1 / 30
+25 photosWaterfront home — 18989 SE Windward Island Lane · Jupiter River Estates · Jupiter
South Florida Luxury Living
Property Magazine
Your home in print
A magazine dedicated to 18989 SE Windward Island Lane, Jupiter, FL 33458
Dedicated to you and your family.
A photo-rich, always-current edition with the home’s details, neighborhood lifestyle, assigned and nearby schools, ownership planning, and applicable waterfront guidance. Sign in or create a free account and the same edition is rewritten around your household — the schools your children would attend, the boat you keep, the routes you actually drive.
Open property magazine$4,675,000
18989 SE Windward Island Lane, Jupiter, FL 33458
Jupiter, FL, 33458
4 bd · 5 ba · 4,650 sqft · 100 ft of water
Listed by Premier Flat Fee Realty LLC
18989 SE Windward Island Lane, Jupiter, FL 33458100 ft of water frontageSuperyacht range · Boat length ~80 ft · preliminary
Listed by Premier Flat Fee Realty 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
Ask Simon about boat size
Max boat: Not provided · Dock: Not provided
min · est.
Not provided
low tide depth
Enter draft
bridges on the route
Not provided
Run to the ocean
Saved route not provided — Ask Simon
Map © Esri · saved route, planning only
Water depth on the way out
Saved depth segments not provided — Ask Simon
Charted route depths do not confirm private dock depth, current shoaling or safe passage; verify with your captain.
Today’s tide · Eastern time
Current tide prediction not provided — Ask Simon
Route bridges & sources
Bridges on the route
No bridges on this route
Depth sources
NOAA chart (updated weekly)Tides
Tides: NOAA tide predictions, nearest station
Estimate only, not guaranteed. Verify before you buy or sell.
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 · Jumbo loan
Jumbo loan: put down about $3,842,250 or more to stay conforming. What's different?
- A bigger down payment, often 10–20% or more
- A higher credit score, often 700+
- More cash reserves, often 6–12 months of payments
- Full income documentation, sometimes a second appraisal on large loans
Other options: Conforming first mortgage plus a home equity loan for the rest ("piggyback"); Portfolio or private bank loans; Cash. Each lender sets its own rules.
Principal, interest, taxes and insurance, HOA. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $24,258/mo
- Property tax (after sale) est.
- $4,728/mo
- Homeowners insurance est.
- $1,948/mo
- HOA
- $292/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
18989 SE Windward Island Lane, Jupiter, FL 33458
Estimated cash to close est.
$996,771.16
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): $3,740,000.00Jumbo loan
Above the 2026 $832,750.00 limit, so the daily jumbo rate is used. Put down about $3,842,250.00 or more to stay conforming.
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.
$996,771.16
- Down payment est.
- $935,000.00
- Mortgage note documentary stamps est.
- $13,090.00
- Mortgage intangible tax est.
- $7,480.00
- 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.
- $9,455.33
- Insurance escrow (2 months) est.
- $3,895.83
- First-year insurance premium est.
- $23,375.00
- 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 X 0.2 Percent Annual Chance Flood Hazard in Coastal ZoneNot federally required
- Homeowners insurance est.
- $1,948 / month
Source: FEMA National Flood Hazard Layer · Date checked: Oct 24, 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: X
Moderate mapped flood risk; flooding is still possible.
Source: FEMA National Flood Hazard Layer · Date checked: Oct 24, 2026
- Roof type
- Flat
- Roof year
- Not provided —
- Impact windows / doors
- Impact Glass (Complete)
- Shutters
- Not provided —
- Window features
- Arched
- Year built
- 2000
Homeowners insurance: $1,948 / month est.
Zone X. Flood insurance is not federally required, but it is strongly recommended and usually available at lower rates.
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 homesExperience ultimate Florida waterfront lifestyle in prestigious, gated Islands of Jupiter, private waterfront estates spread across 4 islands, renowned for its exclusivity, deep-water access, prime location in heart of Jupiter. Situated on 100 feet water frontage with no fixed bridges, this exceptional estate offers direct ocean access minutes from Ocean. Private dock accommodates 2-3 boats. Spanning 4,648 square feet, home features a thoughtfully designed split floor plan with 4 bedrooms, 5 baths, an additional living space, and a rare 4-car garage. Main level showcases an expansive primary suite and two guest suites, upstairs VIP retreat offers a sitting area, wet bar, private balcony with tranquil river views. Indoor-outdoor living, backyard is a private oasis complete with a resort-style pool and spa, screened patio, outdoor kitchen, cabana bath. Desirable eastern rear exposure captures refreshing ocean breezes keeps outdoor living spaces cool and comfortable throughout the afternoon. Ideal setting for year-round entertainment and relaxation. Recent upgrades include new roof, beautifully renovated kitchen, fresh interior/exterior paint, porcelain-paver driveway, impact windows/doors throughout. Secluded setting, New full-house generator, whole-home water filtration system completes this move-in-ready waterfront retreat, where luxury, privacy, and premier boating access come together in one of Jupiter's most coveted boating communities.
Property Details
Dogs
Welcome here
Cats
Welcome here
Your costs (est.)
≈ $31,225/mo
18989 SE Windward Island Lane, Jupiter, FL 33458 · Jupiter
Location
18989 SE Windward Island Lane, Jupiter, FL 33458
One home, every check
Dock & Draft Match™ brings this home's dock length, low-water depth, every bridge, the ocean run, frontage and yacht size together in one place. Estimate only, not guaranteed. Verify before you buy or sell.
What buyers ask about this home
What are the estimated monthly carrying costs at 18989 SE Windward Island Lane, Jupiter, FL 33458?+
Property tax (after sale): $4,728/month est.; homeowners insurance: $1,948/month est.; HOA: $292/month. Fixed ownership costs before a mortgage: $6,968/month est. Principal and interest: $24,258/month; PMI: $0/month. Total for the payment scenario shown: $31,225/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 18989 SE Windward Island Lane, Jupiter, FL 33458?+
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 18989 SE Windward Island Lane, Jupiter, FL 33458 need flood insurance, and what drives the premium?+
Most of Jupiter 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 18989 SE Windward Island Lane, Jupiter, FL 33458?+
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 18989 SE Windward Island Lane, Jupiter, FL 33458?+
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 18989 SE Windward Island Lane, Jupiter, FL 33458?+
This listing has been on the market 89 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
Jupiter. Coastal lifestyle around the Loxahatchee River and Jupiter Inlet — boating, golf, and pristine beaches.
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.
The Learning Academy At The Els Center Of Excellence
Pre-K & Kindergarten · Charter · Grades PK–12 · Jupiter
School assignment is set by the district and can change. Always confirm the zoned school with the district before you buy.
Closed sales in the last 12 months, newest first — single-family homes only. Tap a home for its photos and sale facts.
Loading nearby sales…
The home, in a magazine
A closer look at this home and its lifestyle — dedicated to you and your family.
Open the magazine
Simon Gedz
Realtor® since 1995
Interested in this property?
$4,675,000 · MLS A12068035
$4,675,000
18989 SE Windward Island Lane