
16645 Germaine Drive, Delray Beach FL 33446, DELRAY BEACH, FL, 33446
Active210 days on marketListed Jan 19, 2026MLS #R11155739
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
Inside
Outside & construction
Community & fees
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%
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
$258/mo
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
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
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
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)
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
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.
Sold · 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
Sold · 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
Sold · 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.

Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 16645 Germaine Drive — start here.

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
Pick a day that works — this goes straight to Kat's phone and CRM.
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.
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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