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
$1,895,0003299 NW 53rd Circle, Boca Raton, FL 33496
Listing courtesy of Compass Florida LLC · 561-285-4283 · 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 1, 2026, unless a row says otherwise.
- Price
- $1,895,000 · $650/sqft
- Property taxes
- $7,325/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
- $1,133/mo (listed as $3,400 quarterly)From the listing, unconfirmed
- Fee covers
- Cable TV, Maintenance Grounds, Security, Common Areas
- Special assessments
- None listed
- Mandatory club / membership
- Required per the MLS. Membership fee per the MLS: $170,000. Ask Zach for the current club costs
- 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)
- $14,976/mo: $10,332 loan + $3,000 tax + $511 insurance + $1,133 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
- 1995 · 2 stories
- Days on market
- About 96 days
- Price history (this listing)
- Listed Jul 31, 2026.
Details
- TypeHouse
- Beds5 bd
- Baths3.5
- Size2,915 sqft
- Year built1995
- Parking2 garage, 2 spaces
- PoolPrivate
- Laundryin-unit
- FurnishedPartially
- NeighborhoodStratford Green
- ZIP33496
- MLS #B26058754
- To the beachAbout 5.0 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Transferable golf membership AVAILABLE at this stunning 5 BD 3.5 BA in Stratford Green of Woodfield Country Club; this courtyard home blends timeless design with an inviting layout perfect for everyday living and entertaining. Rich dark wood flooring flows throughout the main living areas, complementing the beautifully appointed kitchen with dark wood cabinetry, crisp white countertops, and a peninsula with seating backed by the spacious family room. Designed with entertaining in mind, the expansive living room showcases custom wall built-ins, creating the perfect focal point for a media center. A charming breakfast area overlooks the main living space, enhancing the home's open, connected feel. The adjacent living space offers room for formal dining and additional seating, with sliding glass doors opening to the back patio. The layout offers the flexibility to create a more open-concept connection between the kitchen and adjoining living area as well. The first-floor primary suite is a peaceful retreat, featuring sliding glass doors that fill the room with natural light and overlook the tropical courtyard pool. A generous walk-in closet and well-appointed primary bath with a soaking tub complete the suite. Upstairs, you'll find three additional bedrooms along with an updated full bathroom. Across the private courtyard, a detached guest suite offers exceptional privacy and features a beautifully renovated ensuite bath, making it ideal for guests, extended family, or a home office. Outside, enjoy the best of Florida living with a tropical private courtyard with plenty of covered patio space for lounging, complete with a sparkling pool and ample space for relaxing or entertaining. An additional patio in the back of the home presents added space for lounging and entertainment. Priced at $1.895M with golf available for an additional $500k.
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 1995, 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
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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.