3D tour
$2,795,000
4501 N Ocean Boulevard #Th-04, Boca Raton 33431
Est. $23,127/mo with 20% down incl. HOA
Listing courtesy of Lang Realty/BR · BeachesMLS
$3,200,0003099 Banyan Road #A, Boca Raton, FL 33432
Open house: Oct 31, 2026, 4:00 PM to 6:00 PM
Listing courtesy of One Sotheby's International Realty · 561-997-7227 · 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 Oct 29, 2026, unless a row says otherwise.
- Price
- $3,200,000 · $1,058/sqft
- Property taxes
- $24,142/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 30, 2026
- Monthly payment (estimate)
- $23,024/mo: $17,446 loan + $5,067 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
- 2026 · 3 stories
- Days on market
- About 97 days
- Price history (this listing)
- Originally listed at $3,450,000; last price change Oct 7, 2026; listed Jul 30, 2026. Down $250,000.
Details
- TypeTownhouse
- Beds3 bd
- Baths3.5
- Size3,024 sqft
- Year built2026
- Parking2 garage, 6 spaces
- PoolPrivate
- Laundryin-unit
- NeighborhoodJOHNSTON HEIGHTS
- ZIP33432
- MLS #B26058140
- To the beachAbout 0.1 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Primo Luxury Homes proudly presents 3099 Banyan Townhouses, located in the highly desirable Spanish River Land beach neighborhood, just steps from Boca Raton's pristine shoreline. This 3,024 sq ft contemporary townhome features a warm, natural design aesthetic with custom wood-veneer millwork, elegant beige tones, and marble-inspired porcelain from the Onyx and Crystal collections. Enhancing convenience and livability, a private elevator services all three levels. The chef's kitchen includes Thermador appliances—48" refrigerator, double ovens, microwave drawer, and dishwasher—and opens to a stylish bar area perfect for entertaining. The home's outdoor spaces are equally impressive, showcasing a beautifully designed pool and a fully equipped outdoor kitchen that create the ideal setting for relaxed coastal living and hosting gatherings. The primary suite offers custom warm-beige closets with an island and a spa-like bathroom with double sinks, a makeup area, dual shower heads, and a soaking tub. The third floor is finished with 40"×40" modern matte tiles, and both first- and third-floor laundry rooms feature custom cabinetry. A beautifully crafted coastal retreat offering exceptional quality, elevated amenities, and walking distance to the beach.
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 2026, 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
Zach typically replies within 15 minutes, 8 AM to 9 PM ET. After hours, by 9 AM.
Your messages go to Zach only. Reply STOP anytime and he won't follow up again.
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Listing courtesy of One Sotheby's International Realty · 561-997-7227 · 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 Oct 31, 2026, 9:34 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.