3114 SW 20th Terrace, Delray Beach FL 33445, DELRAY BEACH, FL, 33445
Active209 days on marketListed Jan 19, 2026MLS #R11156765
About this home
3114 SW 20th Terrace, Delray Beach FL 33445
For sale!! This income producing property!! Located on the 1st floor 2-bedroom, 2-bath condo offers a private front patio and short distance from the pool. The kitchen has plenty of cabinet space for storage along with a large living and dining space. Impact windows. Newly renovated bathrooms with newer flooring and fixtures. Washer, dryer in the unit. Rented till Nov 2026/ Assigned parking. Close to shoppes, dining, entertainment and the beach. Great for Investment Close proximity to I-95
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,348
Sqft
0 ac
Lot size
1979
Year built
$245
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.
$3,252 /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
$3,252/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
−10%
$/sqft vs Delray Beach actives
$245 vs $241
Days on market
209 vs 61 typical
Where $245/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 Delray Oak West
Get to know Delray Beach. See the full Delray Beach guide →
Delray Oak West — neighborhood snapshot
Population
1,072
Median age
37
Median income
$62,138
Median home value
$246,000
Avg household
2
Households w/ children
142
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 65% 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 3114 SW 20th Terrace
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$257,500
3130 SW 20th Terrace, Delray Beach FL 33445 · same community
2 bd · 2 ba · 1,348 sqft · $191/sqft · 15 DOM
Sold · Apr ’26$205,000
3130 SW 20th Terrace, Delray Beach FL 33445 · same community
2 bd · 2 ba · 1,348 sqft · $152/sqft · 142 DOM
Sold · Jul ’26$275,000
2018 SW 29th Court # 0642, Delray Beach FL 33445 · same community
2 bd · 2 ba · 1,179 sqft · $233/sqft · 103 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 3114 SW 20th Terrace — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3114 SW 20th Terrace — 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
3114 SW 20th Terrace FAQs
What would the monthly payment be for 3114 SW 20th Terrace, Delray Beach FL 33445?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,252/mo — principal and interest, the actual property-tax bill, the $630/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 3114 SW 20th Terrace, Delray Beach FL 33445?+
The association fee works out to $630 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3114 SW 20th Terrace, Delray Beach FL 33445?+
The most recent tax bill on record (2025) was $4,483. 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 3114 SW 20th Terrace, 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 $330,000, this home is listed about 22% above the Delray Beach median of $269,999. The market section on this page shows how the area is trending.
Which schools are assigned to 3114 SW 20th Terrace, Delray Beach FL 33445?+
Orchard View Elementary School (elementary), Spanish River Community High School (high), Boca Raton Community 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
Five things that matter here
01Positioned at the premium end
$330,000 runs 65% 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 $630/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
209 days on market against a Delray Beach median of 61 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Orchard View Elementary School, Spanish River Community High School, Boca Raton Community Middle School, Glades Construction Academy At West Technical — Spanish River Community High School rates 4 of 5. Always verify assignments with the district.
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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