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+76 photosGated community home — 12646 TORBAY Drive · Boca Falls Par T · Boca Raton
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Open property magazine$1,000,000
12646 TORBAY Drive, Boca Raton, FL 33428
Boca Raton, FL, 33428
4 bd · 3 ba · 2,730 sqft
Listed by Keller Williams Realty Boca Ra
12646 TORBAY Drive, Boca Raton, FL 33428
Listed by Keller Williams Realty Boca Ra
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Estimated monthly payment
$7,289/mo
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 $7,289/mo · principal, interest, taxes, insurance and HOA. Verify before you buy.
Cash to close includes the down payment, lender and title costs, taxes, insurance prepayments and escrow deposits. Editable estimate only.
Insurance and flood: Zone not provided · verify insurance quotes before buying.
About this home
Find similar homesWelcome to this beautiful single-story home in the highly desirable gated community of Boca Falls. This spacious 4-bedroom, 3-bath residence offers approximately 2,730 square feet of comfortable living space with a well-designed layout featuring a formal living room, family room, and formal dining area. The private, fenced backyard provides a peaceful outdoor retreat, highlighted by a natural rock-faced jacuzzi with a cascading waterfall feature—perfect for relaxing or entertaining. Residents of Boca Falls enjoy an array of community amenities, including a clubhouse, resort-style pool, fully equipped fitness center, tennis courts, and basketball courts.
Why we flagged this one
A transparent review of current MLS facts—not a paid placement.
Price reduced 9%
The seller has come down from $1,100,000 to $1,000,000 — a $100,000 reduction since it came on the market.
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
Dogs
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Breed restrictions
Some breeds not accepted
Your costs (est.)
≈ $7,289/mo
12646 TORBAY Drive, Boca Raton, FL 33428 · Boca Raton
Location
12646 TORBAY Drive, Boca Raton, FL 33428
What buyers ask about this home
What are the estimated monthly carrying costs at 12646 TORBAY Drive, Boca Raton, FL 33428?+
Property tax (after sale): $1,085/month est.; homeowners insurance: $503/month est.; HOA: $512/month. Fixed ownership costs before a mortgage: $2,100/month est. Principal and interest: $5,189/month; PMI: $0/month. Total for the payment scenario shown: $7,289/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 12646 TORBAY Drive, 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 12646 TORBAY Drive, 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 12646 TORBAY Drive, 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.
What extra costs come with the waterfront at 12646 TORBAY Drive, 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 12646 TORBAY Drive, Boca Raton, FL 33428?+
This listing has been on the market 53 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
Waters Edge Elementary School
Elementary · 0.2 mi from this home · 21601 Shorewind Dr, Boca Raton
Loggers' Run Community Middle School
Middle school · 1.1 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.
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Simon Gedz
Realtor® since 1995
Interested in this property?
$1,000,000 · MLS B26077765
$1,000,000
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