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+90 photosLuxury home — 11038 Baybreeze Way · Harbour Springs At Mission Bay · Boca Raton
South Florida Luxury Living
Property Magazine
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A magazine dedicated to 11038 Baybreeze Way, Boca Raton, FL 33428
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$1,400,000
11038 Baybreeze Way, Boca Raton, FL 33428
Boca Raton, FL, 33428
Listed by Signature International Real E
11038 Baybreeze Way, Boca Raton, FL 33428
Listed by Signature International Real E
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
- $7,264/mo
- Property tax (after sale) est.
- $1,519/mo
- Homeowners insurance est.
- $521/mo
- HOA
- $209/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
11038 Baybreeze Way, Boca Raton, FL 33428
Estimated cash to close est.
$300,972.17
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): $1,120,000.00
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.
$300,972.17
- Down payment est.
- $280,000.00
- Mortgage note documentary stamps est.
- $3,920.00
- Mortgage intangible tax est.
- $2,240.00
- 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.
- $3,038.50
- Insurance escrow (2 months) est.
- $1,042.67
- First-year insurance premium est.
- $6,256.00
- 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.
- $521 / month
Source: FEMA National Flood Hazard Layer · Date checked: Oct 22, 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 22, 2026
- Roof type
- Spanish Tile
- Roof year
- Not provided —
- Impact windows / doors
- Impact Glass (Complete)
- Shutters
- Not provided —
- Window features
- Blinds
- Year built
- 1994
Homeowners insurance: $521 / month est.
- Annual premium est.
- $5,951
- Fees & taxes est.
- $305
- Annual total est.
- $6,256
- Likely range est.
- $5,318–$7,507
- Dwelling coverage est.
- $1,062,694
- Other structures est.
- $21,254
- Personal property est.
- $212,539
- Loss of use est.
- $106,269
- Hurricane deductible (2%) est.
- $21,254
Based on the listing: 2,983 sq ft · built 1994 · 2 stories · impact windows / shutters · luxury finish level.
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 · inland rating band · roof 6–15 years old · gable roof · 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 homes** price reduced ** Welcome to the highly sought-after courtyard home in Mission Bay, BOCA RATON ! This versatile home provides a casual, elegant, active lifestyle in the sought after Harbor Springs at Mission Bay Community in Boca. Recently updated, this 5-bedroom, 4.5 bath home features porcelain tile and wood floors, volume ceilings with beautiful French doors showcasing a large sunburst window, providing natural light to the open floor plan that flows from the living room, family room, and dining area to a spacious all new chef's kitchen with a bar and breakfast nook. Benefit from a NEW roof, NEW hurricane rated windows and doors, recently updated bathrooms and flooring, a separate guest house/office, spacious storage, and new high end appliances. NEW ROOF, ALL IMPACT WINDOWS AND DOORS, NEW FLOORS, NEW GAZEBO WITH BUILT-IN KITCHEN AT THE PATIO FOR OUTDOOR ENTERTAINMENT. NEW HEATED OUTDOOR SPA. NEW BUILT-IN CLOSETS AT ALL BEDROOMS. NEW WINDOW TREATMENTS WITH BLACK OUT SHADES. Residents enjoy access to Mission Bay's resort-style amenities, including a fitness center, heated pool and spa, tennis courts, pickleball, basketball courts, and playgrounds. The HOA covers basic cable and access to community amenities. Ideally located within a top-rated school district and just minutes from shopping, dining, entertainment, and Boca Raton's beautiful beaches.
Why we flagged this one
A transparent review of current MLS facts—not a paid placement.
Price reduced 10%
The seller has come down from $1,550,000 to $1,400,000 — a $150,000 reduction since it came on the market.
204 days on market
Longer time on market usually means the seller is more open to negotiating on price and terms.
Price reductions and days on market come from this listing's MLS record. This is an initial market signal, not a formal appraisal or full comparable market analysis.
Property Details
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11038 Baybreeze Way, Boca Raton, FL 33428 · Boca Raton
Location
11038 Baybreeze Way, Boca Raton, FL 33428
What buyers ask about this home
What are the estimated monthly carrying costs at 11038 Baybreeze Way, Boca Raton, FL 33428?+
Property tax (after sale): $1,519/month est.; homeowners insurance: $521/month est.; HOA: $209/month. Fixed ownership costs before a mortgage: $2,250/month est. Principal and interest: $7,264/month; PMI: $0/month. Total for the payment scenario shown: $9,514/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 11038 Baybreeze Way, Boca Raton, FL 33428?+
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 11038 Baybreeze Way, Boca Raton, FL 33428 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 11038 Baybreeze Way, Boca Raton, FL 33428?+
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.
Is there room to negotiate on 11038 Baybreeze Way, Boca Raton, FL 33428?+
This listing has been on the market 204 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
Sandpiper Shores Elementary School
Elementary · 0.2 mi from this home · 11201 Glades Rd, Boca Raton
Loggers' Run Community Middle School
Middle school · 1.4 mi from this home · 11584 W Palmetto Park 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
Boca Raton Christian School
Pre-K & Kindergarten · Private · Christian · 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.
Simon Gedz
Realtor® since 1995
Interested in this property?
$1,400,000 · MLS B26011018
$1,400,000
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