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+56 photosColonial Club Intracoastal Community — 12 Colonial Club Drive 305 · Colonial Club Condo · Boynton Beach






























































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12 Colonial Club Drive 305, Boynton Beach, FL 33435
Boynton Beach, FL, 33435
Listed by RE/MAX Services
12 Colonial Club Drive 305, Boynton Beach, FL 33435
Listed by RE/MAX Services
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 · Conforming loan
Principal, interest, taxes and insurance, HOA. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $1,452/mo
- Property tax (after sale) est.
- $283/mo
- Insurance included in HOA
- $0/mo
- HOA
- $750/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
12 Colonial Club Drive 305, Boynton Beach, FL 33435
Estimated cash to close est.
$62,253.01
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): $223,920.00Conforming 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.
$62,253.01
- Down payment est.
- $55,980.00
- Mortgage note documentary stamps est.
- $784.00
- Mortgage intangible tax est.
- $447.84
- 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.
- $566.17
- 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)
- Zone AE Coastal FloodplainFlood insurance required
- Homeowners insurance est.
- $0 / month
Flood insurance is required with a federally backed mortgage (FHA, VA, USDA, or a conventional loan from a federally regulated lender). The monthly insurance estimate above does not include flood insurance — see "Show details" for the flood rules and the official FEMA map.
Source: FEMA National Flood Hazard Layer · Date checked: Nov 1, 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: AE
High-risk mapped flood area (1% annual chance of flooding).
Source: FEMA National Flood Hazard Layer · Date checked: Nov 1, 2026
- Roof type
- Metal
- Roof year
- Not provided —
- Impact windows / doors
- Impact Glass (Complete)
- Shutters
- Not provided —
- Window features
- Blinds
- Year built
- 1974
Homeowners insurance: $0 / month est.
Association insurance is included in the stated HOA fee. Confirm separate unit-owner coverage with an insurance agent.
Special Flood Hazard Area. With a federally backed mortgage (FHA, VA, USDA, or a conventional loan from a federally regulated lender), flood insurance is required.
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 RARE COASTAL RETREAT | EXCEPTIONAL 55+ INTRACOASTAL LIVING AT COLONIAL CLUB Discover the beauty of waterfront living, the comfort of a beautifully updated residence, and the lifestyle you've always imagined! Welcome to one of Boynton Beach's most inviting Intracoastal communities, where resort-style amenities, lush tropical surroundings, and an exceptional coastal location come together to create the perfect Florida retreat. This rarely available, third-floor, 2-bedroom, 2-bath wing residence offers approximately 1,200 square feet of thoughtfully designed living space, exceptional privacy, and the convenience of elevator access. With no neighbors directly beside or above, this desirable location provides a peaceful setting that is increasingly difficult to find. Step inside and discover a beautifully maintained, move-in-ready home designed for effortless Florida living. The desirable split-bedroom floor plan offers privacy for both owners and guests, with two generously sized bedrooms and two tastefully remodeled full bathrooms featuring beautifully tiled walk-in showers. The inviting kitchen combines style and functionality with granite countertops, a decorative tile backsplash, stainless-steel appliances, a new stainless-steel refrigerator, and modern recessed lighting. The kitchen flows comfortably into the spacious living and dining areas, creating a welcoming atmosphere for entertaining friends or simply relaxing at home. Beautiful new tile flooring throughout enhances the residence with a fresh, timeless coastal feel. Additional features include hurricane-impact windows, a new impact-resistant front door, ample storage, and the convenience of being sold fully furnished, allowing you to begin enjoying your Florida lifestyle immediately. Ventless washers and dryers are permitted, subject to association requirements. Beautifully Renewed Community — Exceptional Waterfront Lifestyle Colonial Club is an established 55+ condominium community situated on approximately 22 beautifully landscaped acres along the magnificent Intracoastal Waterway. Imagine beginning your mornings with a peaceful walk along the community's approximately 1,500-foot Intracoastal seawall and waterfront promenade, watching the boats glide past, enjoying the tropical breezes, and taking in the spectacular scenery. At the heart of the community is its beautifully enhanced waterfront recreation area, featuring a heated saltwater swimming pool overlooking the Intracoastal Waterway, a recently upgraded paver deck, inviting gathering spaces, and picturesque views of the waterway and neighboring golf courses. The beautifully updated clubhouse provides a wonderful setting for community activities, including live entertainment, social gatherings, card games, billiards, fitness activities, water aerobics, golf groups, and a full calendar of events. Men's and Women's Clubs offer additional opportunities to connect, socialize, and enjoy an active coastal lifestyle. Recent community improvements include new roofs completed in 2025, refreshed exterior painting, and enhancements to the waterfront pool area. The three-story buildings have completed their required building safety recertification, with a Certificate of Building Safety Recertification issued by the City of Boynton Beach. The association has also addressed Structural Integrity Reserve Study requirements, providing important information for buyers evaluating the community's long-term maintenance and financial planning. An Extraordinary Location — The Best of South Florida at Your Doorstep Location is everything, and Colonial Club offers an outstanding opportunity to enjoy the very best of Palm Beach County. Just minutes from the beautiful Atlantic Ocean beaches, the vibrant restaurants and boutiques of Downtown Delray Beach, and the shopping, dining, and cultural destinations of Boca Raton and Palm Beach, this exceptional community places the finest of coastal South Florida within easy reach. Everyday conveniences, including Publix, Walgreens, Starbucks, Bethesda Hospital, waterfront dining at Prime Catch, nearby golf courses, boating, fishing, and recreational opportunities, are all close to home. Whether you're seeking a full-time residence, a seasonal escape, or simply a more relaxed way of life, Colonial Club offers an appealing combination of comfort, convenience, recreation, and coastal charm. More than a condominium, it's an opportunity to embrace the Florida lifestyle you've been dreaming of. Come experience the beauty, warmth, and waterfront charm of Colonial Club. Your coastal retreat awaits! One or more listing photographs may contain virtual staging or digitally enhanced images.
Building health
- Building
- 3· MLS
- Year built
- 1974· MLS
- Stories
- 3· 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
- No· MLS
- Age restriction (55+)
- Not provided —
- HOA fee
- $750 / month · billed Monthly· 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
12 Colonial Club Drive 305, Boynton Beach, FL 33435 · Boynton Beach
Location
12 Colonial Club Drive 305, Boynton Beach, FL 33435
What buyers ask about this home
What are the estimated monthly carrying costs at 12 Colonial Club Drive 305, Boynton Beach, FL 33435?+
Property tax (after sale): $283/month est.; homeowners insurance: $0/month est.; HOA: $750/month. Fixed ownership costs before a mortgage: $1,033/month est. Principal and interest: $1,452/month; PMI: $0/month. Total for the payment scenario shown: $2,485/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 12 Colonial Club Drive 305, Boynton Beach, FL 33435?+
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 12 Colonial Club Drive 305, Boynton Beach, FL 33435 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 12 Colonial Club Drive 305, Boynton Beach, FL 33435?+
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 12 Colonial Club Drive 305, Boynton Beach, FL 33435 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 12 Colonial Club Drive 305, Boynton Beach, FL 33435?+
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
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
Plumosa School Of The Arts
Elementary · 1.2 mi from this home · 2501 Seacrest Blvd, Delray Beach
Zone boundaries published by School District of Palm Beach County.
Other options for this address
Trinity Evangelical Lutheran Chrch Of Del Ray Bch
Elementary · Private · Christian · Grades PK–8 · Delray Beach
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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