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About this home

PET FRIENDLY private gated home with large private fenced yard with room for pool. Located in the highly sought after TradeWinds neighborhood across the street from the multi-million-dollar properties on the direct Intracoastal in the East Delray Beach/Gulf Stream Florida. One level living, addition was built in 2007 with renovated kitchen & family room. Move-in ready, instant Approvals (NO HOA). Off-street parking with room for RV or Boat Parking behind the private gate. Great for buyers seeking a comfortable home or instant vacation rental/Airbnb income - BUILDERS and INVESTORS WELCOME! Located in Unincorporated Palm Beach County, offering builder-friendly codes, county-only taxes, no HOA, and public water/sewer for seamless redevelopment. Some photos were virtually staged. Welcome to one of the best redevelopment opportunities in East Delray Beach.Tradewinds Estates is one of East Delray Beach's most sought-after Intracoastal neighborhoods, where quiet coastal living meets exceptional long-term upside. 3216 Karen Drive offers a rare hybrid opportunity: enjoy the home now, generate rental income immediately, or plan a future luxury dream home. This single-story home has strong short-term rental history located in unincorporated Palm Beach County that offers advantages rarely found this close to the water. No mandatory HOA fees or rules, No rental restrictions (Airbnb/short-term friendly), Builder-friendly county codes (not subject to city restrictions), County-only property taxes and public water & sewer. This property is move-in ready with tile and wood flooring, recent addition built in 2007 added a new kitchen, family room and Florida room along the large fenced backyard with room for a pool, making it ideal as a full-time residence or instant income generator through Airbnb, seasonal rentals, or short-term stays. Located in Unincorporated Palm Beach County, owners benefit from more flexible building codes, county-only taxes, and public water/sewer perfect conditions for future redevelopment. The best long-term use is to build a luxury home that follows the proven success of nearby new builds that have sold. Tradewinds is undergoing a major transformation, with multiple multimillion-dollar homes recently completed or under construction. Plan your new luxury home just minutes to the Intracoastal, Atlantic Ave, and Delray's beaches. This high-demand location is undergoing rapid luxury transformation just minutes to Atlantic Avenue's award-winning dining and entertainment, top beaches, and the best of Delray Beach located is between West Palm Beach & Fort Lauderdale. Whether you are a homeowner seeking coastal living, an investor looking for immediate rental income, or a buyer planning to build a future luxury estate in a proven appreciation corridor, 3216 Karen Drive delivers flexibility, lifestyle, and upside in one of the fastest-evolving coastal neighborhoods in Palm Beach County Florida. Some photos were virtually staged.

Facts & features

Interior

  • Entrance Foyer
  • Laundry Tub
  • Pantry
  • Skylight
  • Split Bedroom
  • Walk-In Closet(s)
  • Den/Library/Office
  • Family Room
  • Florida Room
  • Utility/Laundry In Garage

Exterior

  • East Of Us1
  • Barbeque
  • Other
  • Room For Pool

Appliances

  • Electric Water Heater
  • Dishwasher
  • Dryer
  • Ice Maker
  • Microwave
  • Electric Range
  • Refrigerator
  • Washer

Cooling & heating

  • Ceiling Fan(s)
  • Central Air
  • Central
  • Electric

Flooring

  • Ceramic Floor
  • Other
  • Tile
  • Wood

Parking

  • 1 Space
  • 2 Or More Spaces
  • Detached
  • Driveway
  • Guest
  • Open
  • Parking Garage
  • On Street

Security

  • Smoke Alarm
  • Smoke Detector(s)
  • Smoke Detector
  • Security Fence
  • Walled

Laundry

  • Laundry Tub
  • In Garage

Pets

  • Yes

Construction & roof

  • CBS Construction
  • Other
  • Stucco
  • Barrel
  • Other Roof/Roof Structure
  • Tile
  • Barrel Roof
  • Concrete
  • Other
  • Tile Roof

Assigned schools

Middle

Carver; G.W.

High

Atlantic

School assignments should be independently verified.

Location

3216 Karen Drive, Delray Beach

Mortgage Estimator

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Home priceUSD
Enter as digits, with commas, or shorthand: 1.9M · 1900K · 1,895,000
ZIP codePalm Beach
Palm Beach County (exact match).
Payment typeFinanced
Conventional or jumbo loan, depending on size.
Down payment20% · $379,780
%
$1,519,120 financed· Jumbo loan
Loan termyears
Base rate% (760+ band)
Loading current market rate...
Your rate at 740-759:6.995%(base + 0.12%)
Loan exceeds the conforming limit. Jumbo rates from portfolio lenders typically run 0.25–0.75% below the 30-yr fixed shown here.
Primary residenceNo
No homestead exemption — full property tax applies.
Credit score banddrives rate
Lenders price LLPA adjustments by credit band. See impact panel for monthly + lifetime deltas.
Your finances optional, for DTI
Gross annual income
$
Other monthly debts
$
Household combined pre-tax income and the sum of your monthly debt-service payments (auto loans, student loans, credit-card minimums). We don't count groceries, utilities, or insurance — those don't factor into lender DTI.
Estimated monthly
$12,757
Per month, all-in
79%P&I SHARE
Monthly breakdown
  • Principal & interest$10,10279%
  • Property taxes$9547%
  • Insurance$1,70113%

Tax: From listing — annual tax of record.

Insurance: Direct coastal exposure — Florida hurricane corridor. Estimate; actual quote can be 30–50% higher on older homes or homes without wind mitigation.

Cash & qualification
Cash at closing
$441,196
Income to qualify
$547,000/yr
Credit-score impact

Improving from 740-759 to 760+ would save $122/mo and $43,958 over the life of this loan.

Over the life of the loan
Total paid
$3,636,591
Total interest
$2,117,471
Paid off
2056
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