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
$2,175,00010722 KIRKALDY Lane, Boca Raton, FL 33498
Listing courtesy of Compass Florida, LLC · 954-477-7332 · 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 31, 2026, unless a row says otherwise.
- Price
- $2,175,000 · $564/sqft
- Property taxes
- $9,016/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
- $394/moFrom the listing, unconfirmed
- Fee covers
- Cable TV, Security, Trash, Common Areas, Recreation Facility
- Special assessments
- None listed
- Mandatory club / membership
- Not required per the MLS
- 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 Nov 2, 2026
- Monthly payment (estimate)
- $16,207/mo: $11,858 loan + $3,444 tax + $511 insurance + $394 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
- 1986 · 1 story
- Days on market
- About 3 days
- Price history (this listing)
- Listed Oct 30, 2026.
Details
- TypeHouse
- Beds5 bd
- Baths5
- Size3,856 sqft
- Year built1986
- Parking2 garage, 3 spaces
- PoolPrivate
- WaterfrontYes: Lake Front
- ViewGolf Course, Pool, Water, Lake, Pond
- Laundryin-unit
- FurnishedUnfurnished
- NeighborhoodSTONEBRIDGE 1
- ZIP33498
- MLS #B26094814
- To the beachAbout 8.9 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
EXCEPTIONAL PRIVACY | PANORAMIC LAKE & GOLF VIEWS | NEW POOL | BEAUTIFULLY RENOVATED | STONEBRIDGE COUNTRY CLUB | Some homes offer luxury. Others offer something far more extraordinary—the feeling of complete peace and privacy. Nestled at the end of a quiet cul-de-sac on an oversized one-third-acre homesite, this beautifully transformed lakefront estate enjoys one of the most serene settings in Stonebridge Country Club. Sweeping lake and golf course views, lush surroundings, and a remarkable sense of seclusion create a private retreat where the beauty of South Florida can be enjoyed every day.Thoughtfully renovated and move-in ready, this impressive single-story residence offers 3,856 square feet of living space, five bedrooms, a stunning remodeled kitchen, beautifully updated primary bath, fresh interior paint, and soaring ceilings that fill the home with natural light. Expansive windows frame the breathtaking scenery, bringing the outdoors into every moment. Step outside to your newly installed swimming pool, where tranquil water views and manicured fairways provide an unforgettable backdrop. Enjoy quiet mornings with coffee, sun-filled afternoons by the pool, and peaceful evenings surrounded by nature. Whether entertaining guests or simply unwinding, this is a home designed to make every day feel like a getaway. Additional highlights include a 2022 roof, 2026 air conditioning, partial impact windows and doors, whole-house generator, and three-car garage. Beyond your private sanctuary, Stonebridge Country Club offers championship golf, fine dining, tennis, pickleball, fitness, and an exceptional private club lifestyle, all minutes from Boca Raton's finest shopping, dining, and beaches. Beautiful homes can be renovated. Exceptional locations cannot be recreated. A rare opportunity to enjoy the perfect balance of privacy, breathtaking views, modern comfort, and country club luxury. Come experience the tranquility of this remarkable home. You may never want to leave.
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 Nov 2, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1986, 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
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Zach will reply as soon as he can.
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.
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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 Nov 1, 2026, 7:36 PM 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.