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+60 photosLuxury home — 4361 Gleneagles Drive · Pine Tree Golf Club · Boynton Beach
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Open property magazine$2,150,000
4361 Gleneagles Drive, Boynton Beach, FL 33436
Boynton Beach, FL, 33436
Listed by Lang Realty/ BR
4361 Gleneagles Drive, Boynton Beach, FL 33436
Listed by Lang Realty/ BR
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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 · Jumbo loan
Jumbo loan: put down about $1,317,250 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
- $11,156/mo
- Property tax (after sale) est.
- $2,174/mo
- Homeowners insurance est.
- $438/mo
- HOA
- $172/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
4361 Gleneagles Drive, Boynton Beach, FL 33436
Estimated cash to close est.
$454,408.50
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): $1,720,000.00Jumbo loan
Above the 2026 $832,750.00 limit, so the daily jumbo rate is used. Put down about $1,317,250.00 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.
$454,408.50
- Down payment est.
- $430,000.00
- Mortgage note documentary stamps est.
- $6,020.00
- Mortgage intangible tax est.
- $3,440.00
- 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.
- $4,348.50
- Insurance escrow (2 months) est.
- $875.00
- First-year insurance premium est.
- $5,250.00
- 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.
- $437 / month
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: Not available —
Source: FEMA National Flood Hazard Layer · Date checked: Oct 26, 2026
- Roof type
- Tile
- Roof year
- Not provided —
- Impact windows / doors
- Impact Glass (Partial)
- Shutters
- Accordion Shutters (Partial), Storm Shutters
- Window features
- Storm Window(S)
- Year built
- 1994
Homeowners insurance: $437 / month est.
- Annual premium est.
- $4,945
- Fees & taxes est.
- $305
- Annual total est.
- $5,250
- Likely range est.
- $4,462–$6,300
- Dwelling coverage est.
- $883,025
- Other structures est.
- $17,661
- Personal property est.
- $176,605
- Loss of use est.
- $88,303
- Hurricane deductible (2%) est.
- $17,661
Based on the listing: 3,718 sq ft · built 1994 · 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.
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 homesBest-value designer-renovated home on nearly 1/2 acre in Pine Tree Golf Club, minutes away from down town Delray Beach, with low HOA & optional membership. Pine Tree Golf Course has been recognized as one of the top 100 golf courses in the United States and 21st place in Golf Digest's 2025-2026 best in state rankings. Move-in ready with spa-like primary suite & resort-style backyard with heated pool. Experience refined living in this beautifully renovated 5-bedroom, 3.5-bath residence, situated within a secure 24-hour manned-gate community. This elegant home offers privacy, sophisticated upgrades, and exceptional indoor-outdoor living. Thoughtfully updated with meticulous attention to detail, this fully designer-renovated home showcases high-end finishes throughout. The stunning open-concept family room and kitchen feature custom cabinetry, sleek stone countertops, an induction cooktop, and a spacious island, seamlessly connecting the home's main living areas—ideal for both everyday living and entertaining. The luxurious ground-floor primary suite offers a true retreat with a spa-inspired bathroom finished in Carrera marble, creating a serene and elevated living experience. A light-filled sunroom provides a tranquil space to relax year-round. Step outside to a beautifully landscaped, fully fenced private backyard designed for a resort-style lifestyle, featuring a large heated pool and outdoor spa, along with a covered outdoor seating area enhanced by a motorized louvered pergola—allowing you to control sun and shade for year-round comfort. Additional upgrades include a newer roof, full hurricane protection with impact windows, shutters, and hurricane-rated garage doors, a whole-home water filtration system, smart-home security features, and a two-car garage equipped with two electric vehicle chargers. The home has been impeccably maintained and is completely move-in ready. Ideally positioned in the heart of Palm Beach County, this residence offers a central location with easy access to Delray Beach, Boca Raton, Wellington, Palm Beach, and West Palm Beach—all within approximately 15-20 minutes. Enjoy proximity to premier shopping, beaches, entertainment, and Michelin-recognized dining. Approximately 15 minutes to American Heritage Schools—consistently ranked among the top private schools in the U.S.—and about 20 minutes to Florida Atlantic University. A rare opportunity to own a turnkey luxury home in one of South Florida's most desirable non-mandatory golf communities. Available for private showings by appointment. Some of the photos are staged.
Why we flagged this one
A transparent review of current MLS facts—not a paid placement.
Price reduced 10%
The seller has come down from $2,395,000 to $2,150,000 — a $245,000 reduction since it came on the market.
227 days on market
Longer time on market usually means the seller is more open to negotiating on price and terms.
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.
Club membership available in this community
The listing remarks mention a membership that is optional or applied for separately.
Membership dues, initiation and waitlists are set by the club and can change — always verify with the association before writing an offer.
Property Details
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4361 Gleneagles Drive, Boynton Beach, FL 33436 · Boynton Beach
Location
4361 Gleneagles Drive, Boynton Beach, FL 33436
What buyers ask about this home
What are the estimated monthly carrying costs at 4361 Gleneagles Drive, Boynton Beach, FL 33436?+
Property tax (after sale): $2,174/month est.; homeowners insurance: $438/month est.; HOA: $172/month. Fixed ownership costs before a mortgage: $2,784/month est. Principal and interest: $11,156/month; PMI: $0/month. Total for the payment scenario shown: $13,940/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 4361 Gleneagles Drive, Boynton Beach, FL 33436?+
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 4361 Gleneagles Drive, Boynton Beach, FL 33436 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 4361 Gleneagles Drive, Boynton Beach, FL 33436?+
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 pool at 4361 Gleneagles Drive, Boynton Beach, FL 33436?+
A pool typically adds ongoing service, chemicals and electricity, plus periodic resurfacing and equipment replacement. Verify the safety barrier meets Florida code, which is required for insurance and resale.
Is there room to negotiate on 4361 Gleneagles Drive, Boynton Beach, FL 33436?+
This listing has been on the market 227 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
Crosspointe Elementary School
Elementary · 1.6 mi from this home · 3015 S Congress Ave, Boynton Beach
Congress Community Middle School
Middle school · 1.3 mi from this home · 101 S Congress Ave, Boynton Beach
Boynton Beach Community High
High school · 2.6 mi from this home · 4975 Park Ridge Blvd, Boynton 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
Trinity Christian Academy
Pre-K & Kindergarten · Private · Christian · Grades PK–12 · Lake Worth
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.
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Simon Gedz
Realtor® since 1995
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