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+98 photosLuxury condo — 10383 S Circle Lake Drive 202 · Palm Chase Lakes Condo · Boynton Beach








































































































South Florida Luxury Living
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A magazine dedicated to 10383 S Circle Lake Drive 202, Boynton Beach, FL 33437
A photo-rich, always-current edition with the home’s details, neighborhood lifestyle, assigned and nearby schools, ownership planning, and applicable waterfront guidance.
Open property magazine$349,900
10383 S Circle Lake Drive 202, Boynton Beach, FL 33437
Boynton Beach, FL, 33437
Listed by Berkshire Hathaway HomeSvs FL
10383 S Circle Lake Drive 202, Boynton Beach, FL 33437
Listed by Berkshire Hathaway HomeSvs FL
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.
0 of 6 homes in your tour
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
Principal, interest, taxes and insurance, HOA. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $1,816/mo
- Property tax (after sale) est.
- $350/mo
- Insurance included in HOA
- $0/mo
- HOA
- $933/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
10383 S Circle Lake Drive 202, Boynton Beach, FL 33437
Estimated cash to close est.
$76,694.01
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): $279,920.00
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.
$76,694.01
- Down payment est.
- $69,980.00
- Mortgage note documentary stamps est.
- $980.00
- Mortgage intangible tax est.
- $559.84
- 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.
- $699.17
- Insurance escrow (2 months) est.
- $0.00
- First-year insurance premium est.
- $0.00
- 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.
- $0 / month
Source: FEMA National Flood Hazard Layer · Date checked: Oct 23, 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: Oct 23, 2026
- Roof type
- Barrel
- Roof year
- Not provided —
- Impact windows / doors
- Impact Glass (Partial)
- Shutters
- Not provided —
- Window features
- Impact Glass (Partial)
- Year built
- 1988
Homeowners insurance: $0 / month est.
Association insurance is included in the stated HOA fee. Confirm separate unit-owner coverage with an 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 homesEnjoy beautiful lake views and the peaceful setting of waterfront living from this beautifully renovated 2-bedroom, 2-bathroom condo with a versatile den, located in a 55+ community in Boynton Beach. Overlooking the lake and its picturesque fountain, this second-floor residence offers a spacious, thoughtfully designed floor plan, extensive interior updates, and a screened balcony where you can relax and take in the tranquil water views. As you enter the home, you'll appreciate the bright, open living spaces, vaulted ceilings, and new laminate flooring that create a welcoming atmosphere. The spacious living and dining areas flow effortlessly together, with sliding glass doors opening to the screened balcony and bringing the beautiful lake views into the heart of the home. Whether enjoying your morning coffee or unwinding in the evening, the balcony provides a wonderful extension of the living space and a front-row seat to the surrounding waterfront scenery. The beautifully renovated kitchen, updated in 2024, features attractive cabinetry, countertops, new appliances, and a convenient breakfast bar that opens to the main living area. Its functional layout provides ample cabinetry and counter space while maintaining an inviting connection to the dining and living areas. The spacious primary suite offers a relaxing retreat with direct access to the screened balcony and lovely lake views. Completely renovated in 2025, the primary bathroom is a standout feature, showcasing a contemporary vanity with an illuminated mirror, a glass-enclosed walk-in shower accented by elegant marble-look tile, decorative shower flooring, and a built-in niche. A generous walk-in closet provides additional storage. The second bedroom, located toward the front of the residence, offers its own special feature—views of a completely different lake from its window. With water views from both the front and rear of the condo, this residence enjoys a unique connection to its beautiful surroundings. The separate den, complete with its own closet, provides flexibility for a home office, hobby room, or additional multipurpose space. A second full bathroom and an in-unit laundry area with a newer washer and dryer add everyday convenience. Additional improvements include new interior doors throughout, new window and patio blinds, hurricane-rated patio doors installed approximately two years ago, a 2022 water heater, and a 2018 air conditioning system. A pull-down attic ladder provides access to additional storage. The residence is accessed by an interior staircase, with no elevator. Beyond the home, enjoy an impressive selection of amenities within this 55+ community, including a swimming pool updated in 2026, two pickleball courts, a fitness center with new equipment, an approximately one-mile walking trail, sauna, and library. The HOA offers extensive benefits, covering landscaping, exterior painting, roof maintenance, Hotwire cable and internet, water, garbage collection, and ADT alarm service. One pet is permitted, with a maximum weight of 20 pounds. Rentals are not permitted during the first three years of ownership. Association approval and financial requirements apply. Conveniently located in Boynton Beach, the community provides access to shopping, dining, medical facilities, entertainment, and the beautiful beaches of Palm Beach County. With its picturesque views of two separate lakes, beautifully renovated interior, thoughtful updates, flexible floor plan, and extensive HOA benefits, this waterfront residence offers an exceptional opportunity to enjoy the comfort and convenience of South Florida living. Schedule your private showing today!
