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+41 photosHBC Pool — 3604 S Ocean Boulevard 105 · Highland Beach Club Condo · Highland Beach
South Florida Luxury Living
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A magazine dedicated to 3604 S Ocean Boulevard 105, Highland Beach, FL 33487
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Open property magazine$899,000
3604 S Ocean Boulevard 105, Highland Beach, FL 33487
Highland Beach, FL, 33487
Listed by Compass Florida LLC
3604 S Ocean Boulevard 105, Highland Beach, FL 33487
Listed by Compass Florida 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
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, HOA. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $4,665/mo
- Property tax (after sale) est.
- $909/mo
- Homeowners insurance est.
- $167/mo
- HOA
- $1,867/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
3604 S Ocean Boulevard 105, Highland Beach, FL 33487
Estimated cash to close est.
$192,383.43
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): $719,200.00
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.
$192,383.43
- Down payment est.
- $179,800.00
- Mortgage note documentary stamps est.
- $2,517.20
- Mortgage intangible tax est.
- $1,438.40
- 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.
- $1,818.33
- Insurance escrow (2 months) est.
- $333.50
- First-year insurance premium est.
- $2,001.00
- 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.
- $167 / 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: AE
High-risk mapped flood area (1% annual chance of flooding).
Source: FEMA National Flood Hazard Layer · Date checked: Oct 22, 2026
- Roof type
- Barrel
- Roof year
- Not provided —
- Impact windows / doors
- Impact Glass (Complete)
- Shutters
- Not provided —
- Window features
- Impact Glass (Complete)
- Year built
- 1997
Homeowners insurance: $167 / month est.
- Annual premium est.
- $1,696
- Fees & taxes est.
- $305
- Annual total est.
- $2,001
- Likely range est.
- $1,701–$2,401
- Dwelling coverage est.
- $302,813
- Other structures est.
- $6,056
- Personal property est.
- $60,563
- Loss of use est.
- $30,281
- Hurricane deductible (2%) est.
- $6,056
Based on the listing: 1,275 sq ft · built 1997 · 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 · inland 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 homesIntracoastal community with deeded beach! Beautiful 2 BR/2.5 BA Highland Beach Club townhome with ATTACHED GARAGE! Split BR floor plan and ensuite guest bedroom. Marble and wood flooring thruout. Open and modern kitchen with granite counters, white cabinets, SS appliances and breakfast bar opens to generous living room and private oversized patio....great for entertaining. Updated baths, full size washer and dryer and plenty of storage in garage. Primary bedroom has a walk in closet, vaulted ceilings, and private balcony. Huge 2nd BR also has vaulted ceilings and private bathroom. This unit is spacious and bright and extremely well maintained with newer A/C and water heater, impact windows and 9' ceilings. Condo fee includes cable, internet and water. Pet friendly and Investor friendly! The Highland Beach Club is a true paradise for beach lovers with tropical and resort like pool on the intracoastal, BBQ's, outdoor dining area, pizza oven, hot tub, pedestrian dock on the intracoastal, gym, sauna, steam room, club house, billiard room, business center and a tennis/pickleball court....every amenity you could want! Private beach is directly across the street. This is 24 hour man gated community located minutes from the fabulous restaurants, shops, movies, fairs, concerts and cultural events in Downtown Delray and Boca's Mizner Park.
Property Details
3604 S Ocean Boulevard 105, Highland Beach, FL 33487 · Highland Beach
Location
3604 S Ocean Boulevard 105, Highland Beach, FL 33487
Dock & Draft Match™
Dock / slip — ask about dock
Boat fit not verified. Confirm dock length, depth, bridges and ocean access before buying.
What buyers ask about this home
What are the estimated monthly carrying costs at 3604 S Ocean Boulevard 105, Highland Beach, FL 33487?+
Property tax (after sale): $909/month est.; homeowners insurance: $167/month est.; HOA: $1,867/month. Fixed ownership costs before a mortgage: $2,943/month est. Principal and interest: $4,665/month; PMI: $0/month. Total for the payment scenario shown: $7,608/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 3604 S Ocean Boulevard 105, Highland Beach, FL 33487?+
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 3604 S Ocean Boulevard 105, Highland Beach, FL 33487 need flood insurance, and what drives the premium?+
Most of Highland 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 I check about the association before buying 3604 S Ocean Boulevard 105, Highland Beach, FL 33487?+
For a Florida condo, review the milestone structural inspection and the Structural Integrity Reserve Study, current reserve balances, any pending or recently voted special assessment, the association's insurance and its litigation history. Ask how many units are owner-occupied and whether the lender will approve the building — a poorly funded association is the single biggest hidden cost in a condo purchase.
Can 3604 S Ocean Boulevard 105, Highland Beach, FL 33487 be rented out?+
Rental rules are set by the association's documents, not the MLS. Many Highland Beach luxury buildings limit leases to once or twice a year with a minimum term and require board approval and an application fee. Request the declaration and rules before your inspection period ends if rental income matters to your plan.
Is there room to negotiate on 3604 S Ocean Boulevard 105, Highland Beach, FL 33487?+
This listing has been on the market 40 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
Highland Beach. Three miles of low-rise oceanfront condos and estates between Delray and Boca — quiet and exclusive.
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
J. C. Mitchell Elementary School
Elementary · 3.1 mi from this home · 2470 Nw 5Th Ave, Boca Raton
Boca Raton Community Middle School
Middle school · 4.6 mi from this home · 1251 Nw 8Th St, Boca Raton
Boca Raton Community High School
High school · 4.5 mi from this home · 1501 Nw 15Th Ct, Boca Raton
Zone boundaries published by School District of Palm Beach County.
Other options for this address
French Int'L School Of Boca Raton Le Petit Prince
Elementary · Private · Grades K–3 · 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.
Simon Gedz
Realtor® since 1995
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