David Ramirez
$139,5002 bd2 ba1,167 sqft$120 /sqft$1,911 /mo all-in ↓

1030 Silk Oak Terrace # 101, Delray Beach FL 33445, DELRAY BEACH, FL, 33445

Active106 days on marketListed May 2, 2026MLS #B26023534

Priced 30% below the DELRAY BEACH 33445 medianPrivate poolCondominiumPINES OF DELRAY

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

Private poolGarden view55+ communityPets allowed

Inside

FlooringCarpet · Ceramic Floor
AppliancesElectric Water Heater · Dishwasher · Disposal · Dryer · Electric Range · Washer
InteriorSplit Bedroom · Walk-In Closet(s) · Other
CoolingCentral Individual A/C · Central Air · Electric · Paddle Fans · Reverse Cycle
HeatingCentral Individual A/C · Central · Heat Pump/Reverse Cycle · Reverse Cycle Unit · Reverse Cycle

Outside & construction

RoofWood Truss/Rafter · Composition Roll · Fiberglass
ConstructionCBS Construction · Slab Construction
ViewGarden
FacesWest
Parking1 Space · Assigned · Guest · No Boats · No Rv/Boats
ExteriorOther

Community & fees

HOA fee$623/mo
Taxes (2025)$2,942/yr
PetsYes
CommunityTennis · Buyer Approval Required · Clubhouse · Exercise Room · Game Room · Maintained Community · Management On Site · Mandatory Hoa · Paved Road · Picnic Area · Pool · Sauna · Shuffle Board · Street Lights · Tennis Court(s)

Utilities & systems

UtilitiesCable Available · Electricity Available · Sewer Available · Water Available
WaterPublic

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%

Principal & interest$821
FHA mortgage insurance (est.)$62
Property tax — 2025 actual bill$245
Condo fee — from the listing$623
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $4,883Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $4,883
Interest rate6.00%
Loan term

Estimated payment

$1,911/mo

Principal & interest$821
FHA mortgage insurance (est.)$62
Property taxes (actual bill)$245
HOA / condo fee$623
Est. insurance$160

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.

List $140K
$134KedgeAI estimate $225,207 · range $216K$228K$237K

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

222 · this home
78
23
24
15
38
$97–264$264–431$431–598$598–765$765–933$933+

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

Map of 1030 Silk Oak Terrace # 101, Delray Beach FL 33445 inside its neighborhood boundary

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

ElementaryOrchard View Elementary School★★★★
HighAtlantic High School★★★★★
MiddleCarver Middle School★★★★★
HighGlades Construction Academy At West Technical

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Delray Beach market

Seller’s marketLeans buyer11.3 months of inventoryBuyer’s 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

May 2, 2026Listed at $139,500 · 106 days on market since
1975Built · PINES OF DELRAY

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.

2321 Croton Lane # 100d, Delray Beach FL 33445Sold · 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

1150 Boxwood Drive # 101, Delray Beach FL 33445Sold · 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

1120 Mahogany Way # 203, Delray Beach FL 33445Sold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1030 Silk Oak Terrace # 101 — start here.

Andrew Acosta

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.

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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.

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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