
1030 Silk Oak Terrace # 101, Delray Beach FL 33445, DELRAY BEACH, FL, 33445
Active106 days on marketListed May 2, 2026MLS #B26023534
About this home
1030 Silk Oak Terrace # 101, Delray Beach FL 33445
PINES OF DELRAY. Best value around for a FIRST FLOOR CORNER 2 bedroom - 2 full bath condominium spanning 1167 square feet under air; QUIET park-like setting in the backyard and the sought after east exposure; 17 foot long eat-in kitchen including a stack washer-dryer; 29 foot long living room/dining area; white tiled kitchen and hallway; "covered" open front patio for your year-round usage; needs some updating and some enhancements; 55+ community- where at least one occupant must be 55+ and co-occupants 18+; $623/month maintenance fee includes water, fiber optic cable, in-unit WIFI, fully funded reserves at apx 15% and usage of 2 clubhouses - 2 heated pools - fitness room - pickleball/tennis/ bocce courts. All roofs were replaced in 2025--all buildings less than 3 stories. *2 bedroom - 2 full baths spanning an impressive 1167 square feet of living area that includes a spacious eat-in kitchen measuring 17 feet long,and a generous living room/dining area extending 29 feet,providing ample space for relaxation and entertainment. *Easy access 1st floor corner in 8-plex that benefits from additional natural light with three extra windows compared to interior units. *Plus a 13' x 7' covered patio just outside your front door- for year round usage. * The backyard is one of the few wide open garden-like settings in the community *White Ceramic tile floors in kitchen and hallway *2026 Monthy Maintenance Fee: $623.00 All 684 units pay the same monthly fee and it includes city water & sewer, Xfinity fiber optic cable (including HBO), Xfinity in-unit WIFI ("internet service"), exterior painting, roof maintenance & repair, fully funded reserves (apx 15% of the $623 goes to reserves), usage of 2 clubhouses, 2 heated pools, the newly expanded and renovated fitness room in the North Clubhouse plus tennis-pickleball-bocce courts. *EQUIPMENT *RHEEM CONDENSOR/COMPRESSOR M# 13AJL24A01 S# 7666W250907618 2 ton; 13 SEER Condensing Unit (24,000 BTU/HR); EER: 11.15; scroll compressor; *RHEEM HANDLER M# RBHP-17J06SH1 S#:M100907377 Multiposition Air Handler With X-13 (ECM) Motor, R410A, 5 kW Electric Heat *RHEEM WATER HEATER: M# PROE30SWRH95B S# Q151712751 30 gallon capacity; twin 3500 watt elements, 1 phase, premium anode rod. *GE INDOOR LOAD CENTER (ELECTRICAL PANEL) M# POWERMARK GOLD with 100 amp service. *APPLIANCES: *FRIGIDAIRE RANGE M# FEF316BQE S#VF60252177 30 Inch Freestanding Electric Range with 4 Coil Elements & Manual Clean Oven: Bisque on Bisque Primary Oven Capacity: 4.1 Cu. Ft. *FRIGIDAIRE DISHWASHER: needs repair M# FD81050RE02 S# TH64220532 Full Console Dishwasher with 5 Cycles, Static Vent Drying & 5-Level Precision Wash System: White-on-White; Capacity: 14 Place Settings *KENMORE SEARS COMBINATION WASHER-DRYER M# 417. 97804790 S#: XE7246517 *2025 Annual Real Estate Tax: $2942 (without any exemptions) Don't forget that you'll be located within the city limits of Delray Beach and NOT "county" Delray Beach and accordingly you have approximately 43 street lights and they are maintained by the city of Delray Beach. Plus you're eligible for freE parking in certain lots (WITH an annual permit) in "Downtown Delray Beach".. *The information provided on these pages is not warranted nor guaranteed as 100% accurate. It is subject to inadvertent error, omission, miscalculation, misinterpretation and misinformation. It has not been independently verified that all the features shown for the appliances and equipment actually exist-as the features are taken from the manufacturer's on-line specs about that model number shown and features may have been modified or eliminated by the manufacturer without the updating of the information on-line. All measurements, dimensions, capacities, sizes, materials used, monetary figures, rules & regsulations and buyer guidelines shown are not warranted nor guaranteed and need to be independently verfied by a buyer - if so desired. *BUYER GUIDELINES: At least one approved buyer must be 55+; approved co-buyers must be at least 18 years of age and can only be in residence if an 55+ approved buyer is in residence at the same time; persons not on the deed and who plan to reside at the residence for more than 30 days per year must be approved as an "occupant"and be 18+. UP to 2 indoor cats, caged birds and tropical fish are welcome as pets. Owner and guest overnight parking is limited to automobiles, SUVs, non-business passenger vans, motorcycles and small personal non-commercial