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
$1,399,5006481 Timber Lane, Boca Raton, FL 33433
Listing courtesy of Berkshire Hathaway HomeServices Florida Realty · 954-315-6000 · 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 Nov 2, 2026, unless a row says otherwise.
- Price
- $1,399,500 · $436/sqft
- Property taxes
- $6,891/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
- $158/mo (listed as $475 quarterly)From the listing, unconfirmed
- Fee covers
- Security, Common Areas
- 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 29, 2026
- Monthly payment (estimate)
- $10,515/mo: $7,630 loan + $2,216 tax + $511 insurance + $158 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
- 1979 · 2 stories
- Days on market
- About 195 days
- Price history (this listing)
- Originally listed at $1,499,500; last price change Oct 26, 2026; listed Apr 21, 2026. Down $100,000.
Details
- TypeHouse
- Beds4 bd
- Baths3.5
- Size3,207 sqft
- Year built1979
- Parking2 garage
- PoolPrivate
- ViewGolf Course
- LaundryLaundry Tub
- NeighborhoodWHISPERING WOODS
- ZIP33433
- MLS #A12005332
- To the beachAbout 4.7 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
OPEN HOUSE - (SUNDAY 11/1 FROM NOON TO 2PM; DIAL 223 AT GATE) - PRICE JUST REDUCED!!! RARELY AVAILABLE IN WHISPERING WOODS! Experience elevated South Florida living in this stunning golf course home in the heart of Boca Raton. With 3,207 square feet, 4 bedrooms, and 3.5 baths, this residence blends spacious design with refined upgrades; soaring 20-foot vaulted ceilings create a dramatic first impression in the living and dining rooms, while walls of glass invite natural light throughout; the expansive 700 sq. ft. primary suite offers serene golf course views — your own private escape at the end of the day; step outside to a beautifully updated pool featuring Diamond Brite resurfacing and new tile (2021), perfect for entertaining or relaxing in total privacy, enhanced by a new hurricane-rated fence (2019); additional highlights include: complete hurricane protection, solid wood cabinetry in kitchen and baths, new roof (2018), exquisite gated community with low HOA, 5 minute drive to Town Center Mall and Sugar Sand Park, easy access to I-95, walking distance to houses of worship; a rare opportunity to own a golf course property with major upgrades already completed; the golf course, Via Mizner, has been completely re-done over the past few years; Whispering Woods is a part of the Great Boca Raton Beach & Parks District offering their residents access to the Boca Raton beaches etc.
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 1979, 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.