1 / 125
+120 photosWaterfront home — 3815 S Lake Drive · Lake Eden Sub 2 · Boynton Beach
South Florida Luxury Living
Property Magazine
Your home in print
A magazine dedicated to 3815 S Lake Drive, Boynton Beach, FL 33435
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$3,995,000
3815 S Lake Drive, Boynton Beach, FL 33435
Boynton Beach, FL, 33435
5 bd · 6 ba · 3,765 sqft · 150 ft of water
Listed by The Corcoran Group
3815 S Lake Drive, Boynton Beach, FL 33435150 ft of water frontageBoat length ~37 ft · preliminary
Listed by The Corcoran Group
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: 120 ft · Dock: Not provided
min · est.
11.2 nm
low tide depth
Enter draft
bridges on the route
a tall boat passes only when they open, on their schedule
Run to the ocean
Map © Esri · saved route, planning only
Water depth on the way out
Charted route depths do not confirm private dock depth, current shoaling or safe passage; verify with your captain.
Today’s tide · Eastern time
High: 3.4 ft · 6:42 AM ET
Low: 0.4 ft · 12:12 AM ET
Route bridges & sources
Bridges on the route
Lake Ida Road · fixed · clearance not provided
I 95 SR 9 · fixed · clearance not provided
SFRTA South Florida Rail Corridor · type unconfirmed · clearance not provided
Congress Ave · fixed · clearance not provided
Sr806 Atlantic Ave · fixed · clearance not provided
Old Dixie Hwy · fixed · clearance not provided
US-1 (sr 5) · fixed · clearance not provided
Bridge · type unconfirmed · clearance not provided
Spanish River · opens · 21 ft closed · Opens on the hour and half hour
Palmetto Park Road · opens · 13.8 ft closed · Opens on the hour and half hour
A1A · opens · 23 ft closed · Opens on signal
Unnamed bridge (charted) · fixed · clearance not provided
Depth sources
Army Corps survey · Intracoastal Waterway, Palm Beach County · surveyed Apr 4, 2022 · shallowest 7.5 ft on your route
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 $3,162,250 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. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $20,729/mo
- Property tax (after sale) est.
- $4,040/mo
- Homeowners insurance est.
- $1,152/mo
- HOA
- $0/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
3815 S Lake Drive, Boynton Beach, FL 33435
Estimated cash to close est.
$845,262.17
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): $3,196,000.00Jumbo loan
Above the 2026 $832,750.00 limit, so the daily jumbo rate is used. Put down about $3,162,250.00 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.
$845,262.17
- Down payment est.
- $799,000.00
- Mortgage note documentary stamps est.
- $11,186.00
- Mortgage intangible tax est.
- $6,392.00
- 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.
- $8,080.00
- Insurance escrow (2 months) est.
- $2,304.17
- First-year insurance premium est.
- $13,825.00
- 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)
- Not available —
- Homeowners insurance est.
- $1,152 / month
Source: FEMA National Flood Hazard Layer · Date checked: Nov 7, 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: Not available —
Source: FEMA National Flood Hazard Layer · Date checked: Nov 7, 2026
- Roof type
- Aluminum
- Roof year
- Not provided —
- Impact windows / doors
- Not provided —
- Shutters
- Panel Shutters (Complete), Storm Shutters
- Window features
- Blinds
- Year built
- 1975
Homeowners insurance: $1,152 / month est.
- Annual premium est.
- $13,520
- Fees & taxes est.
- $305
- Annual total est.
- $13,825
- Likely range est.
- $11,751–$16,590
- Dwelling coverage est.
- $1,341,281
- Other structures est.
- $26,826
- Personal property est.
- $268,256
- Loss of use est.
- $134,128
- Hurricane deductible (2%) est.
- $26,826
Based on the listing: 3,765 sq ft · built 1975 · 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.
