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
$6,000,000857 Havana Drive, Boca Raton, FL 33487
Listing courtesy of Ocean Luxury Properties LLC · 561-536-3335 · BeachesMLS
Full disclosure: what this home really costs
10 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 Sep 22, 2026, unless a row says otherwise.
- Price
- $6,000,000 · $1,479/sqft
- Property taxes
- $43,985/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
- 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 AE: high-risk flood area, base flood elevation 7 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 31, 2026
- Monthly payment (estimate)
- $42,723/mo: $32,712 loan + $9,500 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
- 1982 · 2 stories
- Days on market
- About 64 days
- Price history (this listing)
- Originally listed at $7,500,000; last price change Sep 3, 2026. Down $1,500,000.
Details
- TypeHouse
- Beds5 bd
- Baths4.5
- Size4,057 sqft
- Year built1982
- Parking2 garage, 6 spaces
- PoolPrivate
- WaterfrontYes: No Fixed Bridge, Ocean Access, Canal Front, Navigable Water, Seawall, Canal Width 1-80 Feet
- ViewCanal, Intracoastal
- LaundryMain Level, Upper Level
- FurnishedNegotiable
- NeighborhoodCARIBBEAN KEYS
- ZIP33487
- MLS #B26071294
- To the beachAbout 0.4 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Exceptional waterfront residence privately situated at the end of a quiet East Boca cul-de-sac. This 5BR/4.5BA, 5,618 SF home offers approx. 110' of waterfront, expansive water views, impact glass, elevator, gourmet kitchen, generous entertaining spaces and a luxurious second-floor primary suite with private lounge and balconies. Outdoor living includes a saltwater pool, spa, patio and BBQ area. 20 mins from the ocean with no fixed bridges. Adjacent 870 Havana Dr (MLS #B26071003) is separately offered and may also be purchased, creating an extraordinary three-lot waterfront property totaling approx. 34,908 SF (.80 acre) with approx. 550' of waterfront.
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 AE: high-risk flood area. A FEMA Special Flood Hazard Area (about a 1% chance of flooding each year). Lenders require flood insurance for federally backed mortgages here. Source: FEMA National Flood Hazard Layer, checked Oct 31, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1982, 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, 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.