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+92 photosWaterfront home — 829 ORCHID Drive · Sun And Surf Club Community · Boca Raton


































































































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Open property magazine$26,500,000
829 ORCHID Drive, Boca Raton, FL 33432
Boca Raton, FL, 33432
Listed by Serhant
829 ORCHID Drive, Boca Raton, FL 33432Waterfront home with 80 ft dockSuperyacht range · Boat length ~80 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
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 $25,667,250 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
- $137,503/mo
- Property tax (after sale) est.
- $20,122/mo
- Homeowners insurance est.
- $1,314/mo
- HOA
- $0/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
829 ORCHID Drive, Boca Raton, FL 33432
Estimated cash to close est.
$5,479,711.00
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): $21,200,000.00Jumbo loan
Above the 2026 $832,750.00 limit, so the daily jumbo rate is used. Put down about $25,667,250.00 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.
$5,479,711.00
- Down payment est.
- $5,300,000.00
- Mortgage note documentary stamps est.
- $74,200.00
- Mortgage intangible tax est.
- $42,400.00
- 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.
- $40,244.67
- Insurance escrow (2 months) est.
- $2,627.33
- First-year insurance premium est.
- $15,764.00
- 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.
- $1,314 / month
Source: FEMA National Flood Hazard Layer · Date checked: Oct 28, 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 28, 2026
- Roof type
- Metal
- Roof year
- 2024 (assumed from year built)
- Impact windows / doors
- Impact Glass (Complete)
- Shutters
- Not provided —
- Window features
- Impact Glass (Complete)
- Year built
- 2024
Homeowners insurance: $1,314 / month est.
- Annual premium est.
- $15,459
- Fees & taxes est.
- $305
- Annual total est.
- $15,764
- Likely range est.
- $13,400–$18,917
- Dwelling coverage est.
- $2,405,756
- Other structures est.
- $48,115
- Personal property est.
- $481,151
- Loss of use est.
- $240,576
- Hurricane deductible (2%) est.
- $48,115
Based on the listing: 6,753 sq ft · built 2024 · 2 stories · roof from 2024 · 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 · 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 homesIntroducing Orchid Point Estate, an extraordinary new-construction Intracoastal residence located in the coveted Sun & Surf community and offered fully furnished with designer furniture, artwork, and accessories hand-selected by the design team. Positioned on approximately 230 feet of prime waterfront, including approximately 140 feet of protected side yacht dockage within a coveted no-wake zone, the estate captures a breadth of sweeping Intracoastal views that is exceptionally rare in Boca Raton. When compared with many of Boca Raton's premier waterfront communities, the openness, scale, and panoramic nature of these views are truly unmatched. Expertly brought to life by Jag Development, In-Site Design Group, and Farache Bromberg Design Studio, the residence pairs sophisticated modern Architecture with warm, organic finishes and meticulously selected materials sourced from around the world. Dramatic floor-to-ceiling walls of glass frame the Intracoastal from nearly every major living space, allowing the home to fully capitalize on its extraordinary waterfront setting, while Oak Tramonto flooring by Bergamo and rich natural wood detailing bring warmth and texture throughout the interiors. Designed around effortless waterfront living, the main living spaces flow seamlessly from indoors to out, creating a striking backdrop for both everyday life and large-scale entertaining. A fully integrated smart-home system provides intuitive control of lighting, climate, security, and entertainment throughout the residence. At the heart of the home, the chef's kitchen combines clean architectural lines with uncompromising functionality. Custom cabinetry by Mia Cucina is paired with Strata Argentum surfaces by Neolith in a sophisticated Riverwash finish, complemented by premium Wolf, Sub-Zero, and Miele appliances. The result is a refined yet highly functional culinary space designed to perform as beautifully as it presents. The expansive primary suite serves as a private waterfront sanctuary, complete with its own sitting room, dual boutique-style walk-in closets by Mia Cucina, and a covered balcony overlooking the Intracoastal. The spa-inspired primary bath is finished with Neolith Strata surfaces, elegant travertine walls and flooring, a BainUltra soaking tub, and Dornbracht fixtures, creating an atmosphere of understated luxury. Throughout the home, carefully selected natural materials create moments of distinction. The powder room is wrapped in Cepo De Grey Italian limestone, a rare stone formed in northern Italy within a prehistoric lake, adding depth, character, and a unique geological element to the interiors. The outdoor living experience is equally exceptional. Resort-style grounds feature an infinity-edge pool and spa, sun shelf, expansive waterfront terraces, and a covered lanai with a fully equipped summer kitchen. Brazilian walnut ceilings and limestone flooring elevate the outdoor spaces while maintaining a relaxed, resort-inspired atmosphere centered around the estate's extraordinary water views. For the boating enthusiast, Orchid Point offers approximately 230 feet of total waterfront, with approximately 140 feet dedicated to protected side yacht dockage. A newly constructed seawall and cap, together with an approximately 80-foot concrete dock, provide exceptional access to South Florida's world-renowned waterways while allowing the main residence to retain its uninterrupted panoramic Intracoastal views. Additional highlights include construction above required FEMA elevation, an impressive three-car garage with additional dedicated space for a golf cart or storage, an expansive auto plaza, and a residence designed from the ground up for modern South Florida living. Ideally located in Sun & Surf, in the heart of Boca Raton near Palmetto Park Road and A1A, Orchid Point Estate is within walking distance of the neighborhood beach access at Red Reef Park, placing the Atlantic Ocean just moments from your front door. The residence is also only minutes from The Boca Raton and Beach Club, Mizner Park, and downtown Boca Raton, creating an exceptional combination of waterfront privacy, walkable beach access, and immediate proximity to the city's premier dining, shopping, and lifestyle destinations. In a market where truly expansive, unobstructed water views are exceptionally difficult to replicate, Orchid Point Estate stands apart not simply for its waterfrontage, but for the extraordinary scale and openness of the view itself. 230 feet of frontage framing one of Boca Raton's most extraordinary views.
Property Details

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829 ORCHID Drive, Boca Raton, FL 33432 · Boca Raton
Location
829 ORCHID Drive, Boca Raton, FL 33432
Dock & Draft Match™
230 ft stated water frontage less the local Boca Raton side-line buffers; limited by 80 ft stated dock; canal and inlet length limits not provided — Ask Simon
Boat length ~80 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 829 ORCHID Drive, Boca Raton, FL 33432?+
Property tax (after sale): $20,122/month est.; homeowners insurance: $1,314/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $21,436/month est. Principal and interest: $137,503/month; PMI: $0/month. Total for the payment scenario shown: $158,939/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 829 ORCHID Drive, Boca Raton, FL 33432?+
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 829 ORCHID Drive, Boca Raton, FL 33432 need flood insurance, and what drives the premium?+
Most of Boca Raton 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 829 ORCHID Drive, Boca Raton, FL 33432?+
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 829 ORCHID Drive, Boca Raton, FL 33432?+
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 829 ORCHID Drive, Boca Raton, FL 33432?+
This listing has been on the market 23 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
Boca Raton. Resort-style living with Mizner Park, A-rated schools, country clubs, and FAU just minutes inland.
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 · 1.5 mi from this home · 2470 Nw 5Th Ave, Boca Raton
Boca Raton Community Middle School
Middle school · 2.5 mi from this home · 1251 Nw 8Th St, Boca Raton
Boca Raton Community High School
High school · 2.7 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
ST. Andrews School Of Boca Raton Inc
Pre-K & Kindergarten · Private · Catholic · 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.
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