CENTURY 21 Edge
$459,900$474,9003 bd2 ba1,480 sqft$311 /sqft$3,782 /mo all-in ↓

1314 N J Street, FL 33460, FL, 33460

Active45 days on marketListed Jun 26, 2026MLS #B26046080

Reduced $15KSingle Family ResidenceNORTH LAKE WORTH,Mango Groves

About this home

1314 N J Street, FL 33460

INVESTOR OPPORTUNITY!! Welcome FHA/VA buyers. Have you been thinking of buying an investment property that you can live in and generate income from a second unit? This legally zoned duplex offers just that. Live in the main house and rent out the rear unit or vice versa. This home has a rental history as an Airbnb - $3500 a month average for short-term rental of the rear unit or $1600 a month as an annual rental. Built in 1940, this historic Spanish Mission charmer has been updated in all the right places. It is light and bright with fresh paint inside and out. The main house is a 2-bedroom, 1 bath home that features newly installed luxury vinyl plank floors throughout, crown molding, a woodburning fireplace, central A/C, and a spacious kitchen with loads of storage, quartz counters and stainless appliances. You will love relaxing on the large, screened lanai that looks onto the backyard that is fully fenced for privacy. The rear unit has its own private entrance from the outdoors. It features Saltillo floors throughout, spacious living areas, a walk-in closet, and a full kitchen. The home offers versatile living options. Maintain it as two units for steady cash flow or join the units, creating a spacious single-family home, or use it for multi-generational living, providing family independence with their own living space and kitchen, plus a private entrance. The home also has coveted off-street parking for two vehicles. Hurricane accordion shutters provide peace of mind. And it's NOT in a flood zone! *Taxes reflect only a partial exemption.* Seller open to closing cost credit and/or rate buydown, depending on offer. Everything is close by, including Trader Joe's that just opened around the corner. Hip and artsy downtown Lake Worth Beach with its sidewalk cafes, art galleries, jazz clubs, and specialty shops is one mile away for you to explore. And the beach and boardwalk is just two miles away. You're never at a loss for something to do. Grab your bag and head to the waterfront green market on Saturdays. Or play 18 holes at the waterfront public golf course. Spend the day at the beach where you will find shops, restaurants and a 300' pier where you can fish or just enjoy a leisurely stroll. Explore the Arts District and take in a live glass-blowing demonstration at the Benzaiten Center for Arts or a play at the Lake Worth Playhouse. The city loves its festivals. It hosts many throughout the year, the Street Painting Festival being its signature event, where artists paint the streets, turning downtown into an outdoor art gallery with more than 200 street paintings. Centrally located to Palm Beach International Airport, the Brightline train, and all that West Palm Beach and the glitzy Island of Palm Beach have to offer. This is your chance to own a piece of paradise!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,480

Sqft

0.11 ac

Lot size

1940

Year built

1

Levels

$311

Per sqft

Pets allowed

Inside

FlooringCeramic Floor · Tile · Vinyl · Wood
AppliancesElectric Water Heater · Dishwasher · Dryer · Ice Maker · Microwave · Electric Range · Refrigerator · Solar Hot Water · Washer
InteriorFrench Doors · Pantry · Split Bedroom · Walk-In Closet(s)
CoolingCeiling Fan(s) · Central Air · Electric · Wall/Window Unit(s)
HeatingCentral · Electric · Heat Strip

Outside & construction

RoofComposition Roll · Flat Tile · Flat Roof With Facade Front
ConstructionStucco
FacesWest
Parking2 Or More Spaces · Driveway
ExteriorEast Of Us1 · Outdoor Shower

Community & fees

Taxes (2025)$8,538/yr
PetsYes
CommunityPaved Road

Utilities & systems

UtilitiesCable Connected · Water Connected · Cable Available · Electricity Available · Sewer Available · Water Available
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.

$3,782 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,707
FHA mortgage insurance (est.)$203
Property tax — 2025 actual bill$712
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,097Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $16,097
Interest rate6.00%
Loan term

Estimated payment

$3,782/mo

Principal & interest$2,707
FHA mortgage insurance (est.)$203
Property taxes (actual bill)$712
Est. insurance$160

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.

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.

Kamilla Pagotto

Your agent

Kamilla Pagotto

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 1314 N J 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 1314 N J Street — before you fall in love.

See it in person

Schedule a tour

Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

1314 N J Street FAQs

What would the monthly payment be for 1314 N J Street, FL 33460?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,782/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 1314 N J Street, FL 33460?+

The most recent tax bill on record (2025) was $8,538. 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 1314 N J Street, FL 33460?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

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®.

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated August 10, 2026 at 1:16 PM UTC. The listing information on this page last changed on August 10, 2026 at 1:16 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on August 10, 2026 at 1:16 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: August 10, 2026 at 1:16 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.