Kat Bonelli
$13,500$14,5004 bd5.5 ba3,537 sqft$4 /sqft$258 /mo all-in ↓

16645 Germaine Drive, Delray Beach FL 33446, DELRAY BEACH, FL, 33446

Active210 days on marketListed Jan 19, 2026MLS #R11155739

Priced 90% below the DELRAY BEACH 33446 medianReduced $1KWaterfrontPrivate poolSingle Family ResidenceSeven Bridges

About this home

16645 Germaine Drive, Delray Beach FL 33446

WHERE WATERFRONT LUXURY, PRIVACY, AND RESORT-STYLE LIVING COME TOGETHER. Perfectly positioned on a premium waterfront homesite within the prestigious Seven Bridges Gated community, this FULLY FURNISHED residence delivers the lifestyle that defines luxury South Florida living. With 4 bedrooms, 5 bathrooms, and 3,540 living square feet, every space has been thoughtfully designed to balance beauty, comfort, and effortless everyday living. Natural light pours through the home, custom wall finishes, dramatic marble stairs, and sweeping water views that create an unique atmosphere. At the heart of the home, an expansive open-concept living area flows seamlessly into a chef's kitchen featuring quartz countertops and backsplash, natural gas cooking, designer lighting, and views of the lake. Step outside and discover what truly sets this residence apart. A private pool, large waterfront setting, and fully equipped natural gas summer kitchen create an outdoor living experience rarely found.Luxury upgrades include a whole-house water filtration system, Tesla EV charger, central vacuum system, smart programmable thermostats, and tile flooring throughout with no carpet anywhere in the home.Even more exceptional is the convenience. Cable, high-speed internet, security alarm monitoring, pool service, lawn care, and interior and exterior pest control are all included, allowing for a truly effortless lifestyle. Residents enjoy access to an extraordinary collection of world-class amenities including two resort-style pools, a state-of-the-art fitness center, tennis courts, pickleball courts, basketball courts, an elegant clubhouse with restaurant, playground, social rooms, and a vibrant year-round social calendar.Tenant occupied until May 15, 2026.

Facts & features

The home at a glance

4

Bedrooms

5.5

Bathrooms

3,537

Sqft

2

Garage

2015

Year built

$4

Per sqft

Private poolWaterfrontLake & Water & Lake View viewFurnished,Furniture OnlyPets allowed

Inside

FlooringCeramic Floor · Marble
AppliancesDishwasher · Dryer · Microwave · Refrigerator · Washer
InteriorWalk-In Closet(s) · Utility Room/Laundry
LaundryLaundry Room · Utility Room/Laundry
CoolingCentral Air · Electric
HeatingGas
FurnishedFurnished,Furniture Only

Outside & construction

ViewLake · Water · Lake View
FacesEast
Parking2 Or More Spaces · Detached · Parking Garage
ExteriorBuilt-In Grill

Community & fees

PetsYes
CommunityClubhouse · Exercise Room · Game Room

Utilities & systems

The numbers

What it really costs

Principal and interest plus estimated taxes and insurance. Run your own numbers below.

$258 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$79
FHA mortgage insurance (est.)$6
Est. property taxes (1.1%/yr)$12
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $473Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesEstimated at 1.1%/yrInsuranceFlorida 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% · $473
Interest rate6.00%
Loan term

Estimated payment

$258/mo

Principal & interest$79
FHA mortgage insurance (est.)$6
Est. property taxes$12
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.

$/sqft vs Delray Beach actives

$4 vs $241

Days on market

210 vs 61 typical

Where $4/sqft sits among the 400 Delray Beach actives

146 · this home
137
36
26
14
41
$4–191$191–378$378–566$566–753$753–940$940+

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 Seven Bridges

Map of 16645 Germaine Drive, Delray Beach FL 33446 inside its neighborhood boundary

Get to know Delray Beach. See the full Delray Beach guide →

Seven Bridges — neighborhood snapshot

Population

997

Median age

46

Median income

$241,265

Median home value

$1,170,100

Avg household

3

Households w/ children

127

For the school run

Palm Beach County School District

ElementaryWhispering Pines Elementary School★★★★
MiddleEagles Landing Middle School★★★★
HighOlympic Heights Community High★★★★★
HighGlades Construction Academy At West Technical

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Delray Beach market

Seller’s marketLeans buyer11.3 months of inventoryBuyer’s market

$584K$433K

Delray Beach median sold, yr/yr

95.7%

Sale-to-list ratio (12 mo)

40 of 400

Delray Beach actives have cut their price

Median sold price, Delray Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 90% below the DELRAY BEACH 33446 median. See the full Delray Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $13,500 $1K
Jan 19, 2026Listed at $14,500 · 210 days on market since
2015Built · Seven Bridges

Reality check

What actually sold near 16645 Germaine Drive

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

9297 Tropez Lane, Delray Beach FL 33446Sold · Apr ’26

$2,100,000

9297 Tropez Lane, Delray Beach FL 33446 · same community

3 bd · 3.5 ba · 3,373 sqft · $623/sqft · 155 DOM

9350 Eden Roc Court, Delray Beach FL 33446Sold · Nov ’25

$1,550,000

9350 Eden Roc Court, Delray Beach FL 33446 · same community

3 bd · 3.5 ba · 3,277 sqft · $473/sqft · 64 DOM

16743 Picardy Way, Delray Beach FL 33446Sold · Apr ’26

$1,800,000

16743 Picardy Way, Delray Beach FL 33446 · same community

4 bd · 5 ba · 3,932 sqft · $458/sqft · 43 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.

Kat Bonelli

Your agent

Kat Bonelli

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 16645 Germaine Drive — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 16645 Germaine Drive — before you fall in love.

See it in person

Schedule a tour

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Straight answers

16645 Germaine Drive FAQs

What would the monthly payment be for 16645 Germaine Drive, Delray Beach FL 33446?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $258/mo — principal and interest, estimated property taxes 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.

Are pets allowed at 16645 Germaine Drive, Delray Beach FL 33446?+

The listing reports pets: 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 $13,500, this home is listed about 95% 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 16645 Germaine Drive, Delray Beach FL 33446?+

Whispering Pines Elementary School (elementary), Eagles Landing Middle School (middle), Olympic Heights Community High (high), 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

01Under the DELRAY BEACH 33446 market on paper

$13,500 is 90% below the DELRAY BEACH 33446 median of $139,000, and at $4/sqft it sits under the Delray Beach average of $379.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

210 days on market against a Delray Beach median of 61 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Whispering Pines Elementary School, Eagles Landing Middle School, Olympic Heights Community High, Glades Construction Academy At West Technical — Whispering Pines Elementary School rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $14,500, now $13,500 — a $1K cut. The full history is in the market section below.

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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