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
$1,990,0001455 NE 4th Avenue, Boca Raton, FL 33432
Listing courtesy of Tangent Realty Corp · 561-955-0025 · BeachesMLS
Full disclosure: what this home really costs
10 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 Sep 30, 2026, unless a row says otherwise.
- Price
- $1,990,000 · $866/sqft
- Property taxes
- $7,351/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
- Not listed - ask Zach
- What the fee covers
- Not listed - ask Zach
- 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 Oct 28, 2026
- Monthly payment (estimate)
- $14,511/mo: $10,849 loan + $3,151 tax + $511 insurance. 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
- 1955 · 3 stories
- Days on market
- About 210 days
- Price history (this listing)
- Listed Apr 7, 2026.
Details
- TypeHouse
- Beds4 bd
- Baths3.5
- Size2,299 sqft
- Year built1955
- Parking7 spaces
- Laundryin-unit
- FurnishedUnfurnished
- NeighborhoodWHISEM UNIT B
- ZIP33432
- MLS #B26012365
- To the beachAbout 0.7 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
This exceptional East Boca residence is located in the highly desirable Golden Triangle, just minutes from Mizner Park and the beach. This meticulously redesigned home in 2017 features complete hurricane-impact windows and doors, a durable metal roof (2018), and all-new plumbing and electrical systems for peace of mind. The thoughtfully designed split-level floor plan is enhanced by plantation shutters and abundant natural light throughout. The gourmet kitchen showcases quartz countertops, a striking walnut island, glass tile backsplash, and high-end stainless steel appliances. The lower level offers a versatile living area complete with a kitchenette and full bath -- for guests, in-laws, or flexible living arrangements. Step outside to a screened back porch with electric screens, creating seamless indoor-outdoor living. The fully fenced yard offers ample space for a future pool, while the detached shed with A/C and electricity provides the perfect opportunity for a home office, yoga studio, or creative retreat. Additional highlights include two 220V outlets for electric vehicle or RV charging, a tankless water heater, an electrically programmed sprinkler system, and an oversized driveway with space to accommodate up to seven vehicles or an RV.
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 1955, 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 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.
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
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Your messages go to Zach only. Reply STOP anytime and he won't follow up again.
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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.