Atlantic Luxury Advisors
3114 Ocean #509 photo 13114 Ocean #509 photo 23114 Ocean #509 photo 33114 Ocean #509 photo 43114 Ocean #509 photo 5

47 photos

3114 Ocean #509

Highland Beach, FL 33487

$530,000
2
2
1,102 sq ft
1970
1 car
Condominium
$962/mo
Yes
15
Active

Listing courtesy of PBP Real Estate LLC (Gia Marie Freer). Contact: [email protected].

About this home

Wake up to sun-washed water views in this beautifully renovated 2BR/2BA at Monterey House, perched directly on the Highland Beach barrier island with deeded beach access just steps across the street. Unit 509 lives large, opening into a sweeping living and dining space that stretches toward a wall of glass and a French door leading out to your own private balcony, where the intracoastal waterway and skyline unfold over the treetops. The kitchen is where this home truly shines. Espresso and white frosted-glass flat-panel cabinetry pairs with granite counters and a full stone linear backsplash, while stainless appliances, including a Frigidaire Professional range, complete the chef-caliber feel. A pass-through window connects the kitchen to the dining room, so whoever's cooking never misses a moment of the conversation. Polished tile greets you at the entry, ceiling fans keep every room comfortable, and generous closets offer the storage today's buyers look for. The layout is ready for your finishing touches, taking new paint and flooring beautifully if you want to add your own personal stamp. And with the building's major work already complete, engineering, concrete restoration, and impact glass all behind it, you can move in with confidence and simply start enjoying the island life.

What it costs to own
Estimated monthly payment
$4,688/mo
Principal and interest
$2,680
Property tax
$713
Homeowners insurance
$333
HOA
$962

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
$8,554/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
$962/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.