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
$2,250,00017963 LAKE AZURE Way, Boca Raton, FL 33496
Listing courtesy of Compass Florida LLC · 561-285-4283 · BeachesMLS
Full disclosure: what this home really costs
11 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 29, 2026, unless a row says otherwise.
- Price
- $2,250,000 · $513/sqft
- Property taxes
- $22,825/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
- $969/mo (listed as $2,907 quarterly)From the listing, unconfirmed
- Fee covers
- Cable TV, Maintenance Grounds, Security, Trash, Common Areas, Common Real Estate Tax
- 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 1, 2026
- Monthly payment (estimate)
- $17,310/mo: $12,267 loan + $3,563 tax + $511 insurance + $969 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
- 2006 · 2 stories
- Days on market
- About 14 days
- Price history
- Not listed - ask Zach
Details
- TypeHouse
- Beds5 bd
- Baths5
- Size4,390 sqft
- Year built2006
- Parking3 garage, 6 spaces
- PoolPrivate
- WaterfrontYes: Lake Front
- ViewPool, Water, Lake, Pond
- Laundryin-unit
- FurnishedUnfurnished
- NeighborhoodOAKS AT BOCA RATON 5
- ZIP33496
- MLS #B26093937
- To the beachAbout 7.6 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
This stunning Boca Raton residence blends stylish interiors with major recent improvements, including a NEW ROOF (2025), FULL impact windows and doors (2023), and a new generator (2024). An updated kitchen, wood flooring, updated bathrooms, and custom family room built-ins (2025) enhance the interior. Custom blinds and upgraded ADT/Ring security add everyday convenience. Enjoy outdoor living with a heated saltwater pool featuring a Diamond Brite finish, waterfall, and marble decking, all updated in 2022. Refreshed front and rear landscaping and a stone dog run complement the outdoor setting. Additional highlights include large side yard easement with green space, whole-house water filtration (2024), a new downstairs Lennox A/C with UV germicidal light (2024), separate A/C systems serving the primary suite and upstairs, an EV charger (2023), and a washer and dryer (2022). Painted inside and out in 2022, this thoughtfully improved home offers comfort, convenience, and lasting appeal. The Oaks offers resort-style living with 24-hour manned security, two gated entrances, and an exceptional array of amenities. Enjoy a clubhouse with planned updates, an on-site restaurant, facilities and championship level leagues in tennis and pickleball, a resort-style pool with cabanas, full spa, state of the art fitness center, basketball courts, and dedicated kids' and teen spaces.
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 1, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 2006, after 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.