5285 Monterey Circle

Delray Beach, FL 33484

$479,900

3Beds

2.5Baths

—Sq ft

1989Year built

TownhouseType

About this home

Welcome to 5285 Monterey Circle, a beautifully renovated waterfront corner-unit townhome in the gated community of Monterey Lake in central Delray Beach. Updated with over $125,000 in upgrades, this spacious three-bedroom, two-and-a-half-bath residence offers more than 2,000 square feet under air. Soaring 10-foot ceilings, abundant natural light and an open floor plan create a bright and inviting atmosphere. The home features brand-new porcelain wood-look tile flooring and a redesigned kitchen with quartzite/marble countertops, stainless steel appliances, an under-counter microwave and wine refrigerator. The bathrooms have also been beautifully renovated, and the bedrooms offer generous closet space.Enjoy year-round breezes and sunrise views from the screened-in waterfront lanai. Accordion shutters throughout provide added storm protection and convenience. The HOA includes roof maintenance, exterior painting, building insurance, lawn service, pest control, security, internet, cable and community amenities. Monterey Lake offers a remodeled clubhouse, resort-style pool, Jacuzzi, tennis, pickleball, basketball and fitness center. Zoned for A-rated schools and conveniently located near all that Delray Beach has to offer, this home delivers exceptional space, style and value.

Features

Waterfront
Private pool

Property details

Listing

MLS #: A12052254
Status: For sale
Listed on: Jul 12, 2026
Days on market: 29 days
Listing data updated: Aug 8, 2026

Interior

Beds: 3
Baths: 2.5
Unit: I-(60)

Building & community

Type: Townhouse
Year built: 1989
HOA fee: $855/mo
County: Palm Beach

Lot & exterior

Waterfront: Yes
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): $2,427
Property taxes (est.): $440
Home insurance (est.): $317
Flood insurance (est.): —
HOA fee: $855

Estimated total$4,039*/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?