Waterfront home — 2445 SE 8th Street · Santa Barbara Shores · Pompano Beach
South Florida Luxury Living
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Open property magazine$2,350,000
2445 SE 8th Street, Pompano Beach, FL 33062
Pompano Beach, FL, 33062
Listed by Quantum Realty Partners
2445 SE 8th Street, Pompano Beach, FL 3306250 ft of water frontageBoat length ~30 ft · preliminary
Listed by Quantum Realty Partners
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.
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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
- $12,194/mo
- Property tax (after sale) est.
- $3,900/mo
- Homeowners insurance est.
- $850/mo
- HOA
- $0/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
2445 SE 8th Street, Pompano Beach, FL 33062
Estimated cash to close est.
$512,958.84
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): $1,880,000.00
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.
$512,958.84
- Down payment est.
- $470,000.00
- Mortgage note documentary stamps est.
- $6,580.00
- Mortgage intangible tax est.
- $3,760.00
- 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.
- $8,450.00
- 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.
- $7,799.67
- Insurance escrow (2 months) est.
- $1,699.17
- First-year insurance premium est.
- $10,195.00
- 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.
- $850 / 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
- Barrel
- Roof year
- Not provided —
- Impact windows / doors
- Impact Glass (Complete)
- Shutters
- Not provided —
- Window features
- Blinds
- Year built
- 1966
Homeowners insurance: $850 / month est.
- Annual premium est.
- $9,890
- Fees & taxes est.
- $305
- Annual total est.
- $10,195
- Likely range est.
- $8,666–$12,234
- Dwelling coverage est.
- $895,850
- Other structures est.
- $17,917
- Personal property est.
- $179,170
- Loss of use est.
- $89,585
- Hurricane deductible (2%) est.
- $17,917
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: 3,772 sq ft · built 1966 · 2 stories · impact windows / shutters.
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 · standard finish · 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 homesWOW, new property on the block! A crazy deal at $2,350,000 in the exclusive enclave of Santa Barbara Shores. Be the first to see it. Set on 50 feet of deep water frontage overlooking Lake Santa Barbara, this waterfront estate has a private dock, unrestricted ocean access and no fixed bridges, just minutes to the Intracoastal and open ocean. A true boater's dream. It comes with a brand new 2024 barrel tile roof, impact windows and doors throughout, a whole house generator, fresh paint inside and out, refreshed flooring and new exterior lighting. Six bedrooms, four baths and 3,772 SF of living space flow around an open plan that faces the water and is made for entertaining. Step outside to a sparkling pool, sundeck, poolside cabana bath and water views at every turn. The oversized upstairs primary suite has a private balcony, a walk in closet and a spa bath with whirlpool tub. A first floor bedroom with direct pool access works beautifully for guests or a home office. Two car garage and a circular paver drive with room for an RV or boat. No HOA. No restrictions. Move in ready. A rare waterfront opportunity. 2445 SE 8th Street is a rare opportunity to own a true deep water residence within one of Pompano Beach's most coveted waterfront communities, Santa Barbara Shores. Set on 9,600 square feet of land with 50 feet of direct frontage on Lake Santa Barbara, this CBS constructed two story home offers 3,772 square feet of living space, thoughtfully designed for both comfortable daily living and elevated entertaining. The home has been meaningfully updated by the current ownership. A brand new roof installed within the last two years, fresh paint inside and out, impact windows and doors for storm protection, and a whole house generator deliver lasting comfort and peace of mind. The backyard has been transformed into a resort caliber retreat featuring a sparkling pool, an upgraded sundeck, a poolside cabana bath, well maintained landscaping with open water as the backdrop.Inside, the layout is oriented to the water. The expansive primary suite is positioned upstairs and opens to a private balcony with commanding views of Lake Santa Barbara, paired with a walk in closet and a spa style bath. A flexible first floor bedroom with direct pool access is ideal for guests, a private office, or multigenerational living. The upper level has been refreshed with updated flooring, painted closets, and quality fans throughout.Boating enthusiasts will appreciate the private finger dock, unrestricted saltwater access, and the complete absence of fixed bridges between the property and the open Intracoastal, allowing a quick and easy run to the Hillsboro Inlet and the Atlantic beyond. Whether arriving by land or by sea, this home delivers the quintessential South Florida waterfront lifestyle. The home is move-in ready, and opportunity for an end user or investor short-term rental approved & long-term. All room dimensions and measurements are approximate and should be verified by the buyer. No HOA. No restrictions. Pets welcome. Zoned RS 2. Offered exclusively by Quantum Realty Partners LLC, Nathalie Cohen, 305 507 8367.
Property Details

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2445 SE 8th Street, Pompano Beach, FL 33062 · Pompano Beach
Location
2445 SE 8th Street, Pompano Beach, FL 33062
Dock & Draft Match™
50 ft stated water frontage less the local Pompano Beach side-line buffers
Boat length ~30 ft · preliminary
What buyers ask about this home
What are the estimated monthly carrying costs at 2445 SE 8th Street, Pompano Beach, FL 33062?+
Property tax (after sale): $3,900/month est.; homeowners insurance: $850/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $4,749/month est. Principal and interest: $12,194/month; PMI: $0/month. Total for the payment scenario shown: $16,943/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 2445 SE 8th Street, Pompano Beach, FL 33062?+
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 2445 SE 8th Street, Pompano Beach, FL 33062 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 2445 SE 8th Street, Pompano Beach, FL 33062?+
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 2445 SE 8th Street, Pompano Beach, FL 33062?+
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 2445 SE 8th Street, Pompano Beach, FL 33062?+
This listing has been on the market 4 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 · 1.7 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
Bethlehem Christian Academy
Pre-K & Kindergarten · Private · Christian · Grades 2–12 · Lighthouse Point
Millennium Leadership Christian Academy Inc
Pre-K & Kindergarten · Private · Christian · Grades PK–12 · Parkland
Angels Christian Academy Of Pompano Beach
Pre-K & Kindergarten · Private · Christian · Grades K–12 · Pompano Beach
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
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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