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
$1,999,99920050 Hirono Lane, Boca Raton, FL 33434
Listing courtesy of Blue Realty Team, LLC · 954-626-8996 · 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 22, 2026, unless a row says otherwise.
- Price
- $1,999,999 · $516/sqft
- Property taxes
- $23,512/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
- $750/moFrom the listing, unconfirmed
- Fee covers
- Cable TV, Internet, Maintenance Grounds, Pest Control, Security, Common Areas
- 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)
- $15,332/mo: $10,904 loan + $3,167 tax + $511 insurance + $750 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
- 2024 · 2 stories
- Days on market
- About 25 days
- Price history (this listing)
- Originally listed at $2,100,000; last price change Oct 22, 2026; listed Oct 8, 2026. Down $100,001.
Details
- TypeHouse
- Beds5 bd
- Baths5
- Size3,876 sqft
- Year built2024
- Parking2 garage, 4 spaces
- PoolCommunity
- WaterfrontYes: Lake Front
- ViewWater, Lake
- Laundryin-unit
- FurnishedUnfurnished
- NeighborhoodBOCA RATON GOLF COURSE PUD
- ZIP33434
- MLS #B26085993
- To the beachAbout 6.4 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Located in the prestigious gated community of Lotus Palm in Boca Raton, this stunning 2024 residence offers 5 bedrooms, 5 bathrooms, 3,876 sq. ft. of living space & beautiful lake views. Thoughtfully upgraded throughout, the home features contemporary finishes & exceptional indoor/outdoor living. The gourmet kitchen features a dramatic chimney hood, stacked cabinetry, built-in pantry, 48-inch refrigerator surround, oversized island with Ethereal Glow quartz & under-cabinet lighting. The primary suite opens onto an impressive 22-foot covered verandah overlooking the lake. Its luxurious bathroom features Calacatta Venecia tile, Level V cabinetry, brushed bronze fixtures, Ethereal Glow quartz countertops, upgraded flooring & frameless glass shower. (See supplement remarks) Secondary bathrooms offer upgraded quartz countertops & floor-to-ceiling tile. Additional upgrades include hardwood flooring & stairs, 5-panel impact glass entry door, expanded driveway & walkway, enhanced lighting, security camera prewiring, backyard fencing & covered patio with Marble Slate herringbone pavers. Lake-fed irrigation adds convenience. Enjoy resort-style living with Lotus Palm's exceptional clubhouse, restaurant & bar, fitness center, resort pools, spa, tennis & pickleball courts, splash pad & children's recreational amenities.
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 2024, 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 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
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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, 8:35 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.