David Ramirez
$2,290,000$2,400,0003 bd3.5 ba3,790 sqft$604 /sqft$13,375 /mo all-in ↓

265 E 23rd Street, Riviera Beach FL 33404, RIVIERA BEACH, FL, 33404

Active184 days on marketListed Feb 10, 2026MLS #R11162459

Reduced $110KNew constructionWaterfrontPrivate poolSingle Family ResidenceLot 2 OF 257 E 23rd street

About this home

265 E 23rd Street, Riviera Beach FL 33404

Direct Intracoastal waterfront vacant lot offering a rare opportunity to build a custom luxury single-family residence in a prime Palm Beach County location. Enjoy breathtaking sunrise views over the Intracoastal Waterway and quick ocean access within minutes -- perfect for boating enthusiasts. Buyer may construct a private dock, and seawall improvements are currently in progress. Property is being sold as vacant land with no existing structure. Buyer to design and build a single-family home subject to obtaining all required plans, permits, and approvals. Any renderings or architectural concepts are for illustrative purposes only. Exceptional opportunity to create a private waterfront estate in one of South Florida's most desirable boating locations. Direct intercoastal access, Waterfron

Facts & features

The home at a glance

3

Bedrooms

3.5

Bathrooms

3,790

Sqft

2

Garage

2026

Year built

0

Levels

$604

Per sqft

Private poolWaterfrontIntracoastal View viewPets allowed

Inside

FlooringOther
InteriorNo Interior Features
CoolingNone · Other
HeatingNone · Other

Outside & construction

ConstructionOther
ViewIntracoastal View
FacesEast
Parking2 Or More Spaces · Parking Garage

Community & fees

Taxes$0/yr
PetsYes

Utilities & systems

UtilitiesNo Utilities · None
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$13,375 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$12,357
PMI (est., until 20% equity)$859
Property tax — 0 actual bill$0
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $229,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $229,000
Interest rate6.00%
Loan term

Estimated payment

$15,475/mo

Principal & interest$12,357
PMI (est., until 20% equity)$859
Est. property taxes$2,099
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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 Riviera Beach actives

$604 vs $295

Days on market

184 vs 65 typical

Where $604/sqft sits among the 182 Riviera Beach actives

114
39
12 · this home
4
3
10
$190–342$342–494$494–646$646–798$798–949$949+

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 Downtown Riviera Beach

Map of 265 E 23rd Street, Riviera Beach FL 33404 inside its neighborhood boundary

Get to know Riviera Beach. See the full Riviera Beach guide →

Downtown Riviera Beach — neighborhood snapshot

Population

1,535

Median age

55

Median income

$55,853

Median home value

$320,656

Avg household

2

Households w/ children

83%

For the school run

Palm Beach County School District

ElementaryLincoln Elementary School★★★★
MiddleJohn F. Kennedy Middle School★★★★
HighPalm Beach Gardens High School★★★★★
HighGlades Construction Academy At West Technical

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Riviera Beach market

Seller’s marketLeans buyer16.2 months of inventoryBuyer’s market

$635K$380K

Riviera Beach median sold, yr/yr

96.2%

Sale-to-list ratio (12 mo)

11 of 182

Riviera Beach actives have cut their price

Median sold price, Riviera Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 823% above the RIVIERA BEACH 33404 median. See the full Riviera Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $2,290,000 $110K
Feb 10, 2026Listed at $2,400,000 · 184 days on market since
2026Built · Lot 2 OF 257 E 23rd street

Reality check

What actually sold near 265 E 23rd Street

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2700 N Ocean Drive # 401a, Riviera Beach FL 33404Sold · Jun ’26

$4,000,000

2700 N Ocean Drive # 401a, Riviera Beach FL 33404

3 bd · 3.5 ba · 3,605 sqft · $1,110/sqft · 68 DOM

220 Esplanade Way, Palm Beach FL 33480Sold · Jul ’26

$13,396,000

220 Esplanade Way, Palm Beach FL 33480

4 bd · 5.5 ba · 4,124 sqft · $3,248/sqft · 42 DOM

150 Inlet Way Ph, Palm Beach Shores FL 33404Sold · Jul ’26

$5,100,000

150 Inlet Way Ph, Palm Beach Shores FL 33404

3 bd · 4.5 ba · 4,144 sqft · $1,231/sqft · 3 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 265 E 23rd Street — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 265 E 23rd 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.

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Goes straight to David’s phone and CRM.

Straight answers

265 E 23rd Street FAQs

What would the monthly payment be for 265 E 23rd Street, Riviera Beach FL 33404?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $13,375/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.

What are the property taxes on 265 E 23rd Street, Riviera Beach FL 33404?+

The most recent tax bill on record was $0. 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 265 E 23rd Street, Riviera Beach 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 Riviera Beach?+

At $2,290,000, this home is listed about 442% above the Riviera Beach median of $422,450. The market section on this page shows how the area is trending.

Which schools are assigned to 265 E 23rd Street, Riviera Beach FL 33404?+

Lincoln Elementary School (elementary), John F. Kennedy Middle School (middle), Palm Beach Gardens 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

$2,290,000 runs 823% above the RIVIERA BEACH 33404 median — but at 3,790 sqft it's also nearly 3 times the size of the typical Riviera Beach listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

184 days on market against a Riviera Beach median of 65 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $2,400,000, now $2,290,000 — a $110K cut. The full history is in the market section below.

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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