364 Lake Monterey Circle, Boynton Beach FL 33426, BOYNTON BEACH, FL, 33426
Active50 days on marketListed Jun 24, 2026MLS #B26044945
About this home
364 Lake Monterey Circle, Boynton Beach FL 33426
Welcome to this beautifully maintained townhome in the sought-after gated community of Monterey Bay! Featuring a brand-new roof, this move-in-ready residence offers the perfect blend of comfort, convenience, and peace of mind. Enjoy spacious living areas, an open and functional layout, and a private outdoor space ideal for relaxing or entertaining. One of the standout benefits of this community is that the HOA fee includes homeowners insurance, providing exceptional value and helping simplify homeownership. Residents enjoy access to resort-style amenities including a community pool, park, playground, and beautifully maintained common areas. Conveniently located near shopping, dining, major highways, and just a short drive to Downtown Delray Beach and area beaches. Don't miss this opportunity to own in one of Boynton Beach's most desirable gated communities! Community amenities include a pool, park, and gated entrance.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,402
Sqft
0.03 ac
Lot size
2012
Year built
2
Levels
$260
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.
$3,273 /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
$3,273/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
−4.7%
$/sqft vs Boynton Beach actives
$260 vs $235
Days on market
50 vs 64 typical
Where $260/sqft sits among the 399 Boynton 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 Monterey Bay
Get to know Boynton Beach. See the full Boynton Beach guide →
Monterey Bay — neighborhood snapshot
Population
1,012
Median age
43
Median income
$120,218
Median home value
$514,700
Avg household
3
Households w/ children
50%
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 Boynton Beach market
$555K → $405K
Boynton Beach median sold, yr/yr
98.7%
Sale-to-list ratio (12 mo)
42 of 399
Boynton Beach actives have cut their price
Median sold price, Boynton Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 59% above the BOYNTON BEACH 33426 median. See the full Boynton Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 364 Lake Monterey Circle
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$400,000
1045 NW 18th Avenue, Delray Beach FL 33445
2 bd · 2 ba · 1,411 sqft · $283/sqft · 159 DOM
Sold · May ’26$170,000
730 NW 27th Avenue Apt A, Delray Beach FL 33445
2 bd · 2.5 ba · 1,384 sqft · $123/sqft · 81 DOM
Sold · Jun ’26$415,000
1235 NW 21st Terrace, Delray Beach FL 33445
2 bd · 2 ba · 1,384 sqft · $300/sqft · 6 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 364 Lake Monterey Circle — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 364 Lake Monterey Circle — 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
364 Lake Monterey Circle FAQs
What would the monthly payment be for 364 Lake Monterey Circle, Boynton Beach FL 33426?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,273/mo — principal and interest, the actual property-tax bill, the $425/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 364 Lake Monterey Circle, Boynton Beach FL 33426?+
The association fee works out to $425 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 364 Lake Monterey Circle, Boynton Beach FL 33426?+
The most recent tax bill on record (2025) was $4,607. 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 364 Lake Monterey Circle, Boynton Beach FL 33426?+
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 Boynton Beach?+
At $364,000, this home is listed about 12% above the Boynton Beach median of $325,000. The market section on this page shows how the area is trending.
Which schools are assigned to 364 Lake Monterey Circle, Boynton Beach FL 33426?+
Crosspointe 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.
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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