Price cut $14.6M3D tour
$17,950,000
4080 Ibis Point Circle, Boca Raton 33431
Est. $128,849/mo with 20% down incl. HOA
Listing courtesy of Premier Estate Properties Inc · BeachesMLS
$19,975,0006960 Lake Estates Court, Boca Raton, FL 33496
Listing courtesy of Compass Florida LLC · 561-285-4283 · BeachesMLS
Full disclosure: what this home really costs
11 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
- $19,975,000 · $2,566/sqft
- Property taxes
- $65,936/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
- $1,082/moFrom the listing, unconfirmed
- Fee covers
- Cable TV, Security, Sewer, Trash, Common Areas
- Special assessments
- Yes – amount not listed, ask Zach
- Mandatory club / membership
- Required per the MLS. Membership fee per the MLS: $450,000. 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)
- $142,123/mo: $108,903 loan + $31,627 tax + $511 insurance + $1,082 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
- 2022 · 2 stories
- Days on market
- About 162 days
- Price history
- Not listed - ask Zach
Details
- TypeHouse
- Beds5 bd
- Baths7
- Size7,784 sqft
- Year built2022
- Parking4 garage, 4 spaces
- PoolPrivate
- WaterfrontYes
- ViewGolf Course, Water, Lake
- FurnishedUnfurnished
- NeighborhoodST ANDREWS COUNTRY CLUB
- ZIP33496
- MLS #B26035087
- To the beachAbout 5.3 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Striking contemporary waterfront estate, perfectly positioned to capture sweeping lake and golf course views. Located within the exclusive Lake Estates section of St. Andrews Country Club, this custom built home represents the pinnacle of luxury living. Built in 2022 by Cudmore Homes and designed by renowned interior designer Louis Shuster, this architectural masterpiece is situated on one of the best lots in St. Andrews, and features 5 bedrooms, 6 full baths, 2 half baths, 2 private offices, and dual 2-car garages, thoughtfully designed to accommodate both elegant entertaining and everyday living. Expansive walls of glass flood the home with natural light while seamlessly blending the indoor and outdoor environments. See Supplement Remarks for additional description. The open-concept floor plan is highlighted by soaring ceilings, designer finishes, and meticulously curated living spaces that embody modern elegance and unmatched attention to detail. The home includes a smart-home system, two laundry rooms, an elevator and a full-house generator. At the heart of the home is a spectacular chef's kitchen appointed with a complete suite of premium Wolf and Sub Zero appliances, including a gas cooktop, double ovens (one is a steam oven for the gourmet chef), warming drawer, 140 bottle secure wine refrigerator, 2 full size refrigerators and separate full size freezer, and oversized pantry. The luxurious primary suite serves as a private retreat, featuring dual spa-inspired primary baths, his with an oversized steam shower and sauna, a separate sitting room, and two spacious custom-built walk-in closets. A spectacular resort-style outdoor oasis overlooks tranquil water and lush golf course views, creating an unparalleled setting for relaxation and entertaining. The expansive outdoor living area features a custom designed pool and spa with dual height benches and a dedicated pump to enable high powered jet streams, and a summer kitchen complete with a built-in BBQ and phantom screens for indoor-outdoor living. A must see offering for the discerning home buyer seeking a turn key solution to one of the best homes in St. Andrews Country Club.
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 2022, 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 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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Text Zach
Price cut $15.6M3D tour
$17,950,000
4111 Ibis Point Circle, Boca Raton 33431
Est. $128,849/mo with 20% down incl. HOA
Listing courtesy of Premier Estate Properties Inc · BeachesMLS
Price cut $2.3M3D tour
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Price cut $1M3D tour
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700 Osprey Point Circle, Boca Raton 33431
Est. $164,307/mo with 20% down incl. HOA
Listing courtesy of InteRealty Properties, LLC · BeachesMLS
Listing courtesy of Compass Florida LLC · 561-285-4283 · 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 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.