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
$1,899,0003368 NW 53rd Circle, Boca Raton, FL 33496
Listing courtesy of Lang Realty/ BR · 561-998-0100 · 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 30, 2026, unless a row says otherwise.
- Price
- $1,899,000 · $735/sqft
- Property taxes
- $5,061/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
- $1,138/mo (listed as $3,415 quarterly)From the listing, unconfirmed
- Fee covers
- Cable TV, Internet, 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 29, 2026
- Monthly payment (estimate)
- $15,009/mo: $10,353 loan + $3,007 tax + $511 insurance + $1,138 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
- 1994 · 2 stories
- Days on market
- About 127 days
- Price history (this listing)
- Originally listed at $1,949,500; last price change Jul 30, 2026. Down $50,500.
Details
- TypeHouse
- Beds3 bd
- Baths2.5
- Size2,585 sqft
- Year built1994
- Parking2 garage, 2 spaces
- PoolCommunity
- ViewGarden
- Laundryin-unit
- NeighborhoodStratford Green
- ZIP33496
- MLS #B26046923
- To the beachAbout 5.1 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Experience the luxury of a completely reimagined home floor to ceiling with every detail redesigned from the roof & windows to the remarkable interior. Nestled on a private interior lot,this 2-story home with 3 bedrooms & 2½ baths provides the feel of brand-new construction. Soaring volume ceilings with LED lighting,skim-coated walls & ceilings,white polished 24" x 48" Italian rectified porcelain tile floors downstairs,light oak engineered wood upstairs,and a stunning staircase with tempered glass & a black aluminum railing create an unforgettable first impression.Custom zebra shades and raised solid-core doors enhance the home's contemporary aesthetic.The gourmet kitchen is a true showpiece,featuring white 42" upper cabinets with quartz counters & maple interiors and roll-out shelving, taupe wood lower cabinets,porcelain tile backsplash,and premium Thermador stainless steel appliances. The elegant Primary Suite is accented by custom contemporary wall moldings. Virtually every major component of the home has been replaced, including the roof & gutters, impact windows and doors (except for 3 glass block windows), impact garage door, 2 new HVAC systems with all-new ductwork, water heater, plumbing lines & Hansgrohe plumbing fixtures, electrical panel in the garage, attic insulation, California Closets throughout, epoxy garage floor, and Electrolux Titanium washer and dryer. Outside, a completely private all-new backyard retreat awaits with hedging, marble paver patio, and premium maintenance-free turf—perfect for relaxing or entertaining. Nothing has been overlooked. Simply unpack your toothbrush and begin enjoying a home that offers style, quality, and peace of mind. This is a truly rare opportunity not to be missed.
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 29, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1994, 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.
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 2, 2026, 4:36 PM 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.