Price cut $1.4M3D tour
$5,799,000
499 NE 4th Street, Boca Raton 33432
Est. $41,309/mo with 20% down
Listing courtesy of One Sotheby's International Realty · BeachesMLS
$5,895,000801 NE Orchid Bay Drive, Boca Raton, FL 33487
Listing courtesy of Compass Florida, LLC · 305-315-2396 · BeachesMLS
Full disclosure: what this home really costs
9 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 31, 2026, unless a row says otherwise.
- Price
- $5,895,000 · $1,305/sqft
- Property taxes
- $37,778/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
- Not listed - ask Zach
- 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 Nov 1, 2026
- Monthly payment (estimate)
- $41,984/mo: $32,139 loan + $9,334 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 · 1 story
- Days on market
- About 13 days
- Price history (this listing)
- Listed Oct 20, 2026.
Details
- TypeHouse
- Beds4 bd
- Baths4.5
- Size4,517 sqft
- Year built2026
- Parking4 garage
- PoolPrivate
- WaterfrontYes: Canal Front
- ViewGarden, Pool
- NeighborhoodMORNINGSIDE
- ZIP33487
- MLS #A12108814
- To the beachAbout 0.5 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Set along 156 feet of lake frontage in Morningside at Boca Bay Colony, this 2026 farmhouse-inspired residence occupies an expansive 18,234 SF waterfront lot. Offering approximately 4,511 SF of living space, the home features 4 bedrooms, 4.5 baths, a dedicated office, and a thoughtfully designed split floor plan. Refined interiors showcase marble flooring in the main living areas, porcelain plank tile in the bedrooms, extensive architectural stonework, a striking gas fireplace, and a chef’s kitchen with marble countertops, under-cabinet lighting, Wolf cooking appliances, Sub-Zero refrigeration, and a concealed walk-in pantry. An entertainer’s bar features illuminated cabinetry, wine storage, an ice maker, and sink, while the primary suite offers a steam shower. Expansive covered terraces with motorized retractable screens create a seamless indoor-outdoor setting, featuring a summer kitchen, saltwater pool and spa, and fire pit overlooking the lake. Additional highlights include a metal roof, exterior architectural lighting, a 60 kW Generac generator, Honeywell security system, and a connected, air-conditioned 4-car garage with generous driveway parking. Conveniently located near Downtown Boca Raton, Mizner Park, Downtown Delray Beach, Atlantic beaches, and Boca Raton Airport for private aviation.
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 Nov 1, 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 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, 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.