1101 Cactus Terrace # 204, Delray Beach FL 33445, DELRAY BEACH, FL, 33445
Active256 days on marketListed Dec 2, 2025MLS #R11144635
About this home
1101 Cactus Terrace # 204, Delray Beach FL 33445
Bright corner unit. Brand NEW - AC March 2026. Renovated and furnished 2-bedroom, 2-bath condo located in the highly desirable 55+ community of Pines of Delray East in Delray Beach. No assessments, new roof, good reserves. This second-floor residence features all brand-new appliances, new kitchen and baths, upgraded finishes, and a warm, modern interior that feels truly move-in ready. Enjoy gorgeous new cabinetry with quartz countertops. Updated, modern bathrooms and warm neutral toned luxury vinyl. Federal Pacific electric panel has been replaced to code. 18 mo wait to lease. The spacious layout includes a comfortable living area, an eat-in kitchen, generous size bedrooms, and excellent storage throughout. Being sold furnished. Residents of Pines of Delray enjoy resort-style amenities including two clubhouses, two pools, tennis, pickleball, bocce, shuffleboard, billiards, a fitness center, and beautifully maintained grounds with active community programming. No assessments. The location is unbeatable minutes from Downtown Delray Beach and Atlantic Avenue, close to the beaches, and with easy access to I-95 for convenient travel throughout Palm Beach County and beyond. This renovated and furnished home offers exceptional value in one of Delray's most established 55+ communities.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,167
Sqft
0 ac
Lot size
1979
Year built
$188
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.
$2,398 /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
$2,398/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
+1.4%
$/sqft vs PINES OF DELRAY CONDO,PINES OF DELRAY
$188 vs $163
Days on market
256 vs 61 typical
Where $188/sqft sits among the 12 homes for sale in PINES OF DELRAY CONDO,PINES OF DELRAY
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)
0 of 12
PINES OF DELRAY CONDO,PINES OF DELRAY have cut their price
Median sold price, Delray Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 10% 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 1101 Cactus Terrace # 204
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$175,000
1131 Violet Terrace # 104, Delray Beach FL 33445 · same community
2 bd · 2 ba · 1,167 sqft · $150/sqft · 0 DOM
Sold · Oct ’25$214,000
2510 Black Olive 104 Boulevard # 104, Delray Beach FL 33445 · same community
2 bd · 2 ba · 1,167 sqft · $183/sqft · 216 DOM
Sold · May ’26$159,000
1130 Mahogany Way # 203, Delray Beach FL 33445 · same community
2 bd · 2 ba · 1,167 sqft · $136/sqft · 132 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1101 Cactus Terrace # 204 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1101 Cactus Terrace # 204 — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1101 Cactus Terrace # 204 FAQs
What would the monthly payment be for 1101 Cactus Terrace # 204, Delray Beach FL 33445?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,398/mo — principal and interest, the actual property-tax bill, the $595/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 1101 Cactus Terrace # 204, Delray Beach FL 33445?+
The association fee works out to $595 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1101 Cactus Terrace # 204, Delray Beach FL 33445?+
The most recent tax bill on record (2025) was $3,078. 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 1101 Cactus Terrace # 204, Delray Beach FL 33445?+
The listing reports pets: No, 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 $219,000, this home is listed about 19% 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 1101 Cactus Terrace # 204, 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.
The brief
Five things that matter here
01Positioned at the premium end
$219,000 runs 10% above the DELRAY BEACH 33445 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Know the monthly fee
The association fee is $595/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
256 days on market against a Delray Beach median of 61 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $225,000, now $219,000 — a $6K 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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