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+76 photosTwilight estate with fountains and trees — 13920 Stirling Road · Sunshine Ranches · Southwest Ranches


















































































South Florida Luxury Living
Property Magazine
Your home in print
A magazine dedicated to 13920 Stirling Road, Southwest Ranches, FL 33330
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$38,900,000
13920 Stirling Road, Southwest Ranches, FL 33330
Southwest Ranches, FL, 33330
Listed by Coldwell Banker Realty
13920 Stirling Road, Southwest Ranches, FL 33330
Listed by Coldwell Banker Realty
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
- $201,844/mo
- Property tax (after sale) est.
- $49,485/mo
- Homeowners insurance est.
- $7,709/mo
- HOA
- $0/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
13920 Stirling Road, Southwest Ranches, FL 33330
Estimated cash to close est.
$8,246,648.33
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): $31,120,000.00
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.
$8,246,648.33
- Down payment est.
- $7,780,000.00
- Mortgage note documentary stamps est.
- $108,920.00
- Mortgage intangible tax est.
- $62,240.00
- Lender’s title insurance est.
- $25.00
- Lender title endorsements est.
- $25.00
- Lender fees est.
- $1,500.00
- Appraisal est.
- $650.00
- Owner’s title insurance est.
- $84,125.00
- 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.
- $98,969.33
- Insurance escrow (2 months) est.
- $15,417.00
- First-year insurance premium est.
- $92,502.00
- 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 AHFlood insurance required
- Homeowners insurance est.
- $7,709 / 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 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: AH
High-risk mapped flood area (1% annual chance of flooding).
Source: FEMA National Flood Hazard Layer · Date checked: Oct 22, 2026
- Roof type
- Shingle
- Roof year
- Not provided —
- Impact windows / doors
- Impact Glass (Complete)
- Shutters
- Not provided —
- Window features
- Storm Window(S)
- Year built
- 1964
Homeowners insurance: $7,709 / month est.
- Annual premium est.
- $92,197
- Fees & taxes est.
- $305
- Annual total est.
- $92,502
- Likely range est.
- $78,627–$111,003
- Dwelling coverage est.
- $8,351,213
- Other structures est.
- $167,024
- Personal property est.
- $1,670,243
- Loss of use est.
- $835,121
- Hurricane deductible (2%) est.
- $167,024
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: 23,442 sq ft · built 1964 · 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 homesOnce-in-a-generation 10-acre private compound in coveted Sunshine Ranches is designed for legacy living. The estate spans approx. 23,442± sq ft under air across six structures—a 5B/6.5BA main residence, 3B/2BA guest house, standalone clubhouse, a fully loaded standalone gym/spa, a 4 car garage with lift space for 8 cars, plans for a 7 stall barn, and a 10,500 sq ft NBA level basketball facility that can be transformed into anything you can imagine- maybe a 100 car showcase garage/man cave? Resort-style pools, koi ponds, murals, fruit trees and curated outdoor experiences unfold across fully walkable grounds filled with surprise and serenity. Gated, secure, and impossibly rare, this property checks every box... and then delivers the "but wait, there's more" you didn't know you needed. 13920 Stirling Road Set across ten contiguous acres in prestigious Sunshine Ranches, this estate represents a rare convergence of privacy, infrastructure, hospitality, and long-term vision. Encompassing approximately 23,442 square feet under air across multiple independent structures, the property is engineered as a fully integrated private campus — balancing architectural permanence with extraordinary lifestyle flexibility at scale. The entire ten acres are intentionally walkable and immersive. Pathways wind through layered landscaping, mature orchards, water features, art installations, and curated gathering spaces — creating moments of discovery and surprise throughout the grounds. This is not simply acreage; it is orchestrated land. Every structure features a new roof. Hurricane-impact windows and doors reinforce structural integrity across the compound. Estate-wide lighting, distributed audio, climate systems, and security infrastructure operate seamlessly, delivering both comfort and control. Producing orchards, reflective ponds, layered pools, immersive art, and a 10,500-square-foot fully air-conditioned facility elevate the property beyond traditional residential classification. This is not simply a home. It is a private estate built for legacy, entertainment, wellness, and imagination. MAIN RESIDENCE Wrapped in Chicago brick — a material no longer manufactured at this scale — the main house immediately signals permanence. Renovated and hurricane-secured, it offers five en-suite bedrooms and six and a half bathrooms designed for both privacy and multigenerational living. Two fully independent guest-style suites on the main level function as private apartments within the residence, each featuring its own entrance, living space, full bath, and generous closet accommodations. Upstairs, the primary suite operates as a private wing. Double-door entry opens to a spacious retreat complete with a breakfast bar, refrigerator, seating area, separate his-and-hers bathrooms, separate closets, and a full-width balcony overlooking the estate grounds. An adjacent office creates a quiet workspace removed from the main living flow. The kitchen was designed for serious hospitality. Outfitted with Miele, Viking, Dacor, and Liebherr appliances, it supports both daily life and large-scale entertaining. A built-in wine preservation system allows opened bottles to remain fresh for extended periods. The adjacent living and dining spaces transition seamlessly into a full entertaining bar featuring ice maker, dual wine refrigeration, and extensive storage. French doors throughout allow indoor-outdoor integration, natural light, and cross-breezes when desired. A wraparound covered balcony surrounds the main level, allowing full perimeter circulation without