1 / 43



+38 photos120 SE 12th court Aerial 16 — 120 SE 12th Court · Cypress Harbor 1st · Pompano Beach












































South Florida Luxury Living
Property Magazine
Your home in print
A magazine dedicated to 120 SE 12th Court, Pompano Beach, FL 33060
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$1,995,000
120 SE 12th Court, Pompano Beach, FL 33060
Pompano Beach, FL, 33060
Listed by Premier Estate Properties Inc.
120 SE 12th Court, Pompano Beach, FL 3306070 ft of water frontageBoat length ~50 ft · preliminary
Listed by Premier Estate Properties Inc.
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. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $10,352/mo
- Property tax (after sale) est.
- $1,995/mo
- Homeowners insurance est.
- $840/mo
- HOA
- $0/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
120 SE 12th Court, Pompano Beach, FL 33060
Estimated cash to close est.
$435,564.83
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): $1,596,000.00
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.
$435,564.83
- Down payment est.
- $399,000.00
- Mortgage note documentary stamps est.
- $5,586.00
- Mortgage intangible tax est.
- $3,192.00
- Lender’s title insurance est.
- $25.00
- Lender title endorsements est.
- $25.00
- Lender fees est.
- $1,500.00
- Appraisal est.
- $650.00
- Owner’s title insurance est.
- $7,563.00
- 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.
- $3,990.00
- Insurance escrow (2 months) est.
- $1,679.83
- First-year insurance premium est.
- $10,079.00
- 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.
- $840 / 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: 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: AE
High-risk mapped flood area (1% annual chance of flooding).
Source: FEMA National Flood Hazard Layer · Date checked: Oct 23, 2026
- Roof type
- Aluminum
- Roof year
- Not provided —
- Impact windows / doors
- Impact Glass (Complete)
- Shutters
- Not provided —
- Window features
- Storm Window(S)
- Year built
- 1958
Homeowners insurance: $840 / month est.
- Annual premium est.
- $9,774
- Fees & taxes est.
- $305
- Annual total est.
- $10,079
- Likely range est.
- $8,567–$12,094
- Dwelling coverage est.
- $885,281
- Other structures est.
- $17,706
- Personal property est.
- $177,056
- Loss of use est.
- $88,528
- Hurricane deductible (2%) est.
- $17,706
The estimated rebuild cost is above the Citizens Property Insurance coverage cap for this county, so this home would need a private carrier.
Based on the listing: 2,485 sq ft · built 1958 · 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 · coastal 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.
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 homesSited on 70' of waterfrontage in the exclusive enclave of Cypress Harbor, this extensively reimagined coastal residence offers refined waterfront living. Reimagined in 2022, the 4-bedroom, 3-bath home spans 2,485± living SF with light-filled interiors, porcelain flooring, and a custom gourmet kitchen with oversized island and premium appliances. The second-floor primary suite features a private screened balcony and spa-inspired bath. Outdoors, a resort-style saltwater pool with heating and chilling, travertine patio, covered lounge, and summer kitchen create an inviting retreat. Additional features include impact windows, metal roof, and an oversized garage. Boaters will enjoy a new composite dock with 17,000 lbs boat lift with ocean access via one fixed bridge. Light-filled interiors feature an open-concept floor plan with porcelain flooring, generous living and dining areas, and seamless access to the outdoor entertaining spaces. The custom gourmet kitchen is appointed with designer cabinetry, porcelain slab countertops, an oversized center island with seating, architectural cove lighting, and premium appliances, including KitchenAid and Bertazzoni. A sunroom with sliding windows overlooks the waterfront and provides direct access to the covered patio and pool area. Two first-floor guest bedrooms offer built-in closet storage and share a beautifully appointed bathroom with a porcelain-tiled shower. Occupying the second level, the private primary suite features a screened balcony overlooking the waterfront, a spacious walk-in closet with custom storage, and a spa-inspired bathroom with dual vanities, dedicated makeup station, walk-in shower, and freestanding soaking tub. An additional ensuite bedroom with built-in storage and a dedicated laundry area completes the second floor. Designed for year-round outdoor enjoyment, the waterfront grounds feature a resort-style saltwater swimming pool with electric heating and chilling systems, expansive travertine patio, covered lounge area, and fully equipped summer kitchen with Mont Alpi six-burner grill, refrigerator, and sink. The fully fenced backyard provides an inviting setting for entertaining and relaxation. Boaters will enjoy 70' of waterfrontage, a new composite dock, and a 17,000-lb capacity boat lift with ocean access via one fixed bridge to the Intracoastal Waterway and Hillsboro Inlet. Additional improvements include impact-resistant windows, a metal roof, updated electrical systems and PVC plumbing, two-zone Carrier air conditioning, an electric vehicle charging station, and an oversized garage with 10' ceilings. Ideally situated in Cypress Harbor, the residence offers close proximity to prestigious Pine Crest School, the beaches, shopping, and world-class restaurants of East Pompano Beach, with convenient access to I-95, Fort Lauderdale, Boca Raton, and South Florida's premier coastal destinations.
Property Details

