Monthly Breakdown: $600K Home, Cash Buyer
| Expense | Monthly | Annual |
|---|---|---|
| HOA (Club Cresswind) | $230 | $2,760 |
| Property Tax (unincorporated PBC, homestead) | $490 | $5,880 |
| Homeowners Insurance | $270 | $3,240 |
| Electricity | $150 | $1,800 |
| Water / Sewer | $55 | $660 |
| Cable / Internet | $80 | $960 |
| Total Monthly | $1,275 | $15,300 |
The unincorporated advantage
Cresswind in unincorporated PBC: ~$490/mo tax. The same home in Boynton Beach: ~$555/mo. In Delray Beach: ~$570/mo. In Boca Raton: ~$580/mo. The unincorporated location saves $65–$90/month or $780–$1,080/year. Over 20 years: $15,600–$21,600.
How It Compares
At ~$1,275/month, Cresswind Palm Beach costs roughly the same as Valencia Shores ($1,320/month on a $450K home). The difference: Cresswind is new construction with the latest building codes and energy efficiency. Valencia Shores is 2006–2013 construction at a lower purchase price. You pay more upfront at Cresswind but get newer home and lower tax rate.
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