400 45th Street, West Palm Beach FL 33407, WEST PALM BEACH, FL, 33407
Active550 days on marketListed Feb 10, 2025MLS #F10486159
About this home
400 45th Street, West Palm Beach FL 33407
THIS IS YOUR FLORIDA PARADISE IN THE CHARMING HISTORIC NORTHWOOD RESIDENCE LOCATED ADJACENT TO THE INTRACOASTAL WATERS. HOME OFFERING 4 BEDROOMS AND 3 BATHROOMS, A LIGHT AND BRIGHT KITCHEN, TILED FLOORS, ARCHED DOORWAYS, AND SPACIOUS LIVING AREAS. FEATURES INCLUDE SPACIOUS DUAL MASTER SUITES AND A SEPARATE GUEST QUARTERS WITH SPACE FOR KITCHENETTE. JUST FOOTSTEPS TO THE SANDY BEACHES. VERY WELL KEPT AND UPDATED HOME THAT CAN BE USED IN SO MANY WAYS WITH A 2 CAR GARAGE. CURRENTLY USED AS AN AIRBNB. YOU CAN WALK ACROSS THE STREET TO THE PUBLIC PARK LOCATED ON THE WATERWAY. MANY ACTIVE ACTIVITIES INCLUDE BIKING, KAYAKING, RUNNING, AND VARIOUS WATER-SPORTS. A SPECTACULAR LOCATION IN WEST PALM BEACH.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,760
Sqft
2
Garage
1950
Year built
1
Levels
$560
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 — not generic estimates.
$6,761 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,761/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs West Palm Beach actives
$560 vs $254
Days on market
550 vs 63 typical
Where $560/sqft sits among the 399 West Palm 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 Northwood Gardens
Get to know West Palm Beach. See the full West Palm Beach guide →
Northwood Gardens — neighborhood snapshot
Population
499
Median age
54
Avg household
2
Households w/ children
29%
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 West Palm Beach market
$397K → $435K
West Palm Beach median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
45 of 399
West Palm Beach actives have cut their price
Median sold price, West Palm Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 310% above the WEST PALM BEACH 33407 median. See the full West Palm Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 400 45th Street
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$425,000
4901 Spruce Avenue, West Palm Beach FL 33407 · same community
4 bd · 2 ba · 1,680 sqft · $253/sqft · 11 DOM
Sold · Dec ’25$360,000
531 45th Street, West Palm Beach FL 33407 · same community
3 bd · 2 ba · 1,493 sqft · $241/sqft · 89 DOM
Sold · Jun ’26$625,000
439 45th Street, West Palm Beach FL 33407 · same community
2 bd · 2 ba · 1,315 sqft · $475/sqft · 192 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 400 45th Street — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 400 45th Street — 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
400 45th Street FAQs
What would the monthly payment be for 400 45th Street, West Palm Beach FL 33407?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,761/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 400 45th Street, West Palm Beach FL 33407?+
The most recent tax bill on record (2024) was $11,002. 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 400 45th Street, West Palm Beach FL 33407?+
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 West Palm Beach?+
At $985,000, this home is listed about 213% above the West Palm Beach median of $315,000. The market section on this page shows how the area is trending.
Which schools are assigned to 400 45th Street, West Palm Beach FL 33407?+
Northmore Elementary School (elementary), John F. Kennedy Middle School (middle), Palm Beach Lakes 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.
The brief
Four things that matter here
01Positioned at the premium end
$985,000 runs 310% above the WEST PALM BEACH 33407 median — but at 1,760 sqft it's also 42% larger than the typical West Palm Beach listing.
02Garden & Other & Other Water View views
The garden and other and other water view view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
550 days on market against a West Palm Beach median of 63 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,100,000, now $985,000 — a $115K cut. The full history is in the market section below.
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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