1 / 34



+29 photosCountry club home — 11120 Clover Leaf Circle · Boca Woods Country Club · Boca Raton



































South Florida Luxury Living
Property Magazine
Your home in print
A magazine dedicated to 11120 Clover Leaf Circle, 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$1,100,000
11120 Clover Leaf Circle, Boca Raton, FL 33428
Boca Raton, FL, 33428
Listed by Beycome of Florida LLC
11120 Clover Leaf Circle, Boca Raton, FL 33428
Listed by Beycome of Florida LLC
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
- $5,708/mo
- Property tax (after sale) est.
- $1,194/mo
- Homeowners insurance est.
- $580/mo
- HOA
- $452/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
11120 Clover Leaf Circle, Boca Raton, FL 33428
Estimated cash to close est.
$239,820.00
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): $880,000.00
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.
$239,820.00
- Down payment est.
- $220,000.00
- Mortgage note documentary stamps est.
- $3,080.00
- Mortgage intangible tax est.
- $1,760.00
- 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.
- $2,387.33
- Insurance escrow (2 months) est.
- $1,159.67
- First-year insurance premium est.
- $6,958.00
- 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.
- $580 / 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
- Barrel
- Roof year
- Not provided —
- Impact windows / doors
- Not provided —
- Shutters
- Not provided —
- Window features
- Not provided —
- Year built
- 1985
Homeowners insurance: $580 / month est.
- Annual premium est.
- $6,653
- Fees & taxes est.
- $305
- Annual total est.
- $6,958
- Likely range est.
- $5,914–$8,349
- Dwelling coverage est.
- $528,000
- Other structures est.
- $10,560
- Personal property est.
- $105,600
- Loss of use est.
- $52,800
- Hurricane deductible (2%) est.
- $10,560
Based on the listing: 2,112 sq ft · built 1985 · one story.
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 · roof 6–15 years old · 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 homesA PRIVATE LAKEFRONT RETREAT - THOUGHTFULLY REIMAGINED WITH EUROPEAN DESIGN INFLUENCES EXCEPTIONAL PRIVACY. REFINED CONTEMPORARY DESIGN. EFFORTLESS SOUTH FLORIDA LIVING. Some homes are simply renovated. Others are thoughtfully reimagined, with attention to every detail. Completely transformed in 2025/2026 by a Swiss architect, this distinctive lakefront residence in Boca Woods Country Club combines contemporary design, modern comfort, and exceptional privacy. Set on a spacious, pie-shaped lot with western exposure, the home enjoys beautiful views across the lake and golf course, surrounded by lush tropical greenery. With no neighboring homes in sight from the main outdoor living area, the setting provides a remarkable sense of peace and seclusion. DESIGNED TO FEE L DIFFERENT Step inside and discover bright, open living spaces with soaring ceilings, clean architectural lines, and a carefully curated combination of natural materials and contemporary finishes. Beautiful wood parquet flooring brings warmth throughout the home, while refined microcement finishes add a sophisticated, modern touch to the bathrooms. At the heart of the home, the contemporary kitchen combines striking design with everyday functionality, featuring high-end appliances, generous storage, and a thoughtfully planned layout for cooking, gathering, and entertaining. A kitchen faucet dispensing filtered and chilled drinking water adds another thoughtful touch. An elegant fireplace creates an architectural transition between the living spaces. A PRIVATE SUITE DESIGNED FOR COMFORT The primary suite provides a peaceful retreat, complete with a beautifully designed en-suite bathroom featuring a spacious double shower, elegant microcement finishes, advanced toilets with integrated comfort features, and automatic nighttime lighting. A dedicated walk-in dressing room completes this private sanctuary. Two additional bedrooms and a second bathroom provide flexible space for guests, a home office, or personal interests. A separate, air-conditioned laundry room includes a washer, dryer, utility sink, and an additional side-by-side refrigerator -- another example of the home's practical and considered design. YOUR OWN PRIVATE OUTDOOR SANCTUARY Step outside and discover one of the home's most captivating features: an exceptionally designed, heated saltwater pool that serves as the centerpiece of a beautiful outdoor living environment. Imagine quiet mornings overlooking the water, sunny afternoons relaxing beside the pool, and memorable evenings entertaining under the Florida sky. The fully equipped outdoor kitchen features a gas grill, refrigerator, sink, and pizza oven, making outdoor cooking and entertaining effortless. A hot-water outdoor shower, retractable screen, and motorized awnings with integrated lighting provide additional comfort and versatility. Exterior security cameras and an automatic garden irrigation system add further convenience. Beyond the pool, expansive views of the lake, golf course, and surrounding greenery create a wonderful feeling of openness and tranquility. THE BOCA WOODS LIFESTYLE Located within Boca Woods Country Club, residents enjoy access to two 18-hole championship golf courses, tennis and pickleball courts, a fitness center, spa, and exceptional club dining. Whether enjoying a round of golf, an active afternoon, or a relaxing evening at home, Boca Woods provides a wonderful balance of recreation, relaxation, and country club living. Mandatory country club membership applies. AN EFFORTLESS MOVE-IN EXPERIENCE For those seeking a truly turnkey lifestyle, the home's carefully selected furnishings and golf cart are also available for purchase separately, creating the opportunity to enjoy this beautifully designed residence from day one. MORE THAN A RENOVATION. A HOME DESIGNED AROUND LIVING. With three bedrooms, two bathrooms, an extended driveway accommodating four cars, and countless carefully considered details, this residence is far more than its specifications suggest. It is a home where contemporary architecture meets everyday comfort, where privacy is a luxury, and where every space has been thoughtfully designed to be enjoyed. A DISTINCTIVE LAKEFRONT RESIDENCE FOR THOSE WHO APPRECIATE THOUGHTFUL DESIGN, EXCEPTIONAL PRIVACY, AND THE BEAUTY OF SOUTH FLORIDA LIVING.
Club / community membership required
The listing remarks state a club/community membership is required.
Membership dues, initiation and waitlists are set by the club and can change — always verify with the association before writing an offer.
Property Details