exposure to rain — a subtle architectural detail enhancing both comfort and longevity. ARRIVAL & GARAGE PAVILION The gated entrance unfolds into a dramatic elongated drive designed for both privacy and anticipation. Separate entry and exit drives support layered security and event-level circulation. The detached garage pavilion spans nearly 2,000 square feet and is fully air-conditioned. Currently configured for four vehicles with lift capability for up to eight, it includes floor drains, integrated compressor and vacuum systems, EV-ready outlets, workstation walls, and significant storage. A dedicated exterior bathroom with shower supports staff or event functionality. Every operational detail has been considered. WATER, LAND & OUTDOOR EXPERIENCE Water is layered across the estate, creating both serenity and spatial separation. A private front pond establishes a reflective arrival experience. A second expansive pond at the rear creates over an acre of natural division between the main residence and the entertainment compound. Hidden behind the garage, a secluded koi sanctuary accessed by a wooden bridge reveals a private decompression garden — invisible from the main approach and discovered only by those who explore. Two distinct resort-style pool environments anchor outdoor living. The lagoon-inspired jumping rock pool integrates waterfalls, dramatic rock features, and immersive landscaping, creating the feeling of a private natural retreat. The main social pool serves as the hospitality centerpiece, adjacent to a fully built-out tiki pavilion equipped for large gatherings with multiple TVs, grills, refrigeration, bar seating, and dynamic lighting. ENTERTAINMENT DISTRICT Beyond the rear pond lies a fully independent entertainment compound comprising a guest house, clubhouse, and gym/spa building — each climate-controlled and newly roofed. The guest house includes three bedrooms, two baths, and a catering-grade kitchen capable of supporting major events without impacting the main residence. The clubhouse delivers a private members-style environment with custom millwork, marble finishes, full bar, integrated audio, private theater, gaming stations, and outdoor lounge areas. HVAC-integrated scent diffusion enhances ambiance. The gym and spa building offers a fully climate-controlled wellness retreat complete with sauna, steam room, cold plunge, massage room, tanning bed, and comprehensive fitness infrastructure. THE 10,500 SQUARE FOOT FACILITY Currently home to a nonprofit basketball program, the fully air-conditioned 10,500-square-foot structure includes professional athletic flooring, locker rooms, conference spaces, viewing balcony, smoothie bar, and integrated technology. With oversized garage access, this space can be reimagined into a 50-100 vehicle showcase garage, private museum, production studio, or bespoke event venue. Its scale and flexibility are unmatched in residential offerings. SECURITY & INFRASTRUCTURE Privacy is engineered. The estate includes perimeter monitoring systems, integrated camera networks, gated entries, smart access controls, and generator backup. Well water, septic systems, whole-house filtration, propane reserves, and estate-wide lighting control ensure independence and operational stability. LANDSCAPING The property is cultivated, not simply landscaped. Mature mango, coconut, olive, sapodilla, guava, lime, avocado, pear, and additional fruit-bearing trees create a producing orchard environment. A dedicated herb garden supports farm-to-table living. Twelve-foot privacy hedges and dense tropical layering create visual insulation. Every tree is illuminated at night. Both pools feature dynamic color lighting. ART & IDENTITY Throughout the estate, illuminated murals and art installations mark transitions between districts, blending grounded agricultural symbolism with aspiration. As evening falls, lighting transforms the campus — ponds reflect movement, waterfalls glow, murals illuminate, and pathways come alive. Across approximately 24,500 square feet under air and ten fully walkable acres, the estate reveals itself differently at every turn. Rooted in land. Built at scale. Designed to rise beyond expectation.
Property Details

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13920 Stirling Road, Southwest Ranches, FL 33330 · Southwest Ranches
Location
13920 Stirling Road, Southwest Ranches, FL 33330
What buyers ask about this home
What are the estimated monthly carrying costs at 13920 Stirling Road, Southwest Ranches, FL 33330?+
Property tax (after sale): $49,485/month est.; homeowners insurance: $7,709/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $57,193/month est. Principal and interest: $201,844/month; PMI: $0/month. Total for the payment scenario shown: $259,037/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 13920 Stirling Road, Southwest Ranches, FL 33330?+
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 13920 Stirling Road, Southwest Ranches, FL 33330 need flood insurance, and what drives the premium?+
Most of Southwest Ranches 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 13920 Stirling Road, Southwest Ranches, FL 33330?+
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 13920 Stirling Road, Southwest Ranches, FL 33330?+
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 13920 Stirling Road, Southwest Ranches, FL 33330?+
This listing has been on the market 15 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 Southwest Ranches, 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
Hawkes Bluff Elementary School
Elementary · 1.6 mi from this home · 5900 Sw 160Th Ave, Southwest Ranches
Silver Trail Middle School
Middle school · 3.7 mi from this home · 18300 Sheridan St, Southwest Ranches
West Broward High
High school
Zone boundaries published by Broward County Public Schools.
Other options for this address
ST. Mark The Evangelist Catholic School
Elementary · Private · Catholic · Grades PK–8 · Southwest Ranches
Cooper City Christian Academy
Pre-K & Kindergarten · Private · Christian · Grades K–12 · Cooper City
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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