I-95 (Woolbright or Gateway)~5 min · north-south interstate
Boynton Beach Mall area, Congress Avenue~5 to 10 min · shopping corridor
Atlantic Ocean beaches~15 to 20 min · east
Downtown Delray Beach~10 to 15 min · south
Palm Beach International (PBI)~20 to 25 min · north
Florida's Turnpike~10 to 15 min · west

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Monterey Bay Homes for Sale in Boynton Beach, FL with Momentum Realty’s local guides.

Cranbrook Lake Estates Homes for Sale in Boynton Beach, FLCranbrook Lake Estates Homes for Sale in Boynton Beach, FLBoynton Beach, FL · adjacentGolfview Harbour Townhouses Homes for Sale in Boynton Beach, FLGolfview Harbour Townhouses Homes for Sale in Boynton Beach, FLBoynton Beach, FL · 0.9 miHills at Lake Eden Homes for Sale in Boynton Beach, FLHills at Lake Eden Homes for Sale in Boynton Beach, FLBoynton Beach, FL · 0.9 miMonterey Bay Homes for Sale in Boynton Beach, FLMonterey Bay Homes for Sale in Boynton Beach, FLBoynton Beach, FL · 1.0 miWindward Palm Beach Homes for Sale in Boynton Beach, FLWindward Palm Beach Homes for Sale in Boynton Beach, FLBoynton Beach, FL · 1.0 miPine TreeGolf Club Homes for Sale in Boynton Beach, FLPine TreeGolf Club Homes for Sale in Boynton Beach, FLBoynton Beach, FL · 1.1 miQuail Ridge Homes for Sale in Boynton Beach, FLQuail Ridge Homes for Sale in Boynton Beach, FLBoynton Beach, FL · 1.2 miPalm BeachLeisureville Homes for Sale in Boynton Beach, FLPalm BeachLeisureville Homes for Sale in Boynton Beach, FLBoynton Beach, FL · 1.4 miBoynton Leisureville Homes for Sale in Boynton Beach, FLBoynton Leisureville Homes for Sale in Boynton Beach, FLBoynton Beach, FL · 1.7 mi

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Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
Monterey Bay (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take
  • Palm Beach County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Confirm current ratings before relying on them
  • Private and parochial options nearby

Monterey Bay is served by Palm Beach County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Buying with schools in mind? We can confirm the exact zoned schools for any Monterey Bay address.

The takeaway

What is actually shaping value around Monterey Bay, sourced and dated. We do not publish rumor.

Recent Developments in Monterey Bay

Our read on what is being built around Monterey Bay, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishThe structural story is steady demand for attainable, gated townhomes in the central Congress Avenue corridor, where condition and the monthly HOA drive value. The watch items are the pace of the Boynton Beach Mall redevelopment nearby and the HOA dues against what they cover.

Attainable gated townhomes in east Boynton

BullishAn attainable, gated townhome community with a resort-style pool supports steady demand from value-oriented buyers. impact
SignificanceRadius: Community

Attainable gated townhomes in east Boynton

Central Congress Avenue location near I-95

BullishQuick access to I-95, the Congress Avenue shopping corridor, and the beaches supports the location's convenience. impact
SignificanceRadius: Area

Central Congress Avenue location near I-95

Boynton Beach Mall redevelopment nearby

NeutralThe aging mall at 801 N. Congress Avenue is targeted for mixed-use redevelopment; the outcome and timing are a corridor watch item. impact
SignificanceRadius: Area

Boynton Beach Mall redevelopment nearby

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Monterey Bay, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

  1. 2023
    Area

    Boynton Beach Mall targeted for mixed-use redevelopment

    Reporting described the aging Boynton Beach Mall at 801 N. Congress Avenue, in the same corridor as Monterey Bay, being acquired for a mixed-use redevelopment that would add housing and new retail. Why it matters: A reinvested Congress Avenue corridor would support nearby residential demand, though the timing and final scope remain a watch item. Source

Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

If we were buying in Monterey Bay, this is the order of operations we would run, and the one we run for our clients.

1

Confirm the HOA dues and inclusions. Verify the current monthly amount and exactly what it covers, including the pool, common areas, and any building or roof items.

2

Read the unit's condition. Confirm the kitchen, baths, HVAC, and any updates, and budget accordingly.

3

Check the position. Confirm how the unit sits within the community and what it backs to or faces.

4

Comp within Monterey Bay. Price against the closest comparable townhome in the community, not a city-wide average.