Dogs
Welcome here

Cats
Welcome here
11120 Clover Leaf Circle, Boca Raton, FL 33428 · Boca Raton
Location
11120 Clover Leaf Circle, Boca Raton, FL 33428
What buyers ask about this home
What are the estimated monthly carrying costs at 11120 Clover Leaf Circle, Boca Raton, FL 33428?+
Property tax (after sale): $1,194/month est.; homeowners insurance: $580/month est.; HOA: $452/month. Fixed ownership costs before a mortgage: $2,226/month est. Principal and interest: $5,708/month; PMI: $0/month. Total for the payment scenario shown: $7,933/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 11120 Clover Leaf Circle, 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 11120 Clover Leaf Circle, 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 11120 Clover Leaf Circle, 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 (cast iron and polybutylene are common in homes of this era), 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 11120 Clover Leaf Circle, Boca Raton, FL 33428?+
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 11120 Clover Leaf Circle, Boca Raton, FL 33428?+
This listing has been on the market 17 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 · 0.6 mi from this home · 11201 Glades Rd, Boca Raton
Loggers' Run Community Middle School
Middle school · 1.0 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
School assignment is set by the district and can change. Always confirm the zoned school with the district before you buy.

10941 Granite Street, Boca Raton, FL 33428
Listed by Partnership Realty Inc.
HOLIDAY CITY AT BOCA RATON SEC 5
5 bd · 3 ba · 2,300 sq ft
$949,990
View details
20104 BACK NINE Drive, Boca Raton, FL 33498
Listed by Lang Realty/ BR
BOCA GREENS 2
3 bd · 4 ba · 2,363 sq ft
$910,000
View details
19628 BISCAYNE BAY Drive, Boca Raton, FL 33498
Listed by United Realty Group, Inc
BOCA ISLES SOUTH PH 5C
4 bd · 3 ba · 2,935 sq ft
$1,375,000
View details
10670 Palm Spring Drive, Boca Raton, FL 33428
Listed by Palm Paradise Realty Group
BOCA SPRINGS
4 bd · 3 ba · 2,175 sq ft
$699,000
View details
10256 BOCA SPRINGS Drive, Boca Raton, FL 33428
Listed by Keller Williams Realty/P B
BOCA SPRINGS
4 bd · 3 ba · 2,336 sq ft
$780,500
View details
9665 SW 1ST Place, Boca Raton, FL 33428
Listed by Florida Prestigious Homes Inc
SANDALFOOT COVE SEC 4
3 bd · 2 ba · 1,524 sq ft
$520,000
View details