Price cut $550K3D tour
$1,700,000
12137 Boca Reserve Lane, Boca Raton 33428
Est. $12,746/mo with 20% down incl. HOA
Listing courtesy of One Sotheby's International Realty · BeachesMLS
$1,849,00010591 Stonebridge Boulevard, Boca Raton, FL 33498
Listing courtesy of RE/MAX Select Group · 561-279-7800 · BeachesMLS
Full disclosure: what this home really costs
12 of 12 answered from real sources. Anything not in the listing says so, and one tap asks Zach. Nothing here is guessed. Source: BeachesMLS listing, updated Oct 19, 2026, unless a row says otherwise.
- Price
- $1,849,000 · $561/sqft
- Property taxes
- $4,569/yr (2025 bill). A new owner's bill is reset from the sale price and is usually higher; Zach can pull the county estimate.
- HOA / condo fee
- $365/moFrom the listing, unconfirmed
- Fee covers
- Cable TV, Insurance, Security, Sewer, Trash, Common Areas, Common Real Estate Tax, Recreation Facility
- Special assessments
- None listed
- Mandatory club / membership
- Required per the MLS. Membership fee per the MLS: $150,000. Ask Zach for the current club costs
- Insurance (estimate)
- About $6,136/yr (homeowners policy, county average). Get a real quote before you offer.Florida OIR county average with wind, data as of Mar 31 2026
- Flood zone
- Zone X: minimal flood hazard (per FEMA map). Flood insurance optional; often worth pricing.FEMA flood map, checked Oct 28, 2026
- Monthly payment (estimate)
- $13,885/mo: $10,081 loan + $2,928 tax + $511 insurance + $365 HOA. 20% down, 7.24% rate (Freddie Mac, week of October 29, 2026), 30 years. Change the numberszach.homes calculator (not a loan offer)
- Year built
- 1992 · 1 story
- Days on market
- About 242 days
- Price history (this listing)
- Originally listed at $1,999,999; last price change Oct 16, 2026. Down $150,999.
Details
- TypeHouse
- Beds4 bd
- Baths3.5
- Size3,294 sqft
- Year built1992
- Parking3 garage
- PoolPrivate
- WaterfrontYes: Lake Front
- ViewGolf Course, Pool, Water, Lake
- Laundryin-unit
- FurnishedUnfurnished
- NeighborhoodSTONEBRIDGE 2
- ZIP33498
- MLS #R11168141
- To the beachAbout 9.5 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Welcome to this exceptional four-bedroom, three-and-a-half-bathroom single-story waterfront residence in the prestigious Stonebridge community of Boca Raton. Offering 3,294 square feet of refined living space, this home is both spacious and beautifully appointed. As you enter, you'll immediately appreciate the thoughtfully designed layout that maximizes convenience and flow throughout the residence. The recent addition of new premium Italian tile in the main living areas adds a touch of luxury and sophistication. This home features impact windows installed in 2025, providing peace of mind and energy efficiency. The large, bright living spaces are complemented by designer chandelier .updated lighting, ceiling fans, and custom window treatments. Each room has been freshly painted with luxurious finishes to enhance the home's appeal. The bathrooms are elegantly updated, showcasing Swiss Madison fixtures, custom cabinetry, and exclusive high-end finishes. The kitchen, a chef's dream, is equipped with premium KitchenAid appliances and contemporary finishes, perfect for entertaining or daily living. Step outside to your private oasis where your outdoor living experience awaits. Enjoy the recently updated pool and freshly finished stone patio, surrounded by professional landscaping that was revamped in 2025. Relax in the covered lounge areas or stroll through the tropical paradise with avocado and mango trees, all maintained with a 6-zone irrigation system. Additional highlights include upgraded epoxy flooring in the three-car garage with impact garage doors, a durable roof installed in 2016, and newer AC systems. This move-in-ready dream home has been meticulously renovated with exceptional attention to detail throughout. Don't miss the opportunity to make this waterfront paradise in Stonebridge your own. Schedule a showing today and step into your new dream home.
