1101 Cactus Terrace

Delray Beach, FL 33445

$188,900

$162/ft²

2Beds

2Baths

1,167Sq ft

1979Year built

CondoType

About this home

LOW 3% DOWN PAYMENT AVAILABLE, DO YOU NEED HELP WITH CLOSING COSTS, WE CAN BE CREATIVE.Welcome to effortless South Florida living! This beautifully renovated 2-bedroom, 2-bathroom residence is truly move-in ready and offers exceptional value in one of the area's most amenity-rich active adult communities. Every major update has already been completed, including a brand-new roof, stylish flooring, fresh interior paint, updated bathrooms, and a stunning modern kitchen featuring stainless steel appliances, stone countertops, and abundant cabinet space. The bright and open floor plan is filled with natural light and includes the convenience of an in-unit washer and dryer. Enjoy a maintenance-free lifestyle in this vibrant 55+ community offering resort-style amenities, including two swimming pools, a spa, fitness center, tennis courts, pickleball, bocce, billiards, shuffleboard, social clubs, and countless activities designed to keep you active and engaged. Ideally located just minutes from pristine beaches, championship golf, and the renowned dining, shopping, and entertainment destinations of downtown Delray Beach and Boca Raton. The monthly maintenance fee of just $595 provides outstanding value and includes high-speed internet, expanded cable service, water, sewer, trash removal, pest control, exterior building maintenance, roof maintenance, professional management, and full access to all community amenities. Whether you're searching for a year-round residence or the perfect seasonal retreat, this turnkey home offers the carefree Florida lifestyle you've been dreaming of.

Features

Private pool
55+ community

Property details

Listing

MLS #: B26039441
Status: For sale
Listed on: Jun 10, 2026
Days on market: 61 days
Listing data updated: Aug 5, 2026

Interior

Beds: 2
Baths: 2
Living area: 1,167 ft²
Price per ft²: $162/ft²
Unit: 203

Building & community

Type: Condo
Year built: 1979
HOA fee: $595/mo
County: Palm Beach

Lot & exterior

Private pool: Yes

Days on market, price per ft² and the monthly HOA amount are calculated by this site from the MLS data shown; the association fee is normalized to a monthly figure.

True monthly cost

Mortgage (principal & interest): $955
Property taxes (est.): $173
Home insurance (est.): $233
Flood insurance (est.): —
HOA fee: $595

Estimated total$1,956*/mo

* Some cost lines aren't available yet for this listing; the total shown is incomplete.

Based on 20% down, a 6.5% rate and a 30-year loan, plus this home's estimated Florida carrying costs. All figures are illustrative estimates — not quotes, not financial or insurance advice.

Sources: flood zone — FEMA National Flood Hazard Layer; mortgage, taxes and insurance figures — this site's own estimates; HOA / CDD — as reported for this listing.

What will this home really cost you?

Building structural health (SIRS)

No filing record found

We couldn't find a SIRS filing record for this building in Florida's public DBPR database. That is not a red flag by itself: buildings under three stories are exempt, recent or mailed-in filings may not appear yet, and the name or address on file may differ from this listing.

Questions about this

What is a SIRS and why does it matter?

Since the Surfside collapse, Florida requires condo and co-op buildings three stories or taller to complete a Structural Integrity Reserve Study: an inspection-based plan that forces the association to fund structural repairs (roof, load-bearing walls, plumbing, electrical) instead of deferring them. It matters because underfunded buildings are the ones that surprise owners with large special assessments.

Has this building filed its SIRS?

We didn't find a filing record for this building in the DBPR's public database. Absence of a record does not mean the building is out of compliance — it may be exempt (under three stories), the filing may be recent or on paper, or the recorded name/address may differ. It IS the right question to ask before offering.

What is a special assessment?

A one-off charge the association levies on every owner when reserves don't cover a needed repair — in older coastal buildings they have ranged from a few thousand to over $100,000 per unit. The SIRS exists precisely to make these predictable and funded in advance. Always review the building's budget, reserves and meeting minutes before buying.

What should I check before buying in this building?

Florida law gives buyers the right to review the association's SIRS, milestone inspection reports, budget and reserves — the full study is available from the association by written request. Nilyan requests and walks through these documents with her buyers as part of the offer process.

Source: Florida DBPR public SIRS reporting database. Filing status is self-reported by the association; this is not an audit, inspection or safety certification, and absence of a record does not mean non-compliance. Data as of July 30, 2026.

Want the full structural picture of this building before you offer?