1216 Surf Road, Singer Island FL 33404, SINGER ISLAND, FL, 33404
Active85 days on marketListed May 21, 2026MLS #B26031945
About this home
1216 Surf Road, Singer Island FL 33404
Welcome to one of the most unique opportunities on Singer Island — a fee simple 2-story townhome with NO HOA and NO rental or ownership restrictions, just steps from the sand and the sparkling Atlantic Ocean. Perfectly positioned near the beach, this rare property offers the ultimate blend of coastal living, flexibility, and investment potential. Enjoy walkable access to everything Palm Beach County and Singer Island have to offer, including waterfront dining, marinas, shopping, boating, fishing, paddleboarding, nightlife, and some of South Florida's most beautiful beaches. Whether you are looking for a primary residence, vacation getaway, short-term rental investment, or seasonal retreat, this property checks every box. Featuring 3 bedrooms, 2.5 bathrooms, impact windows, updated finishes, and a bright coastal feel throughout, this is island living without the typical restrictions or fees. Opportunities like this are exceptionally rare in such a prime beachside location. Live the Palm Beach lifestyle with freedom, flexibility, and the ocean just outside your door. Properry currently unfurnished , but can be available furnished with exact furnishings in these photos for an additional cost (approx 25k). I Bay haven management is local expert in vacation rentals and has vetted the property and ready to manage property as vacation rental. High occupancy and high demand. 3rd bedroom is downstairs and functions as a den/office off rear porch.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,444
Sqft
0.09 ac
Lot size
1968
Year built
$3
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$188 /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
$188/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$3 vs $595
Days on market
85 vs 104 typical
Where $3/sqft sits among the 127 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 127
Singer Island actives have cut their price
This home is listed 98% below the SINGER ISLAND 33404 median. See the full Singer Island market guide →
Paper trail
This home's history
Reality check
What actually sold near 1216 Surf Road
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$360,000
3040 Lake Shore Drive # 2, Riviera Beach FL 33404
2 bd · 2 ba · 1,440 sqft · $250/sqft · 180 DOM
Sold · Jul ’26$835,000
3000 N Ocean Drive # 19e, Singer Island FL 33404
2 bd · 2 ba · 1,468 sqft · $569/sqft · 446 DOM
Sold · Jun ’26$1,347,500
200 Blossom Ln, Palm Beach Shores FL 33404
3 bd · 2 ba · 1,474 sqft · $914/sqft · 20 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 1216 Surf Road — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1216 Surf Road — 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
1216 Surf Road FAQs
What would the monthly payment be for 1216 Surf Road, Singer Island FL 33404?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $188/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 1216 Surf Road, 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 $3,900, this home is listed about 100% below the Singer Island median of $795,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1216 Surf Road, 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.
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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