Monthly payment calculator
Rate: 7.24% 30-year fixed average (Freddie Mac, week of October 29, 2026). Your own rate may differ; you can change it here.
Estimate, not a loan offer. Tax default: the higher of the seller's bill and about 1.9% of price (Florida resets a new owner's assessment). Insurance default: Florida OIR county average with wind, data as of Mar 31 2026. Rate is an assumption; your lender sets the real one. Zach doesn't take lender or title referral fees.
Florida risk facts
- Flood zone
- Zone X: minimal flood hazard (per FEMA map). Outside FEMA's mapped high-risk area. Many flood claims still come from outside high-risk zones, so a quote is worth getting. Source: FEMA National Flood Hazard Layer, checked Oct 28, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1992, before the statewide Florida Building Code took effect in 2002. Ask for the wind mitigation report; it can lower insurance. My Safe Florida Home offers free inspections and grants when funded.
- Disclosure
- Florida sellers must give you a flood disclosure about known flood damage, insurance claims and federal assistance (§689.302).
We don't show crime scores or rate neighborhoods. Every listing is open to everyone.
Start an offer
- Pre-approval letter or proof of funds (cash)
- The price you'd offer and your deposit
- Financing type and closing date
- Inspection period you want (often 10-15 days)
- A signed buyer agreement with Zach (Florida practice before touring or offering)
Nothing here is a binding offer. Zach calls you, checks the comps and writes the contract with you.
Ask Zach anything
One tap opens a text with this address filled in.
Zach replies personally within 15 minutes, 8 AM to 9 PM ET, 7 days. Outside those hours, by 9 AM.
From finding it to the keys, one agent
- Find it
Every home for sale and rent from the MLS, with the real monthly cost. Or tell Zach what you want and he looks for you. - Tour it
Same day when the listing side allows, in person or live video. - Afford it
Real Florida costs up front: taxes, HOA, insurance, flood zone, assessments. Buyers: pre-approval with a lender you choose. Renters: your renter résumé and documents in one place. - Make the offer or apply
Zach writes the offer or the application, negotiates, and handles the association approval. - Close or get the keys
Zach tracks every deadline through inspections, condo documents and closing or lease signing, then stays your agent after.
Report a problem with this listing
Wrong price, already sold, wrong photos, or something that looks like a scam copy? This goes straight to Zach, who fixes or escalates it within 2 business days.
Never send a deposit by Zelle, Cash App, wire or crypto, and never before you've seen the home with a licensed agent.
Chat with Zach
Zach typically replies within 15 minutes, 8 AM to 9 PM ET. After hours, by 9 AM.
Your messages go to Zach only. Reply STOP anytime and he won't follow up again.
Similar homes in Boca Raton
Text Zach
3D tour
$1,399,000
1181 SW Walnut Terrace, Boca Raton 33486
Est. $10,424/mo with 20% down incl. HOA
Listing courtesy of One Sotheby's International Realty · BeachesMLS
Price cut $410K3D tour
$1,990,000
1940 SW 7th Place, Boca Raton 33486
Est. $15,129/mo with 20% down incl. HOA
Listing courtesy of Coldwell Banker Realty · BeachesMLS
Price cut $100K3D tour
$1,395,000
20952 Delagado Terrace, Boca Raton 33433
Est. $10,674/mo with 20% down incl. HOA
Listing courtesy of Blue Lighthouse Realty, INC · BeachesMLS
Listing courtesy of RE/MAX Select Group · 561-279-7800 · BeachesMLS
All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright ©2026 BeachesMLS, Inc. Listing data last updated Oct 31, 2026, 9:34 AM ET. Listing information is deemed reliable but not guaranteed. zach.homes estimates and Zach's notes are shown separately from MLS data and labeled with their source.