1020 Silk Oak Terrace # 104, Delray Beach FL 33445, DELRAY BEACH, FL, 33445
Active91 days on marketListed May 20, 2026MLS #B26030893
About this home
1020 Silk Oak Terrace # 104, Delray Beach FL 33445
Beautifully maintained 2-bedroom, 2-bathroom ground-floor condo located in a quaint 55+ community in the heart of Central Delray Beach. This spacious unit features an in-unit washer and dryer, assigned parking directly outside the front door, and an easy, functional layout. Residents enjoy access to a beautiful community pool and clubhouse in a peaceful, well-kept neighborhood. Conveniently located near shopping, dining, beaches, and major roadways. Easy to show.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,167
Sqft
0 ac
Lot size
1979
Year built
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$178 /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
$178/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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 Delray Beach actives
$2 vs $241
Days on market
91 vs 61 typical
Where $2/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
Get to know Delray Beach. See the full Delray Beach guide →
Pines Of Delray — neighborhood snapshot
Population
729
Median age
71
Median income
$44,861
Median home value
$198,800
Avg household
1
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 99% below the DELRAY BEACH 33445 median. See the full Delray Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 1020 Silk Oak Terrace # 104
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$185,000
2501 Del Aire Boulevard # B, Delray Beach FL 33445 · same community
2 bd · 1.5 ba · 982 sqft · $188/sqft · 66 DOM
Sold · Jul ’26$121,000
2805 SW 13th Street # d, Delray Beach FL 33445
2 bd · 2 ba · 1,167 sqft · $104/sqft · 4 DOM
Sold · May ’26$385,000
2949 SW 22nd Avenue # 27a, Delray Beach FL 33445
2 bd · 2.5 ba · 1,166 sqft · $330/sqft · 114 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1020 Silk Oak Terrace # 104 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1020 Silk Oak Terrace # 104 — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1020 Silk Oak Terrace # 104 FAQs
What would the monthly payment be for 1020 Silk Oak Terrace # 104, Delray Beach FL 33445?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $178/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.
Are pets allowed at 1020 Silk Oak Terrace # 104, 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 $2,500, this home is listed about 99% 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 1020 Silk Oak Terrace # 104, Delray Beach FL 33445?+
Orchard View 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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