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+45 photosGated community home — 7544 Citronella Street · Valencia Lakes · Boynton Beach



















































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Open property magazine$675,000
7544 Citronella Street, Boynton Beach, FL 33437
Boynton Beach, FL, 33437
3 bd · 2 ba · 2,081 sqft
Listed by LoKation
7544 Citronella Street, Boynton Beach, FL 33437
Listed by LoKation
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 · Conforming loan
Principal, interest, taxes and insurance, HOA. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $3,502/mo
- Property tax (after sale) est.
- $675/mo
- Homeowners insurance est.
- $268/mo
- HOA
- $707/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
7544 Citronella Street, Boynton Beach, FL 33437
Estimated cash to close est.
$147,548.33
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): $540,000.00Conforming loan
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.
$147,548.33
- Down payment est.
- $135,000.00
- Mortgage note documentary stamps est.
- $1,890.00
- Mortgage intangible tax est.
- $1,080.00
- 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.
- $1,349.00
- Insurance escrow (2 months) est.
- $536.33
- First-year insurance premium est.
- $3,218.00
- 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.
- $268 / month
Source: FEMA National Flood Hazard Layer · Date checked: Nov 6, 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 6, 2026
- Roof type
- Spanish Tile
- Roof year
- Not provided —
- Impact windows / doors
- Not provided —
- Shutters
- Accordion Shutters (Complete), Storm Shutters
- Window features
- Blinds
- Year built
- 1997
Homeowners insurance: $268 / month est.
- Annual premium est.
- $2,913
- Fees & taxes est.
- $305
- Annual total est.
- $3,218
- Likely range est.
- $2,736–$3,862
- Dwelling coverage est.
- $520,250
- Other structures est.
- $10,405
- Personal property est.
- $104,050
- Loss of use est.
- $52,025
- Hurricane deductible (2%) est.
- $10,405
Based on the listing: 2,081 sq ft · built 1997 · one story · 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 homesWelcome to this beautifully renovated single story Mediterranean residence in the desirable gated 55+ community of Valencia Lakes in Boynton Beach! Offering 3 bedrooms, 2 bathrooms, and 2,091 sq ft, this impressive home features an open concept floor plan, extensive renovations, modern finishes, and exceptional indoor and outdoor living spaces. From the moment you arrive, you are welcomed by elegant double front entry doors with a beautiful semi circular transom window above. Inside, the spacious foyer opens to expansive living and dining areas featuring soaring ceilings, neutral interior finishes, luxury vinyl flooring, wide baseboards, crown molding, recessed LED lighting, and modern ceiling fans throughout. Architectural niches and thoughtfully designed details add character and dimension, while the open layout creates an inviting atmosphere ideal for everyday living and entertaining. A separate formal dining area provides additional space for hosting family and guests, while the dedicated office/den, accessed through elegant double doors with decorative frosted glass panels, offers flexibility for working from home, hobbies, or additional living space. The beautifully renovated kitchen serves as the centerpiece of the home, featuring white shaker style cabinetry with brushed silver hardware, stainless steel appliances, elegant quartz countertops, and a full height quartz backsplash with subtle gray veining. The oversized waterfall edge kitchen island offers additional cabinetry and storage, an undermount sink, dishwasher, and seating for 2 beneath 3 contemporary glass pendant lights. Additional kitchen features include decorative floating shelves and a double door pantry closet. The adjoining breakfast nook is surrounded by a beautiful bay of windows with plantation shutters, creating a bright and inviting setting for casual dining. The kitchen flows seamlessly into the spacious family room, featuring comfortable seating, a dedicated entertainment wall, and sliding glass doors leading to the covered and screened in outdoor living area. The spacious primary bedroom suite offers a relaxing retreat with a decorative tray ceiling, ceiling fan, recessed lighting, and a large window allowing natural light to fill the room. The beautifully renovated primary bathroom showcases attractive wood grain tile, an extended dual sink vanity with dark wood cabinetry, quartz countertops, a dedicated makeup area, and a custom walk in shower featuring decorative pebble flooring and a built in seating bench. The additional bedrooms offer comfortable accommodations, while the updated guest bathroom features a white shakerstyle vanity, quartz countertop, illuminated LED mirror, and marble look tiled tub and shower combination enclosed by frameless sliding glass doors. Additional upgrades and features include a whole house water filtration system, under sink reverse osmosis water filtration system, luxury vinyl flooring throughout, new wide baseboards and crown molding, upgraded LED lighting, new ceiling fans, plantation shutters, and updated window treatments. The dedicated laundry room features frontloading LG washer and dryer units, white upper storage cabinetry, and a tall pantry cabinet. Additional features include a newer roof, accordion hurricane shutters, convenient pull down attic access stairs, and a Tesla charging power outlet in the garage. Enjoy the South Florida lifestyle from the large, extended, covered, and screened in lanai, featuring brick paver flooring, an outdoor ceiling fan, multiple seating and dining areas, and plenty of room to relax or entertain. The spacious screened enclosure overlooks a beautifully manicured green lawn surrounded by a white privacy fence, while the raised brick paver patio provides additional outdoor living space. Enjoy the lifestyle and convenience of living in Valencia Lakes, a desirable gated 55+ active adult community located in Boynton Beach, Florida. Known for its welcoming atmosphere, beautifully maintained surroundings, and active social calendar, Valencia Lakes offers residents an opportunity to enjoy an engaging and connected lifestyle. The community features the beautifully renovated Excelsior Club clubhouse, a resort style swimming pool, lap pool, fitness facilities, tennis courts, newly added pickleball courts, and an expanded community café. Residents can also enjoy numerous clubs, social gatherings, recreational activities, and community events throughout the year. Ideally situated in western Boynton Beach in Palm Beach County, Valencia Lakes offers convenient access to everyday shopping, grocery stores, restaurants, medical facilities, and a variety of local services. Nearby shopping destinations provide plenty of options for dining, retail, and daily necessities. Outdoor enthusiasts can enjoy nearby parks, nature preserves, walking trails, and recreational destinations, including Green Cay Nature Center and Wetlands and Wakodahatchee Wetlands. The beautiful Atlantic Ocean beaches, waterfront dining, boating, golf courses, and entertainment throughout Boynton Beach, Delray Beach, and Boca Raton are also within driving distance.
Property Details
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Your costs (est.)
≈ $5,152/mo
7544 Citronella Street, Boynton Beach, FL 33437 · Boynton Beach
Location
7544 Citronella Street, Boynton Beach, FL 33437
What buyers ask about this home
What are the estimated monthly carrying costs at 7544 Citronella Street, Boynton Beach, FL 33437?+
Property tax (after sale): $675/month est.; homeowners insurance: $268/month est.; HOA: $707/month. Fixed ownership costs before a mortgage: $1,649/month est. Principal and interest: $3,502/month; PMI: $0/month. Total for the payment scenario shown: $5,152/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 7544 Citronella Street, Boynton Beach, FL 33437?+
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 7544 Citronella Street, Boynton Beach, FL 33437 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 7544 Citronella Street, Boynton Beach, FL 33437?+
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.
Is there room to negotiate on 7544 Citronella Street, Boynton Beach, FL 33437?+
This listing has been on the market 0 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
Hagen Road Elementary School
Elementary · 0.7 mi from this home · 10565 Hagen Ranch Rd, Boynton Beach
West Boynton Middle School
Middle school · 1.6 mi from this home · 8655 Senator Joe Abruzzo Ave, Boynton Beach
Park Vista Community High School
High school · 3.7 mi from this home · 7900 S Jog Rd, Lake Worth
Zone boundaries published by School District of Palm Beach County.
Other options for this address
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.
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