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
$3,400,0003099 Banyan Road #B, Boca Raton, FL 33432
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 7, 2026, unless a row says otherwise.
- Price
- $3,400,000 · $1,120/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)
- $24,431/mo: $18,537 loan + $5,383 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 96 days
- Price history (this listing)
- Originally listed at $3,750,000; last price change Oct 7, 2026; listed Jul 30, 2026. Down $350,000.
Details
- TypeTownhouse
- Beds3 bd
- Baths3.5
- Size3,037 sqft
- Year built2026
- Parking2 garage, 6 spaces
- PoolPrivate
- LaundryLower Level, Upper Level
- NeighborhoodJOHNSTON HEIGHTS
- ZIP33432
- MLS #B26058142
- 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
New construction townhome by Primo Luxury Homes, just steps from the beach in Boca Raton's prestigious Spanish River Land neighborhood. This 3,037 sq ft residence with refined coastal-modern design, featuring custom wood-veneer millwork, a sophisticated light-beige palette, and premium finishes throughout. A private elevator services all levels, adding convenience and luxury to the home's thoughtful layout. The gourmet kitchen is equipped with Thermador appliances—including a 48" refrigerator, double ovens, microwave drawer, and dishwasher—and is complemented by a nearby bar area ideal for entertaining. The outdoor living experience is equally impressive, offering a beautifully designed pool alongside an outdoor kitchen, creating the perfect setting for relaxing or hosting gatherings just moments from the ocean. The primary suite offers custom warm-beige closets with an island and a spa-inspired bath featuring double sinks, a makeup vanity, dual shower heads, and a soaking tub. Additional features include 40"×40" matte light-beige porcelain tiles on the entire third floor, custom cabinetry in both laundry rooms, and a curated selection of Onyx and Crystal porcelain surfaces for a natural, elegant look. A rare opportunity to own a designer coastal residence in one of Boca Raton's most sought-after beachside communities.
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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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.