2105 NW 12th Street, Delray Beach, FL, 33445 | $619,000

Located on a quiet cul-de-sac within guard gated Rainberry Lake, this updated single-family home offers a rare combination of privacy, modern upgrades, and proximity to the water. The property sits just steps from the lake, with access to Lake Ida & Lake Osborne. With no neighbors on one side or behind the home, the 5, 000 sf lot feels spacious and private. The fenced patio with mature clusia hedge further adds to the sense of retreat, making the outdoor space both functional and private.

Inside, the home has been refreshed with renovations completed in 2024, including an open kitchen layout and the addition of a custom bar for everyday living and entertaining. Newer roof with owned solar panels (2024), all hurricane impact windows and doors. Whole-house water filtration system and water softenor, reverse osmosis drinking water system, custom closets, new spray foam insulation with new roof, extended driveway, brand-new washer and dryer, and interior paint (2024). Solar panels drive the monthly electric bills down considerably. The home is part of all-ages Rainberry Lake. Amenities include two community pools, both located on the lake, tennis courts, pickleball courts, and a basketball court. Rainberry Lake is centrally located in Delray Beach, offering easy access to Lake Ida's walking paths and boating opportunities, along with nearby shopping, dining, and the vibrant restaurants and boutiques of downtown Delray Beach along Atlantic Avenue. This setting delivers a balance of privacy, convenience, and an active South Florida lifestyle.

Features

  • Amenities: Basketball Court, Pool, Tennis Court(s), Pickleball Court(s), Sidewalks
  • Rooms: 8
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: In Garage, Laundry Tub
  • Development: Rainberry Lake
  • Year Built: 1982
  • Garage: 1-car Attached
  • Heating: Central, Electric
  • Cooling: Central Air, Ceiling Fan(s), Electric
  • Approx Sq. Feet: 1,690
  • Acreage: 0.11
  • Est. Taxes: $6,971
  • HOA Fee: $210 Monthly
  • Lot Desc: Cul-De-Sac
  • View: Lake
  • Elem. School: Crosspointe
  • Middle School: Carver Community
  • High School: Atlantic
  • Pet Policy: Yes, No Restrictions
  • Appliances: Electric Water Heater, Water Softener Owned, Dryer, Disposal, Dishwasher, Electric Range, Microwave, Refrigerator, Water Heater, Water Softener, Washer
  • MLS#: RX-11156848
  • Website: https://www.raveis.com
    /prop/RX-11156848/2105nw12thstreet_delraybeach_fl?source=qrflyer
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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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2105 NW 12th Street, Delray Beach, FL, 33445

$619,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $495,200 $495,200 $495,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.250% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.307% 6.443% 5.668%
Monthly Tax Payment $581 $581 $581
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,890 $3,049 $4,013
Total Monthly Payment $3,563 $3,722 $4,686

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.