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+53 photosTwilight Photo — 10074 Boca Vista Drive · Boca Vista · Boca Raton



























































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Open property magazine$975,000
10074 Boca Vista Drive, Boca Raton, FL 33498
Boca Raton, FL, 33498
6 bd · 4 ba · 3,603 sqft
Listed by LoKation
10074 Boca Vista Drive, Boca Raton, FL 33498
Listed by LoKation
Add this home to your tour day
Pick up to 6 homes. Simon confirms times with each listing agent, then sends you the final schedule.
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Know your costs before you buy
Work through three numbers: your estimated monthly payment, the cash needed at closing, and insurance & flood.
Estimated Monthly Payment
20% down · 6.75% interest · 30-year loan · Conforming loan
Principal, interest, taxes and insurance, HOA. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $5,059/mo
- Property tax (after sale) est.
- $920/mo
- Homeowners insurance est.
- $484/mo
- HOA
- $310/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
10074 Boca Vista Drive, Boca Raton, FL 33498
Estimated cash to close est.
$212,377.00
Down payment plus Florida taxes, title, lender and prepaid costs.
Partial estimate: unknown amounts are excluded. Ask Simon to verify them.
Estimate only. Your lender's Loan Estimate and the title company's closing disclosure are the final numbers. Not financial advice.
Estimate only, not guaranteed. Verify before you buy or sell.
Loan amount (calculated): $780,000.00Conforming loan
Current site planning rate. Rate does not change the taxes or fees below. Prepaid interest is not included.
Edit closing costs & prepaids
Assumes both policies cover identical land and dates, with loan coverage within owner coverage—even if the seller pays owner title. Minimum lender premium $25. Turn off if not eligible. Endorsement allowance defaults to one $25 endorsement; actual requirements and premiums vary (Florida 69O-186.005).
Appraisal starts at $650. Waterfront and luxury homes may require a higher fee; confirm with your lender.
Tax uses existing ZIP estimates (after sale); insurance uses existing site estimates. Edit with your quote. If HOA insurance is included, confirm separate unit-owner coverage. Missing HOA costs are excluded—not assumed zero.
Estimated cash to close est.
$212,377.00
- Down payment est.
- $195,000.00
- Mortgage note documentary stamps est.
- $2,730.00
- Mortgage intangible tax est.
- $1,560.00
- Lender’s title insurance est.
- $25.00
- Lender title endorsements est.
- $25.00
- Lender fees est.
- $1,500.00
- Appraisal est.
- $650.00
- Title search & examination est.
- $125.00
- Municipal lien search est.
- $150.00
- Settlement / closing fee est.
- $450.00
- County recording (deed) est.
- $30.00
- County recording (mortgage) est.
- $120.00
- Inspection, wind mitigation & 4-point est.
- $900.00
- Survey est.
- $500.00
- Property tax escrow (2 months, after sale) est.
- $1,840.67
- Insurance escrow (2 months) est.
- $967.33
- First-year insurance premium est.
- $5,804.00
- HOA / condo contribution or transfer est.
- Not provided
Partial estimate: unknown amounts are excluded. Ask Simon to verify them.
Mortgage stamps: $0.35 per $100 or fraction. Intangible tax: 0.2% of loan. Title uses Florida 69O-186.003 base rates. Assumes 2 months of tax/insurance escrow for financed purchases plus first-year insurance; cash purchases have no lender escrow.
Before deposits and credits. Prepaid interest and other contract costs are not included. Discounts and title endorsements must be confirmed by the title company. Title search, municipal lien search, settlement and recording are pass-through title company charges for cash and financed buyers alike; the municipal lien search is priced by each city and can run higher (e.g. Boca Raton $150, Coral Gables $220).
Estimate only. Your lender's Loan Estimate and the title company's closing disclosure are the final numbers. Not financial advice.
Estimate only, not guaranteed. Verify before you buy or sell.
Insurance & flood
- Flood zone (FEMA)
- Not available —
- Homeowners insurance est.
- $484 / month
Source: FEMA National Flood Hazard Layer · Date checked: Nov 3, 2026
Insurance estimates vary widely. Get a real quote before you make an offer.
Estimate only, not guaranteed. Verify before you buy or sell.
Flood zone: Not available —
Source: FEMA National Flood Hazard Layer · Date checked: Nov 3, 2026
- Roof type
- Spanish Tile
- Roof year
- 2026 (per listing remarks)
- Impact windows / doors
- Not provided —
- Shutters
- Accordion Shutters (Complete), Panel Shutters (Complete)
- Window features
- Accordion Shutters (Complete), Panel Shutters (Complete)
- Year built
- 2003
Homeowners insurance: $484 / month est.
- Annual premium est.
- $5,499
- Fees & taxes est.
- $305
- Annual total est.
- $5,804
- Likely range est.
- $4,933–$6,965
- Dwelling coverage est.
- $855,713
- Other structures est.