Building health
- Building
- Building Number 125· MLS
- Year built
- 1988· MLS
- Stories
- 1· MLS
- Units
- Not provided —
- Milestone inspection
- Not provided —
- Milestone date
- Not provided —
- SIRS
- Not provided —
- SIRS date
- Not provided —
- Special assessments
- Not provided —
- Assessment amount
- Not provided —
- Assessment purpose
- Not provided —
- Assessment due date
- Not provided —
- Reserves
- Not provided —
- Minimum lease term
- Not provided —
- Rentals per year
- Not provided —
- Pet rules
- Yes, Number Limit, Size Limit, Pet Restrictions Possible· MLS
- Age restriction (55+)
- Not provided —
- HOA fee
- $933 / month · billed Quarterly· MLS
Last updated Not provided, source: MLS remarks —
Always review the association's milestone inspection report, SIRS, budget and the last 24 months of board minutes before you buy.
Property Details

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10383 S Circle Lake Drive 202, Boynton Beach, FL 33437 · Boynton Beach
Location
10383 S Circle Lake Drive 202, Boynton Beach, FL 33437
What buyers ask about this home
What are the estimated monthly carrying costs at 10383 S Circle Lake Drive 202, Boynton Beach, FL 33437?+
Property tax (after sale): $350/month est.; homeowners insurance: $0/month est.; HOA: $933/month. Fixed ownership costs before a mortgage: $1,283/month est. Principal and interest: $1,816/month; PMI: $0/month. Total for the payment scenario shown: $3,098/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 10383 S Circle Lake Drive 202, Boynton Beach, FL 33437?+
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 10383 S Circle Lake Drive 202, Boynton Beach, FL 33437 need flood insurance, and what drives the premium?+
Most of Boynton Beach 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 I check about the association before buying 10383 S Circle Lake Drive 202, Boynton Beach, FL 33437?+
For a Florida condo, review the milestone structural inspection and the Structural Integrity Reserve Study, current reserve balances, any pending or recently voted special assessment, the association's insurance and its litigation history. Ask how many units are owner-occupied and whether the lender will approve the building — a poorly funded association is the single biggest hidden cost in a condo purchase.
Can 10383 S Circle Lake Drive 202, Boynton Beach, FL 33437 be rented out?+
Rental rules are set by the association's documents, not the MLS. Many Boynton Beach luxury buildings limit leases to once or twice a year with a minimum term and require board approval and an application fee. Request the declaration and rules before your inspection period ends if rental income matters to your plan.
Is there room to negotiate on 10383 S Circle Lake Drive 202, Boynton Beach, FL 33437?+
This listing has been on the market 1 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
Located in Boynton Beach, this property offers the South Florida lifestyle — warm-weather living year-round with easy access to the Atlantic coast, A-rated schools, and major business centers.
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
Crosspointe Elementary School
Elementary · 3.2 mi from this home · 3015 S Congress Ave, Boynton Beach
Carver
Middle school
Boynton Beach Community High
High school · 3.5 mi from this home · 4975 Park Ridge Blvd, Boynton Beach
Zone boundaries published by School District of Palm Beach County.
Other options for this address
Trinity Christian Academy
Pre-K & Kindergarten · Private · Christian · Grades PK–12 · Lake Worth
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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