zach.homesRealty Hub 754-332-7529

Zach Curtis, REALTOR®, Realty Hub, license SL3664129 · 754-332-7529

$899,900190 NE 21st Street, Boca Raton, FL 33431

4 bd · 3 ba · 1,699 sqft · New · Active

Listing courtesy of Berkshire Hathaway HomeService · 954-449-2700 · 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 Nov 1, 2026, unless a row says otherwise.

Price
$899,900 · $530/sqft
Property taxes
$9,851/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
None per the listing: “With NO HOA, this home is ideal as a primary residence, seasonal getaway, or investment property.”Listing remarks, word for word, unconfirmed
What the fee covers
Not listed - ask Zach
Special assessments
Not listed - ask Zach
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)
$6,842/mo: $4,906 loan + $1,425 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
1956 · 1 story
Days on market
About 7 days
Price history (this listing)
Listed Oct 26, 2026.
190 NE 21st Street, Boca Raton, FL 33431, photo 1 of 12190 NE 21st Street, Boca Raton, FL 33431, photo 2 of 12190 NE 21st Street, Boca Raton, FL 33431, photo 3 of 12190 NE 21st Street, Boca Raton, FL 33431, photo 4 of 12190 NE 21st Street, Boca Raton, FL 33431, photo 5 of 12190 NE 21st Street, Boca Raton, FL 33431, photo 6 of 12190 NE 21st Street, Boca Raton, FL 33431, photo 7 of 12190 NE 21st Street, Boca Raton, FL 33431, photo 8 of 12190 NE 21st Street, Boca Raton, FL 33431, photo 9 of 12190 NE 21st Street, Boca Raton, FL 33431, photo 10 of 12190 NE 21st Street, Boca Raton, FL 33431, photo 11 of 12190 NE 21st Street, Boca Raton, FL 33431, photo 12 of 12

Details

  • TypeHouse
  • Beds4 bd
  • Baths3
  • Size1,699 sqft
  • Year built1956
  • PoolPrivate
  • ViewOther
  • FurnishedNegotiable
  • NeighborhoodWINFIELD PARK UNIT 1
  • ZIP33431
  • MLS #A12112740
  • To the beachAbout 1.0 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)

Check your commute (opens maps)

From the listing

Welcome to 190 NE 21st St., nestled in one of East Boca Raton’s most sought-after neighborhoods! This beautifully updated 4BR/3BA CBS ranch offers 2,243 SF of thoughtfully designed living space on a 7,599 SF lot. Major improvements include a 1.5 year-old roof, hurricane impact windows, 5-year-old A/C and water heater, and extensive plumbing upgrades with all-new PVC plumbing, providing added peace of mind for years to come. The open-concept floor plan features modern finishes, a spacious family room, split-bedroom layout, walk-in closets, abundant natural light, and a beautifully appointed kitchen with a center island, ample cabinetry, and stainless steel appliances. Step outside to your private tropical retreat featuring a south-facing 20’ x 40’ resort-style salt cell pool, expansive patio, covered lanai, and fully fenced backyard, perfect for entertaining or relaxing year-round. With NO HOA, this home is ideal as a primary residence, seasonal getaway, or investment property. Conveniently located just west of US-1 and minutes from Boca’s pristine beaches, Mizner Park, Royal Palm Place, downtown Boca Raton, Florida Atlantic University, Boca Raton Airport, Brightline, I-95, championship golf, waterfront dining, upscale shopping, and beautiful parks. Move-in ready with significant improvements already completed, this home offers the perfect blend of comfort, convenience, and the ultimate South Florida lifestyle! Welcome to 190 NE 21st Street | Boca Raton, FL. Live where convenience meets the coastal lifestyle in one of East Boca Raton’s most sought-after neighborhoods. Experience the best in this beautifully updated 4-bedroom, 3-bath CBS ranch-style home offering 2,243 square feet of thoughtfully designed living space on a 7,599-square-foot lot. Designed for both everyday comfort and effortless entertaining, the open-concept floor plan features modern finishes, a spacious family room, split-bedroom layout, walk-in closets, and abundant natural light throughout. The well-appointed kitchen is equipped with a center island, ample cabinetry, and stainless steel appliances, creating the perfect gathering space for family and friends. Step outside into your private tropical backyard retreat, complete with a 20’ x 40’ resort-style pool, expansive patio, and fully fenced yard, ideal for relaxing, entertaining, or enjoying the South Florida sunshine year-round. The covered lanai offers a comfortable extension of the home’s living space, providing welcome shade on war

Virtual tour

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.

Estimate closing costs for this home

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 1956, 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

  1. Pre-approval letter or proof of funds (cash)
  2. The price you'd offer and your deposit
  3. Financing type and closing date
  4. Inspection period you want (often 10-15 days)
  5. A signed buyer agreement with Zach (Florida practice before touring or offering)

Rather not check the box? That's fine. Zach will call or email instead.

Zach will reply as soon as he can. Your info goes to Zach only. Never sold, never shared. You choose how he reaches you, and STOP always works.

Nothing here is a binding offer. Zach calls you, checks the comps and writes the contract with you.

Tour 190 NE 21st Street, Boca Raton, FL 33431

Pick a time; same-day tours when the listing side allows. Zach confirms with the listing agent and texts you. Before a buyer tour Zach sends a short, plain-language buyer agreement to sign.

Pick a day

Same-day: 21 times left today, soonest 9:00 AM.

Rather not check the box? That's fine. Zach will call or email instead.

Zach will reply as soon as he can. Your info goes to Zach only. Never sold, never shared. You choose how he reaches you, and STOP always works.

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

  1. 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.
  2. Tour it
    Same day when the listing side allows, in person or live video.
  3. 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.
  4. Make the offer or apply
    Zach writes the offer or the application, negotiates, and handles the association approval.
  5. 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 will reply as soon as he can.

Your messages go to Zach only. Reply STOP anytime and he won't follow up again.

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Listing courtesy of Berkshire Hathaway HomeService · 954-449-2700 · 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 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.

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