Dogs
Welcome here

Cats
Welcome here
120 SE 12th Court, Pompano Beach, FL 33060 · Pompano Beach
Location
120 SE 12th Court, Pompano Beach, FL 33060
Dock & Draft Match™
70 ft stated water frontage less the local Pompano Beach side-line buffers
Boat length ~50 ft · preliminary
What buyers ask about this home
What are the estimated monthly carrying costs at 120 SE 12th Court, Pompano Beach, FL 33060?+
Property tax (after sale): $1,995/month est.; homeowners insurance: $840/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $2,835/month est. Principal and interest: $10,352/month; PMI: $0/month. Total for the payment scenario shown: $13,187/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 120 SE 12th Court, Pompano Beach, FL 33060?+
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 120 SE 12th Court, Pompano Beach, FL 33060 need flood insurance, and what drives the premium?+
Most of Pompano 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 an inspection focus on for a home like 120 SE 12th Court, Pompano Beach, FL 33060?+
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 120 SE 12th Court, Pompano Beach, FL 33060?+
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 120 SE 12th Court, Pompano Beach, FL 33060?+
This listing has been on the market 10 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
Pompano Beach. Resurging beachfront city with a new pier district, golf, and quick reach to both Fort Lauderdale and Boca.
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
Pompano Beach Middle School
Middle school · 1.6 mi from this home · 310 Ne 6Th St, Pompano Beach
Zone boundaries published by Broward County Public Schools.
Other options for this address
New Generation Montessori Children'S Academy
Elementary · Private · Grades PK–PK · Pompano Beach
Millennium Leadership Christian Academy Inc
Pre-K & Kindergarten · Private · Christian · Grades PK–12 · Parkland
Lighthouse Christian Academy
Pre-K & Kindergarten · Private · Christian · Grades 4–12 · Oakland Park
Ameribelge Center For Education
Pre-K & Kindergarten · Private · Grades PK–11 · Fort Lauderdale
Bethlehem Christian Academy
Pre-K & Kindergarten · Private · Christian · Grades 2–12 · Lighthouse Point
School assignment is set by the district and can change. Always confirm the zoned school with the district before you buy.
131 SE 12th Street, Pompano Beach, FL 33060
Listed by EXP Realty, LLC.
CYPRESS HARBOR 2ND SEC
3 bd · 2 ba · 1,124 sq ft
$929,000
View details1232 SW 1st Avenue, Pompano Beach, FL 33060
Listed by Florida Realty of Miami Corp
LYONS PARK FIRST ADD
3 bd · 2 ba · 1,065 sq ft
$430,000
View details1731 SW 4th Avenue, Pompano Beach, FL 33060
Listed by e-Wing Realty, Inc
BOULEVARD PARK ISLES SEC
3 bd · 2 ba · 1,827 sq ft
$1,060,000
View details
421 SE 5 Terrace, Pompano Beach, FL 33060
Listed by The Keyes Company
GARDEN ISLES SEC 5
2 bd · 2 ba · 1,631 sq ft
$1,099,000
View details2445 SE 8th Street, Pompano Beach, FL 33062
Listed by Quantum Realty Partners
SANTA BARBARA SHORES
6 bd · 4 ba · 3,772 sq ft
$2,350,000
View details
3240 Lakeview Drive, Pompano Beach, FL 33062
Listed by Ryan Critch Real Estate
TERRA MAR ISLAND ESTATES
3 bd · 3 ba · 2,398 sq ft
$1,399,000
View details