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+45 photosWaterfront home — 3 Lakeside Palms Court · Lakeside Palms · Lake Worth Beach



















































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Open property magazine$3,750,000
3 Lakeside Palms Court, Lake Worth Beach, FL 33460
Lake Worth Beach, FL, 33460
4 bd · 4 ba · 2,525 sqft · 75 ft of water
Listed by Serhant
3 Lakeside Palms Court, Lake Worth Beach, FL 3346075 ft of water frontageBoat length ~55 ft · preliminary
Listed by Serhant
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 $2,917,250 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
- $19,458/mo
- Property tax (after sale) est.
- $3,792/mo
- Homeowners insurance est.
- $655/mo
- HOA
- $4/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
3 Lakeside Palms Court, Lake Worth Beach, FL 33460
Estimated cash to close est.
$787,730.67
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): $3,000,000.00Jumbo loan
Above the 2026 $832,750.00 limit, so the daily jumbo rate is used. Put down about $2,917,250.00 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.
$787,730.67
- Down payment est.
- $750,000.00
- Mortgage note documentary stamps est.
- $10,500.00
- Mortgage intangible tax est.
- $6,000.00
- 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.
- $7,584.50
- Insurance escrow (2 months) est.
- $1,310.17
- First-year insurance premium est.
- $7,861.00
- 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.
- $655 / 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 26, 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 26, 2026
- Roof type
- Barrel
- Roof year
- Not provided —
- Impact windows / doors
- Impact Glass (Complete)
- Shutters
- Not provided —
- Window features
- Storm Window(S)
- Year built
- 2001
Homeowners insurance: $655 / month est.
- Annual premium est.
- $7,556
- Fees & taxes est.
- $305
- Annual total est.
- $7,861
- Likely range est.
- $6,682–$9,433
- Dwelling coverage est.
- $899,531
- Other structures est.
- $17,991
- Personal property est.
- $179,906
- Loss of use est.
- $89,953
- Hurricane deductible (2%) est.
- $17,991
Based on the listing: 2,525 sq ft · built 2001 · 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 homesA rare expression of refined Intracoastal living, this meticulously reimagined custom residence commands 75 feet of direct waterfront along the widest stretch of Lake Worth Lagoon, privately positioned within the intimate Lakeside Palms enclave of Lake Worth Beach. Featuring 4 bedrooms, 2 full and 2 half baths, and a 2-car garage, the home seamlessly blends sophisticated contemporary design with an extraordinary connection to the water. Sweeping panoramic water views, no fixed bridges, a newer private dock with electric and water to the end, seawall, deeded riparian rights, and a private waterfront beach create an enviable setting for effortless boating and elevated coastal living. Inside, exceptional craftsmanship and carefully curated finishes are showcased throughout, with the expanded kitchen serving as a striking centerpiece of the home. Custom cabinetry, exquisite Cristallo quartzite countertops and stone surfaces, a premium Thermador and Miele appliance package, and a tongue-and-groove wood ceiling create a refined yet inviting space. Porcelain tile flooring flows throughout both levels, complemented by custom wood ceilings, crown molding and trim, sleek linear A/C vents, new interior doors and hardware, architectural lighting, and designer wall sconces. An electric fireplace in the living room adds warmth and ambiance, while the dedicated office is distinguished by premium wallpaper and a custom built-in with a walnut butcher-block top. Designed to embrace the very best of South Florida's indoor-outdoor lifestyle, the exterior living spaces are equally impressive. A mechanized pergola and three motorized roll-down patio screens create a beautifully integrated extension of the interior, while marine-grade ceiling fans, landscape speakers, and thoughtfully designed outdoor lighting enhance the setting from day into evening. The natural-gas-heated pool with a brand new heater overlooks the Intracoastal, while the private waterfront beach, seawall, and three-year-old private dock with electric and water extend the experience to the water's edge—creating a spectacular backdrop for entertaining, relaxing, boating, and enjoying life on the Intracoastal. Beyond its striking aesthetic transformation, the residence has been thoughtfully enhanced with an impressive collection of major upgrades, including impact windows and doors throughout, a newer tile roof, two Lennox variable-speed A/C systems less than 2 years old, a 45kW whole-house standby generator with two 200-amp electrical services, a Tesla charger, a tankless gas water heater, and whole-house water filtration with reverse osmosis. A perimeter wall provides an added level of privacy and security. With an extraordinary combination of privacy, sophisticated design, panoramic Intracoastal views, and exceptional boating access, this remarkable residence presents a rare opportunity to experience elevated waterfront living in one of Lake Worth Beach's most intimate enclaves.
Why we flagged this one
A transparent review of current MLS facts—not a paid placement.
Price reduced 11%
The seller has come down from $4,195,000 to $3,750,000 — a $445,000 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
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Your costs (est.)
≈ $23,909/mo
3 Lakeside Palms Court, Lake Worth Beach, FL 33460 · Lake Worth Beach
Location
3 Lakeside Palms Court, Lake Worth Beach, FL 33460
Dock & Draft Match™
75 ft stated water frontage less estimated side-line buffers; canal and inlet length limits not provided — Ask Simon
Boat length ~55 ft · preliminary
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 3 Lakeside Palms Court, Lake Worth Beach, FL 33460?+
Property tax (after sale): $3,792/month est.; homeowners insurance: $655/month est.; HOA: $4/month. Fixed ownership costs before a mortgage: $4,452/month est. Principal and interest: $19,458/month; PMI: $0/month. Total for the payment scenario shown: $23,909/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 3 Lakeside Palms Court, Lake Worth Beach, FL 33460?+
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 3 Lakeside Palms Court, Lake Worth Beach, FL 33460 need flood insurance, and what drives the premium?+
Most of Lake Worth 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 3 Lakeside Palms Court, Lake Worth Beach, FL 33460?+
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 3 Lakeside Palms Court, Lake Worth Beach, FL 33460?+
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 3 Lakeside Palms Court, Lake Worth Beach, FL 33460?+
This listing has been on the market 60 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 Lake Worth Beach, 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
Zone boundaries published by School District of Palm Beach County.
Other options for this address
Somerset Academy The Dr. Bernard Kimmel Campus
Elementary · Charter · Grades PK–8 · Lake Worth
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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