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+67 photosGated community home — 2103 NW 53rd Street · Cedar Cay-Broken Sound Country Club · Boca Raton
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Open property magazine$1,379,000
2103 NW 53rd Street, Boca Raton, FL 33496
Boca Raton, FL, 33496
4 bd · 3 ba · 2,262 sqft
Listed by Mangrove Realty Inc
2103 NW 53rd Street, Boca Raton, FL 33496
Listed by Mangrove Realty Inc
This home is no longer available for a tour.
It is pending or sold, so it cannot be added to a tour day. Ask Simon about similar homes you can still see.
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 $546,250 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
- $7,155/mo
- Property tax (after sale) est.
- $1,609/mo
- Homeowners insurance est.
- $326/mo
- HOA
- $600/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
2103 NW 53rd Street, Boca Raton, FL 33496
Estimated cash to close est.
$294,127.27
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): $1,103,200.00Jumbo loan
Above the 2026 $832,750.00 limit, so the daily jumbo rate is used. Put down about $546,250.00 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.
$294,127.27
- Down payment est.
- $275,800.00
- Mortgage note documentary stamps est.
- $3,861.20
- Mortgage intangible tax est.
- $2,206.40
- 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.
- $3,217.17
- Insurance escrow (2 months) est.
- $652.50
- First-year insurance premium est.
- $3,915.00
- 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.
- $326 / 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
- Concrete
- Roof year
- Not provided —
- Impact windows / doors
- Impact Glass (Complete)
- Shutters
- Not provided —
- Window features
- Plantation Shutters
- Year built
- 1987
Homeowners insurance: $326 / month est.
- Annual premium est.
- $3,610
- Fees & taxes est.
- $305
- Annual total est.
- $3,915
- Likely range est.
- $3,328–$4,698
- Dwelling coverage est.
- $537,225
- Other structures est.
- $10,745
- Personal property est.
- $107,445
- Loss of use est.
- $53,723
- Hurricane deductible (2%) est.
- $10,745
Based on the listing: 2,262 sq ft · built 1987 · 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 homesSPECTACULARLY RENOVATED golf-front 4BR, 2.5BA residence in Cedar Cay at Broken Sound Club, a premier Boca Raton country club community. SELLER WILL CREDIT BUYER $50,000 TOWARD NEW CLUB MEMBERSHIP AT CLOSING! Over $350,000 in brand-new renovations create a stunning, turnkey home with soaring ceilings, impact windows/doors, Italian porcelain tile, custom entry, glass stair railings, designer lighting and glass interior doors. Designer kitchen features European cabinetry, Taj Mahal quartz waterfall countertops and newer appliances. Enjoy beautiful golf, lake and pool views, private pool, custom window treatments, EV charger, epoxy garage floor and newer gutters. Immaculate, stylish and move-in ready. Experience the Broken Sound Club lifestyle in the heart of Boca Raton, with an exceptional combination of championship golf, racquet sports, wellness, dining, recreation and resort-style amenities. Broken Sound Club features two championship 18-hole golf courses, including the acclaimed Old Course, plus a comprehensive golf practice facility, instruction, tournaments and year-round programming. Racquet enthusiasts have access to 22 tennis courts and 8 pickleball courts, with clinics, leagues, tournaments and social programming. The club's two-acre poolscape offers multiple aquatic areas, lap swimming, a grotto, waterfall and whirlpool, along with poolside dining. Moonstone Spa & Fitness provides a state-of-the-art fitness center, personal training, group fitness, yoga, Pilates, spa treatments, salon services and wellness programming. Multiple club dining venues provide options ranging from casual poolside dining to elevated cuisine overlooking the golf course. The Boca Raton location adds another significant advantage. From Broken Sound, enjoy convenient access to Boca Raton's beaches, downtown, Mizner Park, Royal Palm Place, Town Center at Boca Raton, restaurants, shopping, entertainment, cultural attractions, parks and recreational facilities. Mizner Park is a signature downtown Boca Raton destination featuring open-air shopping, restaurants, entertainment, the Boca Raton Museum of Art and the Mizner Park Amphitheater. Royal Palm Place adds additional shopping, dining and services in the downtown area. Town Center at Boca Raton offers an extensive selection of luxury retailers, department stores, boutiques and restaurants. Boca Raton also offers an extensive network of parks, recreation facilities, beaches and cultural resources. The Boca Raton Public Library's Downtown Library and Spanish River Library provide access to educational resources, technology, community programs and events. The location provides convenient connectivity to I-95 and Florida's Turnpike, offering access throughout Boca Raton and Palm Beach County as well as convenient connections to Delray Beach, Boynton Beach, Palm Beach and other South Florida destinations. Boca Raton Executive Airport is nearby, with Palm Beach International Airport and Fort Lauderdale-Hollywood International Airport providing additional regional and international travel options. The area offers access to a variety of public and private educational options, including schools serving the Boca Raton area. School assignments, boundaries, enrollment requirements and eligibility are subject to change and should be independently verified with the appropriate school district or educational institution. For buyers searching for Broken Sound Club homes for sale, Cedar Cay homes for sale, Boca Raton golf course homes, Boca Raton country club homes, golf-front homes in Boca Raton, renovated homes in Boca Raton, gated communities in Boca Raton, or luxury homes with pools in Boca Raton, this property combines a major renovation, golf-front setting, private pool and access to one of Boca Raton's premier private club environments. Located minutes from the best of Boca Raton, this property offers the opportunity to enjoy golf, tennis, pickleball, fitness, spa services, dining, shopping, beaches, parks, culture and entertainment while remaining conveniently connected to I-95 and Florida's Turnpike. All information regarding club amenities, membership, fees, schools, dimensions, community features and property details should be independently verified by the buyer.
Club membership available in this community
The listing remarks mention a club or community membership.
Membership dues, initiation and waitlists are set by the club and can change — always verify with the association before writing an offer.
Property Details
Dogs
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Cats
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Breed restrictions
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Your costs (est.)
≈ $9,690/mo
2103 NW 53rd Street, Boca Raton, FL 33496 · Boca Raton
Location
2103 NW 53rd Street, Boca Raton, FL 33496
What buyers ask about this home
What are the estimated monthly carrying costs at 2103 NW 53rd Street, Boca Raton, FL 33496?+
Property tax (after sale): $1,609/month est.; homeowners insurance: $326/month est.; HOA: $600/month. Fixed ownership costs before a mortgage: $2,535/month est. Principal and interest: $7,155/month; PMI: $0/month. Total for the payment scenario shown: $9,690/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 2103 NW 53rd Street, Boca Raton, FL 33496?+
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 2103 NW 53rd Street, Boca Raton, FL 33496 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 I check about the association before buying 2103 NW 53rd Street, Boca Raton, FL 33496?+
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 2103 NW 53rd Street, Boca Raton, FL 33496 be rented out?+
Rental rules are set by the association's documents, not the MLS. Many Boca Raton 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 2103 NW 53rd Street, Boca Raton, FL 33496?+
This listing has been on the market 48 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
Spanish River Community High School
High school · 1.2 mi from this home · 5100 Jog Rd, Boca Raton
Zone boundaries published by School District of Palm Beach County.
Other options for this address
ST. Andrews School Of Boca Raton Inc
Pre-K & Kindergarten · Private · Catholic · Grades PK–12 · Boca Raton
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.
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Simon Gedz
Realtor® since 1995
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$1,379,000
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