open bedded pickup trucks (with no visible signage, tools or equipment); all vehicles must fit within the white stripes of parking spaces in both length and width; after 18 months of ownership unit owners can be eligible to lease out their unit (approved leases must be for a 4 month minimum and only one lease is allowed per 12 month period); title to a property cannot be taken by an LLC, a corporation, business trust, business partnership or business co-ownership; however title can be in a personal or family trust, a non-business partnership/co-ownership, a life estate or a Lady Bird Deed; a minimum credit score of 650 is required of all buyers on the purchase contract; no business can be run out of a unit whereby customers or clients come to the unit or onto the common grounds; no smoking is permitted within 50 feet of a building including catwalks, stairwells or on open patio areas; seller financing or private financing is not permitted; you can have guests stay in the unit without the owner being present(with association approval) for a maximum of 30-days per calendar year; wind-chimes/noise-makers cannot be hung outside. The open patio area in front of #101 and #104 units is a limited common element and is customarily only used by those units. ***************
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,167
Sqft
0 ac
Lot size
1975
Year built
1
Levels
$120
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.
$1,911 /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
$1,911/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.
vs edgeAI estimate
−38.1%
$/sqft vs Delray Beach actives
$120 vs $243
Days on market
106 vs 61 typical
Where $120/sqft sits among the 400 Delray 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 Pines Of Delray
Get to know Delray Beach. See the full Delray Beach guide →
Pines Of Delray — neighborhood snapshot
Population
729
Median age
71
Median income
$44,861
Median home value
$198,800
Avg household
1
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 Delray Beach market
$584K → $433K
Delray Beach median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
40 of 400
Delray Beach actives have cut their price
Median sold price, Delray Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 30% below the DELRAY BEACH 33445 median. See the full Delray Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 1030 Silk Oak Terrace # 101
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$220,000
2321 Croton Lane # 100d, Delray Beach FL 33445 · same community
2 bd · 2 ba · 1,167 sqft · $189/sqft · 15 DOM
Sold · Aug ’25$185,000
1150 Boxwood Drive # 101, Delray Beach FL 33445 · same community
2 bd · 2 ba · 1,167 sqft · $159/sqft · 68 DOM
Sold · Sep ’25$180,000
1120 Mahogany Way # 203, Delray Beach FL 33445 · same community
2 bd · 2 ba · 1,167 sqft · $154/sqft · 86 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 1030 Silk Oak Terrace # 101 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1030 Silk Oak Terrace # 101 — 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
1030 Silk Oak Terrace # 101 FAQs
What would the monthly payment be for 1030 Silk Oak Terrace # 101, Delray Beach FL 33445?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,911/mo — principal and interest, the actual property-tax bill, the $623/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 1030 Silk Oak Terrace # 101, Delray Beach FL 33445?+
The association fee works out to $623 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1030 Silk Oak Terrace # 101, Delray Beach FL 33445?+
The most recent tax bill on record (2025) was $2,942. 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 1030 Silk Oak Terrace # 101, Delray Beach FL 33445?+
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 Delray Beach?+
At $139,500, this home is listed about 48% below the Delray Beach median of $269,999. The market section on this page shows how the area is trending.
Which schools are assigned to 1030 Silk Oak Terrace # 101, Delray Beach FL 33445?+
Orchard View Elementary School (elementary), Atlantic High School (high), Carver Middle School (middle), 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
Three things that matter here
01Under the DELRAY BEACH 33445 market on paper
$139,500 is 30% below the DELRAY BEACH 33445 median of $200,000, and at $120/sqft it sits under the Delray Beach average of $379.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Know the monthly fee
The association fee is $623/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
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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