1 / 28
+23 photosLuxury home — 23329 LAGO MAR Circle · Boca Rio Dev · Boca Raton
South Florida Luxury Living
Property Magazine
Your home in print
A magazine dedicated to 23329 LAGO MAR Circle, Boca Raton, FL 33433
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$850,000
23329 LAGO MAR Circle, Boca Raton, FL 33433
Boca Raton, FL, 33433
Listed by Keller Williams Realty Service
23329 LAGO MAR Circle, Boca Raton, FL 33433
Listed by Keller Williams Realty Service
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 · Conforming loan
Principal, interest, taxes and insurance and 2nd HOA fee. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $4,410/mo
- Property tax (after sale) est.
- $860/mo
- Homeowners insurance est.
- $506/mo
- HOA
- $0/mo
- 2nd HOA / club dues
- $15/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
23329 LAGO MAR Circle, Boca Raton, FL 33433
Estimated cash to close est.
$187,012.34
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): $680,000.00Conforming 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.
$187,012.34
- Down payment est.
- $170,000.00
- Mortgage note documentary stamps est.
- $2,380.00
- Mortgage intangible tax est.
- $1,360.00
- 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.
- $1,719.17
- Insurance escrow (2 months) est.
- $1,011.17
- First-year insurance premium est.
- $6,067.00
- 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.
- $506 / month
Source: FEMA National Flood Hazard Layer · Date checked: Oct 29, 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 29, 2026
- Roof type
- Concrete
- Roof year
- Not provided —
- Impact windows / doors
- Impact Glass (Partial)
- Shutters
- Not provided —
- Window features
- Impact Glass (Partial)
- Year built
- 1996
Homeowners insurance: $506 / month est.
- Annual premium est.
- $5,762
- Fees & taxes est.
- $305
- Annual total est.
- $6,067
- Likely range est.
- $5,157–$7,280
- Dwelling coverage est.
- $548,750
- Other structures est.
- $10,975
- Personal property est.
- $109,750
- Loss of use est.
- $54,875
- Hurricane deductible (2%) est.
- $10,975
Based on the listing: 2,195 sq ft · built 1996 · one story.
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 · 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 homesThis single-story residence features a spacious split-bedroom floor plan, vaulted ceilings, tile flooring, built-ins and generous living areas. Enjoy South Florida living from the screened patio overlooking the private pool and spa. The primary suite offers two walk-in closets, while the cabana bath provides convenient pool access. Additional highlights include a 2-car garage, fenced backyard, and indoor laundry. Conveniently located near shopping, dining and major roadways.
Why we flagged this one
A transparent review of current MLS facts—not a paid placement.
Price reduced 6%
The seller has come down from $900,000 to $850,000 — a $50,000 reduction since it came on the market.
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 / community membership required
$181 / year membership
The MLS lists a second association / club fee for this community.
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
Welcome here
Cats
Welcome here
23329 LAGO MAR Circle, Boca Raton, FL 33433 · Boca Raton
Location
23329 LAGO MAR Circle, Boca Raton, FL 33433
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 23329 LAGO MAR Circle, Boca Raton, FL 33433?+
Property tax (after sale): $860/month est.; homeowners insurance: $506/month est.; HOA: $0/month; 2nd HOA / club dues: $15/month. Fixed ownership costs before a mortgage: $1,380/month est. Principal and interest: $4,410/month; PMI: $0/month. Total for the payment scenario shown: $5,791/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 23329 LAGO MAR Circle, Boca Raton, FL 33433?+
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 23329 LAGO MAR Circle, Boca Raton, FL 33433 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 23329 LAGO MAR Circle, Boca Raton, FL 33433?+
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 23329 LAGO MAR Circle, Boca Raton, FL 33433?+
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 23329 LAGO MAR Circle, Boca Raton, FL 33433?+
This listing has been on the market 20 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
Boca Raton Community Middle School
Middle school · 2.2 mi from this home · 1251 Nw 8Th St, Boca Raton
Boca Raton Community High School
High school · 2.4 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
Boca Raton Christian School
Pre-K & Kindergarten · Private · Christian · Grades PK–12 · Boca Raton
Highlands Christian Academy
Pre-K & Kindergarten · Private · Christian · Grades PK–12 · Pompano Beach
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.
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?
$850,000 · MLS B26082649
$850,000
23329 LAGO MAR Circle
21789 Linwood Way, Boca Raton, FL 33433
Listed by Regency Realty Services
PINES AT BOCA DEL MAR
4 bd · 3 ba · 2,548 sq ft
$1,230,000
View details
1051 NW 3rd Street, Boca Raton, FL 33486
Listed by Compass Florida, LLC
Lake Floresta
3 bd · 2 ba · 1,647 sq ft
$1,075,000
View details
1181 SW Walnut Terrace, Boca Raton, FL 33486
Listed by One Sotheby's International Realty
CAMINO GARDENS SEC 3
3 bd · 2 ba · 1,521 sq ft
$1,399,000
View details
23381 BUTTERFLY PALM Court, Boca Raton, FL 33433
Listed by Cypress Realty & Investments LLC
PALMS AT BOCA POINTE
3 bd · 3 ba · 2,584 sq ft
$815,000
View details
7580 Mirabella Drive, Boca Raton, FL 33433
Listed by Serhant
VALENCIA
4 bd · 5 ba · 2,962 sq ft
$1,295,000
View details
8315 GARDEN GATE Place, Boca Raton, FL 33433
Listed by KW Innovations
COUNTRY PARK AT BOCA RATON I
3 bd · 2 ba · 1,103 sq ft
$490,000
View details