- $17,114
- Personal property est.
- $171,143
- Loss of use est.
- $85,571
- Hurricane deductible (2%) est.
- $17,114
Based on the listing: 3,603 sq ft · built 2003 · 2 stories · roof from 2026 · impact windows / shutters.
Dwelling coverage uses living area × county rebuilding cost. Selling price and land value are not included. The monthly estimate includes fees and applicable taxes.
Broward inland rates were calibrated against two supplied policies; other county and coastal rates have not yet been calibrated against real quotes.
Assumed where the listing is silent: concrete-block construction · coastal rating band · gable roof · standard finish · 2% hurricane deductible · admitted carrier; no surplus-lines tax. A newer roof, a hip roof shape, or a higher deductible can lower the premium; frame construction can raise it.
Educational estimate only, not an insurance quote. Actual premiums depend on the carrier, inspections, discounts, and underwriting. Flood insurance not included. Simon Gedz is a Realtor, not a licensed insurance agent.
The FEMA map is a strong indication, not the final answer: your lender orders its own flood zone determination. Cash buyers are not required to carry flood insurance, but on the water it is strongly recommended.
Florida rule: by 2027, Citizens policyholders must carry flood insurance even outside a flood zone, unless the Citizens policy excludes wind coverage. The FEMA map does not show this.
How flood insurance is priced (FEMA Risk Rating 2.0)
Flood insurance is priced home by home, so two neighbors on the same canal can pay very different amounts. Premiums depend on the home's elevation (first-floor height above the expected flood level), distance to water (ocean, Intracoastal, canal or river), the type of flood risk (storm surge, heavy rain or river overflow), the cost to rebuild, the foundation and construction type, and past flood claims on the property.
Federal flood insurance (NFIP) pays at most $250,000 for the building and $100,000 for contents. A luxury waterfront home needs private flood insurance or an "excess flood" policy on top.
Before an offer: pull the official FEMA flood map (FIRMette), ask the seller for an elevation certificate (it largely decides the price), ask whether the seller's existing NFIP policy can be transferred to you (sometimes at a lower rate), and have an insurance agent check prior flood claims (CLUE report). New NFIP policies usually have a 30-day wait before they take effect — don't leave it until the week of closing.
Insurance estimates vary widely. Get a real quote before you make an offer.
Estimate only, not guaranteed. Verify before you buy or sell.
About This Property
Find similar homesBRAND NEW OCTOBER 2026 ROOF!! Discover exceptional waterfront living in the desirable Boca Vista community of West Boca Raton! This impressive 2-story lakefront residence features 6 bedrooms, 4 full bathrooms, and a 2-car garage, offering an exceptional combination of spacious living areas, distinctive custom finishes, and beautiful lake views. Recent improvements include a BRAND NEW ROOF installed in October 2026, the primary bathroom was remodeled in 2024, upstairs guest bathroom was remodeled in 2026, and a new water heater installed in December 2025. From the moment you enter, you'll appreciate the grand foyer, elegant architectural details, custom flooring, decorative mosaic inlays, crown molding, and bright, open living spaces. The thoughtfully designed floor plan offers exceptional flexibility with multiple living and entertaining areas, ideal for today's lifestyle. Granite flooring enhances the downstairs living areas and upstairs loft, while Italian tile flooring adds a distinctive touch throughout the remaining spaces. The beautifully appointed kitchen features soft blue cabinetry, striking granite countertops, a custom stone backsplash, stainless steel appliances, breakfast bar seating, and a convenient walk-in pantry. The adjacent breakfast nook provides abundant natural light and sliding glass doors leading to the covered, screened-in patio, creating an ideal setting for everyday dining and entertaining. A highly desirable feature of this home is the additional 1st-floor bedroom complete with 2 walk-in closets and a full bathroom, making it ideal for guests, extended family, or multigenerational living. This convenient downstairs bedroom provides added flexibility, privacy, and functionality. Upstairs, the spacious primary suite offers a private retreat with a tray ceiling, custom finishes, and 2 oversized walk-in closets, providing exceptional storage and organization. The beautifully remodeled primary bathroom, completed in 2024, showcases a luxurious freestanding soaking tub, built-in electric fireplace, dual floating vanities, Italian bathroom fixtures, and an expansive glass-enclosed walk-in shower. An additional bathroom was remodeled in 2026, featuring updated finishes and contemporary design. The home also offers generously sized secondary bedrooms, each featuring its own walk-in closet, a versatile upstairs loft, a dedicated home office, and additional flex spaces providing endless possibilities for guests, working from home, a fitness area, or additional living space. With a total of 6 walk-in closets throughout the bedrooms, plus 3 additional linen closets, this home offers an abundance of storage. Additional conveniences include a dedicated laundry room with a new washer and dryer. Step outside and enjoy peaceful lake views from the expansive backyard and covered, screened-in lanai. The tropical landscaping, additional paved patio area, and generous outdoor space create the perfect setting for relaxing, entertaining, and enjoying the beautiful South Florida weather. Recent improvements and additional features include a BRAND NEW ROOF installed in October 2026, remodeled primary bathroom in 2024, additional remodeled bathroom in 2026, new water heater installed in December 2025, downstairs AC replaced in 2021, garage AC replaced in 2021, and upstairs AC replaced in 2019. The exterior was repainted in 2023. The home also features a new washer and dryer, accordion hurricane shutters upstairs, hurricane panels downstairs, Italian tile flooring, granite flooring, Italian bathroom fixtures and vanities, a covered and screened-in lakefront patio, and an attached 2-car garage equipped with over 30 electrical outlets. Located in the desirable Boca Vista community, this home is part of an intimate neighborhood featuring approximately 30 single-family residences. The community offers a secured gated entrance, community swimming pool, sidewalks, and maintained common areas, providing an appealing residential setting in West Boca Raton. Conveniently situated off 441, residents enjoy easy access to shopping, dining, grocery stores, entertainment, and everyday conveniences. Nearby destinations include Uptown Boca and the many shopping and dining options along Glades Road and State Road 7. Outdoor recreation is also close by at Burt Aaronson South County Regional Park, offering golf, sports facilities, walking and biking trails, and recreational amenities. The area offers convenient access to West Boca schools, golf courses, parks, major roadways, and the beautiful beaches of Boca Raton.
Property Details

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Your costs (est.)
≈ $6,773/mo
10074 Boca Vista Drive, Boca Raton, FL 33498 · Boca Raton
Location
10074 Boca Vista Drive, Boca Raton, FL 33498
One home, every check
Dock & Draft Match™ brings this home's dock length, low-water depth, every bridge, the ocean run, frontage and yacht size together in one place. Estimate only, not guaranteed. Verify before you buy or sell.
What buyers ask about this home
What are the estimated monthly carrying costs at 10074 Boca Vista Drive, Boca Raton, FL 33498?+
Property tax (after sale): $920/month est.; homeowners insurance: $484/month est.; HOA: $310/month. Fixed ownership costs before a mortgage: $1,714/month est. Principal and interest: $5,059/month; PMI: $0/month. Total for the payment scenario shown: $6,773/month est. Flood insurance is not included. Estimate only, not guaranteed. Verify before you buy or sell.
Will property taxes go up after I buy 10074 Boca Vista Drive, Boca Raton, FL 33498?+
Usually yes. In Florida the assessed value resets to market value in the year after a sale, so the seller's current tax bill is rarely what a new owner pays. Budget roughly 1.8–2.0% of the purchase price annually until you file for homestead exemption and the Save Our Homes cap (or the 10% non-homestead cap) starts limiting increases.
Does 10074 Boca Vista Drive, Boca Raton, FL 33498 need flood insurance, and what drives the premium?+
Most of Boca Raton sits in a FEMA flood zone, and lenders require flood coverage in high-risk zones. Premiums are driven by elevation certificate, flood zone, roof age and shape, and whether the home has impact windows or accordion shutters. Ask for the current declarations page, the four-point inspection and wind mitigation report early — they set your real cost of ownership.
What should an inspection focus on for a home like 10074 Boca Vista Drive, Boca Raton, FL 33498?+
In coastal South Florida, prioritize roof age and permit history, whether windows and doors are impact-rated, the seawall and dock condition on waterfront lots, drainage and elevation, plumbing type, and any open or expired permits with the city. These items, not cosmetics, drive both price and insurability.
What extra costs come with the waterfront at 10074 Boca Vista Drive, Boca Raton, FL 33498?+
Waterfront ownership adds seawall maintenance and eventual replacement, dock and lift servicing, higher flood and wind premiums, and salt-air upkeep on exterior finishes and equipment. Confirm bridge height and water depth at low tide if you plan to keep a boat.
Is there room to negotiate on 10074 Boca Vista Drive, Boca Raton, FL 33498?+
This listing has been on the market 0 days. Leverage comes from days on market, price history, comparable closed sales and the seller's motivation — not from a fixed percentage. I pull the full history and the true comps before we write, so the offer is built on what the property is actually worth today. Call or text (954) 562-1798 for that analysis.
Neighborhood & Commute
Boca Raton. Resort-style living with Mizner Park, A-rated schools, country clubs, and FAU just minutes inland.
Approximate Drive Times
Drive times are estimates based on straight-line distance at typical South Florida traffic speeds. Actual times vary with traffic and routing.
Assigned schools for this address
Sunrise Park Elementary School
Elementary · 1.7 mi from this home · 19400 Coral Ridge Dr, Boca Raton
Eagles Landing Middle School
Middle school · 1.8 mi from this home · 19500 Coral Ridge Dr, Boca Raton
Olympic Heights Community High
High school · 2.0 mi from this home · 20101 Lyons Rd, Boca Raton
Zone boundaries published by School District of Palm Beach County.
Other options for this address
ST. Andrews School Of Boca Raton Inc
Pre-K & Kindergarten · Private · Catholic · Grades PK–12 · Boca Raton
School assignment is set by the district and can change. Always confirm the zoned school with the district before you buy.
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