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
$1,799,90021337 ROCK RIDGE Drive, Boca Raton, FL 33428
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 1, 2026, unless a row says otherwise.
- Price
- $1,799,900 · $472/sqft
- Property taxes
- $7,906/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
- $512/moFrom the listing, unconfirmed
- Fee covers
- Cable TV, Internet, Security, Common Areas, Recreation Facility
- Special assessments
- None listed
- Mandatory club / membership
- Not required per the MLS
Listing remarks: “Amenities include tennis courts with league play, pickleball courts, outdoor basketball courts, playground, fitness center, clubhouse and resort style heated pool- all with NO equity membership required.” - 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 30, 2026
- Monthly payment (estimate)
- $13,686/mo: $9,813 loan + $2,850 tax + $511 insurance + $512 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
- 1998 · 1 story
- Days on market
- About 88 days
- Price history
- Not listed - ask Zach
Details
- TypeHouse
- Beds5 bd
- Baths5
- Size3,810 sqft
- Year built1998
- Parking3 garage, 3 spaces
- PoolPrivate
- ViewGarden, Pool
- FurnishedUnfurnished
- NeighborhoodBOCA FALLS PAR S
- ZIP33428
- MLS #B26065457
- To the beachAbout 10 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Exceptional 5-bedroom, 5-bath residence in the highly sought-after Estates community of Boca Falls offering extensive upgrades, flexible living space & a private in-law suite. The chef's kitchen is appointed w/ custom luxury Cristallo natural quartzite countertops, KitchenAid & Frigidaire Professional appliances, wine refrigerator and an enormous island with seating for 8. All 5 bedrooms feature en-suite bathrooms that have been completely renovated w/ solid wood, soft-close cabinetry, including a beautifully finished primary bath w/ marble. LED recessed lighting, custom blinds & a whole-house water filtration system add to the home's thoughtful upgrades throughout. Outdoor living is equally impressive w/ a heated, replastered pool, with new waterline tile, travertine pool deck in a Versailles pattern, café string lighting throughout the screened enclosure, outdoor shower & extended paver walkways around the home. Additional features include smart exterior porch & garage lighting, hurricane-rated garage door, and a smart washer & dryer replaced in 2023. The garage offers exceptional functionality w/ an entire wall of built-in storage cabinetry, a built-in workbench w/ seating space & additional storage. Boca Falls offers 2 manned gated entrances and a third electronic gate to Waters Edge Elementary. Amenities include tennis courts with league play, pickleball courts, outdoor basketball courts, playground, fitness center, clubhouse and resort style heated pool- all with NO equity membership required. Ideally located near highly-rated schools including Waters Edge Elementary, Loggers' Run Middle & West Boca High, with South County Regional Park & Osprey Point Golf Course and shopping & dining at Uptown Boca nearby.
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 30, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1998, 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.
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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 2, 2026, 6:06 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.