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 homesSprawling waterfront property directly on Lake Ida with breath-taking sunset views down the length of the lake. This stunning Key West style single story home with metal roof sits on 2/3 of an acre with 150 feet of waterfront complete with a brand new boat dock, lift and boat launch ramp. The home's spacious 3,765 sf includes 5 bedrooms, 5 1/2 bathrooms and a 3-car garage. Updated interior with tile flooring throughout, a quartzite waterfall kitchen island, induction cooktop and GE Monogram appliances. A full guest apartment with kitchenette is above the garage. A large yard and heated pool complete this incredible compound. Perfect for an active family who enjoys watersports, wave runners, fishing and fun. Close proximity to top private schools, Downtown Delray and the white sand beach. The property just received a complete landscaping makeover. Incredible property for entertaining and relaxing. Enjoy fishing, wake surfing, waterskiing and waver running on Lake Ida. Play tennis and pickleball at the Delray Tennis Center. First class living with non-stop fun.
Property Details
Dogs
Welcome here
Cats
Welcome here
Your costs (est.)
≈ $25,921/mo
3815 S Lake Drive, Boynton Beach, FL 33435 · Boynton Beach
Location
3815 S Lake Drive, Boynton Beach, FL 33435
Dock & Draft Match™
150 ft stated water frontage less estimated side-line buffers; canal and inlet length limits not provided — Ask Simon; route to the Atlantic limited by the canal near Congress Ave (about 1.9 mi from the dock), about 57 ft wide (est.). Length screen only; verify beam, draft, bridges and tides
Boat length ~37 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 3815 S Lake Drive, Boynton Beach, FL 33435?+
Property tax (after sale): $4,040/month est.; homeowners insurance: $1,152/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $5,192/month est. Principal and interest: $20,729/month; PMI: $0/month. Total for the payment scenario shown: $25,921/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 3815 S Lake Drive, Boynton Beach, FL 33435?+
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 3815 S Lake Drive, Boynton Beach, FL 33435 need flood insurance, and what drives the premium?+
Most of Boynton 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 3815 S Lake Drive, Boynton Beach, FL 33435?+
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 3815 S Lake Drive, Boynton Beach, FL 33435?+
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 3815 S Lake Drive, Boynton Beach, FL 33435?+
This listing has been on the market 76 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 Boynton 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
Plumosa School Of The Arts
Elementary · 0.7 mi from this home · 2501 Seacrest Blvd, Delray Beach
Zone boundaries published by School District of Palm Beach County.
Other options for this address
Trinity Evangelical Lutheran Chrch Of Del Ray Bch
Elementary · Private · Christian · Grades PK–8 · Delray Beach
American Heritage School - Boca/Delray Palm Beach
Pre-K & Kindergarten · Private · Grades PK–12 · Delray Beach
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?
$3,995,000 · MLS B26067641
$3,995,000
3815 S Lake Drive
1320 SW 26TH Avenue, Boynton Beach, FL 33426
Listed by Coldwell Banker
GOLF VIEW HARBOUR 2ND SEC
4 bd · 2 ba · 2,002 sq ft
$1,143,000
View details
201 SE 24TH Avenue, Boynton Beach, FL 33435
Listed by Serhant
HIGH POINT
2 bd · 2 ba · 1,196 sq ft
$550,000
View details
1593 SW 14TH Avenue, Boynton Beach, FL 33426
Listed by CENTURY 21 Tenace Realty
PALM BEACH LEISUREVILLE SEC 9
2 bd · 2 ba · 1,582 sq ft
$305,000
View details
2070 SW 13TH Terrace, Boynton Beach, FL 33426
Listed by RE/MAX Direct
PALM BEACH LEISUREVILLE SEC 8
2 bd · 2 ba · 1,322 sq ft
$269,900
View details
143 TARA LAKES Drive W, Boynton Beach, FL 33436
Listed by KW Reserve Palm Beach
LAKES OF TARA UNIT 2
3 bd · 2 ba · 1,567 sq ft
$470,000
View details
2395 SW CONGRESS Boulevard, Boynton Beach, FL 33426
Listed by Apogee Team Realty, LLC
PALM BEACH LEISUREVILLE SEC 6
2 bd · 2 ba · 1,317 sq ft
$339,900
View details