2151 Umbrella Cay, West Palm Beach FL 33411, WEST PALM BEACH, FL, 33411
Active109 days on marketListed May 1, 2026MLS #A12011103
About this home
2151 Umbrella Cay, West Palm Beach FL 33411
Your wait is over—welcome to this beautifully updated 3-bedroom, 2-bath, single story, villa with a 2-car garage (Nautilus Model) in sought-after Somerset at Andros Isle. Enjoy an inviting open layout with a renovated eat-in kitchen featuring white raised-panel cabinetry and granite countertops. The spacious primary suite offers a tray ceiling, his-and-hers walk-in closets, dual-sink vanity, and a glass-enclosed shower. Additional highlights include generously sized secondary bedrooms, full-size washer and dryer, neutral tile flooring throughout, and an expansive screened patio—perfect for relaxing and entertaining—plus an oversized corner lot with serene garden views. Community amenities include a resort-style clubhouse, pool, spa, fitness center, game room, billiards, tennis, pickleball, racquetball, basketball, bocce, kiddie pool, and tot lot. HOA covers 24/7 manned gate security, cable, internet, landscaping, and irrigation. Convenient to shopping, dining, entertainment, schools, and major roadways.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,482
Sqft
2
Garage
2003
Year built
1
Levels
$304
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,954 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,954/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs West Palm Beach actives
$304 vs $252
Days on market
109 vs 62 typical
Where $304/sqft sits among the 399 West Palm Beach actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Andros Isle
Get to know West Palm Beach. See the full West Palm Beach guide →
Andros Isle — neighborhood snapshot
Population
2,374
Median age
56
Median income
$108,908
Median home value
$399,500
Avg household
3
Households w/ children
188
For the school run
Palm Beach County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The West Palm Beach market
$397K → $410K
West Palm Beach median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
43 of 399
West Palm Beach actives have cut their price
Median sold price, West Palm Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 98% above the WEST PALM BEACH 33411 median. See the full West Palm Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 2151 Umbrella Cay
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$389,000
2179 Man Of War, West Palm Beach FL 33411 · same community
3 bd · 2 ba · 1,429 sqft · $272/sqft · 7 DOM
Sold · May ’26$369,990
2167 Umbrella Cay, West Palm Beach FL 33411
2 bd · 2 ba · 1,485 sqft · $249/sqft · 75 DOM
Sold · Dec ’25$375,000
2084 Stonington Terrace, West Palm Beach FL 33411
3 bd · 2 ba · 1,508 sqft · $249/sqft · 7 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2151 Umbrella Cay — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2151 Umbrella Cay — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
2151 Umbrella Cay FAQs
What would the monthly payment be for 2151 Umbrella Cay, West Palm Beach FL 33411?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,954/mo — principal and interest, the actual property-tax bill, the $342/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 2151 Umbrella Cay, West Palm Beach FL 33411?+
The association fee works out to $342 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2151 Umbrella Cay, West Palm Beach FL 33411?+
The most recent tax bill on record (2025) was $7,254. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2151 Umbrella Cay, West Palm Beach FL 33411?+
The listing reports pets: Restrictions Or Possible Restrictions. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in West Palm Beach?+
At $449,900, this home is listed about 43% above the West Palm Beach median of $315,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2151 Umbrella Cay, West Palm Beach FL 33411?+
Benoist Farms Elementary School (elementary), Jeaga Middle School (middle), Palm Beach Lakes High School (high), Glades Construction Academy At West Technical (high) — Palm Beach County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of Willard Realty Team Corp · Justin Willard. MLS #A12011103.
IDX 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 accurate by Miami Association of REALTORS®.
Never miss a listing
New West Palm Beach homes, in your inbox
Like 2151 Umbrella Cay, West Palm Beach FL 33411 but not quite? A daily digest of every new listing in West Palm Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →