Atlantic Luxury Advisors
Under contract. Ask us to watch it: if it comes back on the market, you hear first.
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42 photos

3520 Ocean #L405

South Palm Beach, FL 33480

$439,000
2
2
1,176 sq ft
1973
Condominium
$1,073/mo
Yes
Yes
28
Active Under Contract

Listing courtesy of Perez & DuBois Real Estate (Ionela Sidonia Callahan). Contact: [email protected].

About this home

Motivated seller. Rarely available two-bedroom, two-bathroom condo in Palmsea, one of the premier oceanfront buildings in South Palm Beach. The thoughtfully designed floor plan maximizes functionality, featuring a brand-new chef's kitchen and a spacious, open-concept living room. This incredibly well-managed building boasts outstanding financials, fully funded reserves, and a passed Milestone Inspection. With NO upcoming special assessments, all major projects—including building and seawall concrete restoration, parking lot resurfacing, and a new roof—have been completed within the past couple of years. Enjoy the peace of mind of a structurally sound building alongside the lowest HOA fees in the area for oceanfront living.

What it costs to own
Estimated monthly payment
$4,148/mo
Principal and interest
$2,220
Property tax
$580
Homeowners insurance
$275
HOA
$1,073

An estimate, not a loan offer. The rate and insurance are assumptions to edit with your own quotes; Florida insurance varies widely by age, construction and distance to the coast. Flood insurance and PMI are not included.

Florida cost of ownership
Estimated property tax
$6,962/yr

Estimate: the price times the Palm Beach County average total millage (17.49 mills, Florida Department of Revenue, 2025 average total millage by county), less the homestead exemptions. The actual bill depends on the city, the assessed value and special assessments. Save Our Homes then caps annual assessment increases at 3% or inflation, whichever is lower.

HOA
$1,073/mo (from the listing)
FEMA flood zone
Zone AE, special flood hazard area

Inside the 1% annual chance floodplain. Lenders require flood insurance on a financed home; ask for the elevation certificate.

Hurricane evacuation zone
Zone B: ordered to evacuate for Category 1 hurricanes and stronger.

Sources: FEMA National Flood Hazard Layer and the Florida Division of Emergency Management evacuation zones, looked up at the listing point. Confirm with an elevation certificate and your insurer.

Location

Listing data provided by the Southeast Florida Multiple Listing Service (MIAMI REALTORS®). The data is deemed reliable but is not guaranteed accurate by the MLS. IDX information is provided exclusively for consumers' personal, non-commercial use, may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and is deemed reliable but is not guaranteed accurate by the MLS. Atlantic Luxury Advisors is a real estate team at Keller Williams Realty. Payment, tax and flood figures on this page are estimates by Atlantic Luxury Advisors, not MLS data.