1840 NW 13th Street # 103, Delray Beach FL 33445, DELRAY BEACH, FL, 33445
Active76 days on marketListed Jun 3, 2026MLS #B26036455
About this home
1840 NW 13th Street # 103, Delray Beach FL 33445
Enjoy over 1,500 sq. ft. of spacious living in this first floor condo—including a screened-in patio—in this beautifully renovated waterfront condo located in a quiet, park-like setting on the canal. This condo offers extra room to entertain in the huge great room and large eat-in kitchen w/open pass-through and scenic green views visible throughout the unit. The ensuite primary bedroom features dual vanities, two sinks, and two walk-in closets. Step outside and enjoy plenty of outdoor space to BBQ, fish, or simply relax in your private oasis. Other highlights include full accordion hurricane shutters, dedicated parking, and cable TV included. Pines of Delray North is a 55+ man-gated community w/an onsite manager, two pools, gym, clubhouse, and a variety of athletic and social activities.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,335
Sqft
0 ac
Lot size
1979
Year built
1
Levels
$187
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.
$2,604 /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
$2,604/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
+32.3%
$/sqft vs Delray Beach actives
$187 vs $241
Days on market
76 vs 61 typical
Where $187/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 North
Get to know Delray Beach. See the full Delray Beach guide →
Pines Of Delray North — neighborhood snapshot
Population
905
Median age
63
Median income
$72,917
Median home value
$238,000
Avg household
2
Households w/ children
84%
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 25% above the DELRAY BEACH 33445 median. See the full Delray Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 1840 NW 13th Street # 103
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$192,000
1821 NW 18th Avenue # 104, Delray Beach FL 33445 · same community
2 bd · 2 ba · 1,335 sqft · $144/sqft · 13 DOM
Sold · Dec ’25$140,000
1361 NW 19th Ter # 203, Delray Beach FL 33445
2 bd · 2 ba · 1,335 sqft · $105/sqft · 1 DOM
Sold · Dec ’25$260,000
1520 NW 19th Ter # 102, Delray Beach FL 33445
2 bd · 2 ba · 1,335 sqft · $195/sqft · 11 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 1840 NW 13th Street # 103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1840 NW 13th Street # 103 — 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
1840 NW 13th Street # 103 FAQs
What would the monthly payment be for 1840 NW 13th Street # 103, Delray Beach FL 33445?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,604/mo — principal and interest, the actual property-tax bill, the $599/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 1840 NW 13th Street # 103, Delray Beach FL 33445?+
The association fee works out to $599 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1840 NW 13th Street # 103, Delray Beach FL 33445?+
The most recent tax bill on record (2025) was $3,147. 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 1840 NW 13th Street # 103, Delray Beach FL 33445?+
The listing reports pets: No, 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 $250,000, this home is listed about 7% 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 1840 NW 13th Street # 103, Delray Beach FL 33445?+
Atlantic High School (high), Crosspointe Elementary School (elementary), 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
01Positioned at the premium end
$250,000 runs 25% above the DELRAY BEACH 33445 median.
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 $599/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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