
3972 N Ocean Drive # 5, Singer Island FL 33404, SINGER ISLAND, FL, 33404
Active119 days on marketListed Apr 22, 2026MLS #B26019125
About this home
3972 N Ocean Drive # 5, Singer Island FL 33404
Ocean Row | Singer Island - Residence #5 Two-Story Oceanfront Living, Reimagined. A rare opportunity to own within Ocean Row, a private collection of just ten two-story residences set along the oceanfront grounds of Singer Island. Designed to live like a home rather than a traditional condominium, Residence #5 offers over 2,600 square feet of fully renovated living space with direct garage entry and no elevator access required. Completed in 2023, the residence has been reimagined with a clean, modern aesthetic and high-end finishes throughout. The designer kitchen anchors the main living space, featuring custom driftwood cabinetry, quartz countertops, under-cabinet lighting, and a full suite of new appliances, ideal for both everyday living and entertaining. The thoughtful two-story layout creates a natural separation between living and private spaces. The upper-level primary suite offers a true retreat, complete with dual bathrooms, four walk-in closets, a private balcony, and an expansive additional storage closet, thoughtfully integrated to enhance functionality without compromising design. Two guest suites on the main level each feature their own respective bathrooms and private patio retreats, creating quiet, separate outdoor spaces ideal for visitors or extended stays. A well-appointed laundry room on the main level adds everyday convenience, complete with a full-size washer and dryer, utility sink, and custom cabinetry, designed with both form and function in mind. A flexible bonus space, currently configured with custom closets, offers the option for a private office, dressing room, or additional storage. Additional upgrades include new porcelain tile flooring, updated interior doors and baseboards, a redesigned stairwell, motorized rechargeable window treatments, and major system improvements including a new A/C, air handler, electric water heater, and a water softener system for enhanced water quality and long-term efficiency. All completed in 2023. What truly sets this residence apart is its unique dual-access lifestyle. Enter privately through your attached garage into the residence, or step through the interior foyer's opposite entrance, which opens directly to the expansive pool deck and resort amenities, creating a seamless indoor-outdoor flow rarely found in oceanfront properties. The community is currently anticipating the completion of a full modernization project, including a complete redesign of the expansive pool deck. The vision reflects the same refined, contemporary coastal aesthetic seen at The Ritz-Carlton and St. Regis, with curated lounging areas, upscale furnishings, louvered cabanas, and dedicated barbecue spaces designed for relaxed, elevated outdoor living. Positioned on oceanfront grounds with private beach access just steps away, residents enjoy a full suite of resort-style amenities designed to elevate everyday living. The newly envisioned pool deck will feature two distinct pool experiences, including an adult-only pool and a separate family-friendly pool, along with a Jacuzzi, fire pit lounges, outdoor showers, and curated gathering spaces with upscale furnishings and louvered cabanas. An on-site full-service restaurant offers both dining and bar seating, while tennis and pickleball courts and two fully equipped fitness facilities provide the convenience of a private, on-site gym experience. Gated security completes the community. On the beach, dedicated service provides chairs and umbrellas set up daily, allowing owners to arrive and relax without the effort, adding to the seamless, resort-style lifestyle Ocean Row is known for. Unlike traditional high-rise living, Ocean Row offers a rare combination of space, privacy, and livability, delivering the feel of a private home within a full-service oceanfront setting. A private residence, a curated retreat, and a fully serviced coastal lifestyle, all seamlessly experienced from one address.
Facts & features
The home at a glance
3
Bedrooms
4
Bathrooms
2,615
Sqft
0 ac
Lot size
1
Garage
1986
Year built
2
Levels
$554
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.
$12,429 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$12,429/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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 Singer Island actives
$554 vs $597
Days on market
119 vs 104 typical
Where $554/sqft sits among the 126 Singer Island 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 Singer Island
Get to know Singer Island. See the full Singer Island guide →
Singer Island — neighborhood snapshot
Population
3,043
Median age
68
Median income
$90,429
Median home value
$745,462
Avg household
2
Households w/ children
81%
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 Singer Island market
$1.0M → $1.2M
Singer Island median sold, yr/yr
92.6%
Sale-to-list ratio (12 mo)
6 of 126
Singer Island actives have cut their price
This home is listed 485% above the SINGER ISLAND 33404 median. See the full Singer Island market guide →
Paper trail
This home's history
Reality check
What actually sold near 3972 N Ocean Drive # 5
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$2,730,000
1071 GULFSTREAM WAY
3 bd · 3 ba · 2,592 sqft · $1,053/sqft · 0 DOM
Sold · Jun ’26$1,550,000
1190 Dolphin Road, Singer Island FL 33404
3 bd · 2 ba · 2,316 sqft · $669/sqft · 0 DOM
Sold · May ’26$3,950,000
1151 Coral Way, Singer Island FL 33404
4 bd · 4 ba · 2,942 sqft · $1,343/sqft · 64 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 3972 N Ocean Drive # 5 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3972 N Ocean Drive # 5 — 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
3972 N Ocean Drive # 5 FAQs
What would the monthly payment be for 3972 N Ocean Drive # 5, Singer Island FL 33404?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,429/mo — principal and interest, the actual property-tax bill, the $2,849/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 3972 N Ocean Drive # 5, Singer Island FL 33404?+
The association fee works out to $2,849 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3972 N Ocean Drive # 5, Singer Island FL 33404?+
The most recent tax bill on record (2025) was $12,626. 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 3972 N Ocean Drive # 5, Singer Island FL 33404?+
The listing reports pets: Yes. 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 Singer Island?+
At $1,450,000, this home is listed about 82% above the Singer Island median of $795,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3972 N Ocean Drive # 5, Singer Island FL 33404?+
Lincoln Elementary School (elementary), John F. Kennedy Middle School (middle), William T. Dwyer 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.
The brief
Four things that matter here
01Positioned at the premium end
$1,450,000 runs 485% above the SINGER ISLAND 33404 median — but at 2,615 sqft it's also 74% larger than the typical Singer Island listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $2,849/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong assigned schools
Lincoln Elementary School, John F. Kennedy Middle School, William T. Dwyer High School, Glades Construction Academy At West Technical — William T. Dwyer High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
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®.
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