5

Verify the school zoning by address. Confirm the exact assignment with the School District of Palm Beach County for a specific home.

Best Buy
An updated townhome on a good interior position, priced to comparable Monterey Bay sales, with the HOA confirmed.
Biggest Risk
Underbudgeting renovation or misjudging the HOA dues against what they cover.
Best Lot
Better-positioned and updated townhomes hold value over dated, less-private units.
Smart Timing
Demand is steady for attainable gated townhomes; condition matters more than timing.
The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Monterey Bay is a gated townhome community of roughly 320 homes in east Boynton Beach, off Congress Avenue between Lake Ida Road and Woolbright Road and just west of I-95. The Mediterranean-style townhomes were built in phases from about 2006 to 2013, ranging from roughly 1,100 to just over 1,500 square feet with two to three bedrooms and attached garages, and the community centers on a resort-style pool. As a gated community it carries a mandatory homeowners association; value turns on the unit's condition and position, so confirm the current HOA dues and inclusions, the condition, flood considerations, and the school assignment by address for a specific home before relying on them.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Entry: original two-bedroom townhomes
$288K to $288K

Smaller or original units, the more attainable way in. The cost to update drives value.

Lowest entry
Core: updated three-bedroom townhomes
$288K to $365K

Renovated townhomes with newer kitchens, baths, and systems, the heart of the community. Condition sets where these land.

Most inventory
High: larger updated, better-positioned units
$365K to $365K

Larger or fully updated townhomes on the better positions, the top of the local range. Move-in condition drives the premium.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

$288K to $288K
Entry: original two-bedroom townhomes
Smaller or original units, the more attainable way in. The cost to update drives value.
$288K to $365K
Core: updated three-bedroom townhomes
Renovated townhomes with newer kitchens, baths, and systems, the heart of the community. Condition sets where these land.
$365K to $365K
High: larger updated, better-positioned units
Larger or fully updated townhomes on the better positions, the top of the local range. Move-in condition drives the premium.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

15-Second Take
  • Renovation math decides the deal
  • Better lots and views resell strongest
  • Roof and HVAC age drive the insurance quote
  • Interior lots are where buyers overpay
Jon Brooks, Momentum Realty
Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

No CDD on the tax billStrong
Central Boynton Beach locationStrong
Scarce golf and lake homesitesStrong
$30M club reinvestment to 2028Positive
All-resale 1990s conditionManage it

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Jon Brooks, Momentum Realty
Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Monterey Bay

15-Second Take
  • Calling the listing agent (who works for the seller)
  • Misjudging the renovation budget
  • Overpaying for an interior lot
  • Underbudgeting the carrying costs
  • Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

The gated setting and the central Congress Avenue location are the draw. The deal is won or lost on the condition, the position, and the monthly HOA.

Jon Brooks · Founder, Momentum Realty
7.3B · Buy Score
Resale Strength7.3/10
Renovation Risk5.8/10
Location Efficiency8.4/10
Long-Term Defensibility7.2/10
Carrying Cost Advantage7.4/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Why our read on Monterey Bay is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live BeachesMLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live BeachesMLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

Which Lots & Views Hold Value Best

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)
$261 value$401 premium
Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from BeachesMLS; for orientation, not an appraisal.

15-Second Take
  • Better-positioned and updated townhomes hold value best
  • Condition is the biggest swing
  • Confirm the HOA dues and inclusions
  • The gated, central location is the durable draw
  • Comp within the community and confirm specifics

At Monterey Bay the value drivers are the townhome's condition and position, in a gated, attainable community off Congress Avenue. Updated units hold value over dated ones, and a more private or better-facing position helps. Because this is an attached-home community, confirm the current HOA dues and exactly what they cover, including any building and roof items, and compare against the closest comparable Monterey Bay sale rather than a city-wide average.

Monterey Bay in 15 seconds.

Best forBuyers who want an attainable, gated townhome in east Boynton Beach.
Strong onAffordability, a gated setting with a resort-style pool, and a central location near I-95 and the beaches.
WatchThe HOA dues and inclusions, the condition of the unit, and its position within the community.
Not forBuyers who want a single-family home, new construction, waterfront, or a luxury price point.
The edgeAn updated, attainable gated townhome in a central location is a durable value when the condition and HOA check out.

HOA, CDD & Fees

15-Second Take
  • Gated townhome community, roughly 320 homes
  • Resort-style pool and common areas
  • Confirm the monthly HOA and inclusions
  • Condition and position drive value
  • Comp within the community, not the city

As a gated townhome community, Monterey Bay carries a mandatory homeowners association. Confirm the current monthly dues and what they cover for the specific home, and budget for the upkeep of an established townhome.

The HOA typically covers the gated access, the resort-style pool, common-area landscaping, and, for attached townhomes, certain building and roof items; confirm the exact inclusions and current dues for a specific home.

The community centers on a resort-style pool and sundeck with walkways through tropical landscaping; confirm the current amenities for the specific section.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Momentum listings (YTD)
97.98%
Sold-to-list ratio across our market for our agents, sellers keeping more of their price.
Market average (YTD)
96.73%
The broader metro average sold-to-list ratio over the same period.
Momentum days on market
64 days
Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
Market days on market
72 days
The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Monterey Bay, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Monterey Bay, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Monterey Bay home worth?

Get a no-obligation home value based on real comparable sales in Monterey Bay matched to your condition, lot, and view, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See homes for sale in Monterey Bay on the map →
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Real comps, not a Zestimate.

Monterey Bay Market Scorecard

Thin data

Monterey Bay is currently a thin data. Limited supply, a median asking price of n/a.

n/a
Months supply
n/a
Median list
n/a
Median sold
n/a
Per sqft
n/a
Days on mkt
0/0/0
Active/Pend/Sold

Go deeper: true cost calculator · affordability calculator.

Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Is Monterey Bay a gated community?
Yes. Monterey Bay is a gated townhome community of roughly 320 homes off Congress Avenue in east Boynton Beach, with controlled access and a resort-style pool.
What kinds of homes are in Monterey Bay?
Mediterranean-style townhomes ranging from roughly 1,100 to just over 1,500 square feet, with two to three bedrooms and attached garages. Confirm the exact floor plan for a specific unit.
When was Monterey Bay built?
The community was built in phases from about 2006 to 2013. Confirm the year of a specific building or unit.
Does Monterey Bay have an HOA?
Yes. As a gated townhome community, it carries a mandatory homeowners association. Confirm the current monthly dues and exactly what they cover before buying.
What does the HOA cover?
Typically the gated access, the resort-style pool, common-area landscaping, and certain building and roof items for the attached townhomes. Confirm the exact inclusions and dues for a specific home.
How central is the location?
It is central in east Boynton Beach, off Congress Avenue and minutes to I-95, with shopping along the corridor and the Atlantic beaches a short drive east.
What schools serve Monterey Bay?
The community is part of the School District of Palm Beach County. Assignment is by address and changes periodically, so confirm the exact zoned schools for a specific home with the district.
Is there a CDD fee?
Confirm whether any CDD or special assessment applies to a specific parcel as a matter of course; the recurring cost here is the gated townhome HOA.
Is Monterey Bay affordable?
It is an attainable, value-oriented gated townhome community, though prices move with the market; confirm current pricing for a specific home.
Should I worry about condition?
Read it closely. On established townhomes, confirm the kitchen, baths, HVAC, and any updates and budget accordingly.
Is Monterey Bay a good investment?
An attainable, gated townhome community with a resort-style pool in a central location supports steady demand, with value turning on condition and position. This is not a guarantee of future value.
Should I use the listing agent to buy here?
No. The listing agent works for the seller. Because condition and the HOA drive value, having your own representation to read the unit and the comps is the highest-leverage decision you make.
What is the area like?
It is a gated, attainable townhome community in east Boynton Beach, convenient to Congress Avenue shopping, I-95, and the beaches, with a resort-style pool at its center.
How is the commute?
It is central, minutes to I-95, with Delray Beach to the south, the beaches a short drive east, and Palm Beach International a reasonable drive north.
You want an attainable, gated townhome in east Boynton BeachExcellent fit
You value a resort-style pool and low-maintenance livingExcellent fit
You want a central Congress Avenue location near I-95Excellent fit
You are comfortable confirming the HOA dues and reading conditionExcellent fit
You will comp within the community and confirm specificsExcellent fit
You want a single-family home with a private yardProbably not
You want new construction or a luxury price pointProbably not
You want waterfront or a large lotProbably not
You are unwilling to budget HOA dues and confirm inclusionsProbably not
You want a no-HOA, fully detached lifestyleProbably not

Get the inside read on Monterey Bay

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Monterey Bay home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

We respond personally, usually the same day.

You are all set.

A Momentum Realty Monterey Bay specialist will reach out personally, usually the same day.

BeachesMLS logo
Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Source: Listing photos provided by BeachesMLS, Inc. Information deemed reliable but not guaranteed.

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