1 / 24
+19 photosLuxury condo — 644 NW 13TH Street 0110 · Spanish Oaks Condo · Boca Raton
South Florida Luxury Living
Property Magazine
Your home in print
A magazine dedicated to 644 NW 13TH Street 0110, Boca Raton, FL 33486
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$225,000
644 NW 13TH Street 0110, Boca Raton, FL 33486
Boca Raton, FL, 33486
2 bd · 2 ba · 847 sqft
Listed by Illustrated Properties
644 NW 13TH Street 0110, Boca Raton, FL 33486
Listed by Illustrated Properties
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
- $1,167/mo
- Property tax (after sale) est.
- $228/mo
- Homeowners insurance est.
- $166/mo
- HOA
- $560/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
644 NW 13TH Street 0110, Boca Raton, FL 33486
Estimated cash to close est.
$53,247.50
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): $180,000.00Conforming 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.
$53,247.50
- Down payment est.
- $45,000.00
- Mortgage note documentary stamps est.
- $630.00
- Mortgage intangible tax est.
- $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.
- $455.00
- Insurance escrow (2 months) est.
- $332.50
- First-year insurance premium est.
- $1,995.00
- 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)
- Zone X 0.2 Percent Annual Chance Flood Hazard in Coastal ZoneNot federally required
- Homeowners insurance est.
- $166 / month
Source: FEMA National Flood Hazard Layer · Date checked: Oct 22, 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: X
Moderate mapped flood risk; flooding is still possible.
Source: FEMA National Flood Hazard Layer · Date checked: Oct 22, 2026
- Roof type
- Mixed
- Roof year
- Not provided —
- Impact windows / doors
- Not provided —
- Shutters
- Not provided —
- Window features
- Not provided —
- Year built
- 1970
Homeowners insurance: $166 / month est.
- Annual premium est.
- $1,690
- Fees & taxes est.
- $305
- Annual total est.
- $1,995
- Likely range est.
- $1,696–$2,394
- Dwelling coverage est.
- $201,163
- Other structures est.
- $4,023
- Personal property est.
- $40,233
- Loss of use est.
- $20,116
- Hurricane deductible (2%) est.
- $4,023
Based on the listing: 847 sq ft · built 1970 · 3 stories.
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.
Zone X. Flood insurance is not federally required, but it is strongly recommended and usually available at lower rates.
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 two-bedroom, two-bath condominium in Boca Raton's Spanish Oaks community offers 847 square feet on the third floor. Neutral tile flooring runs through the main rooms, accented by chair rail molding. The kitchen pairs white cabinetry with recessed lighting and integrated appliances. Sliding glass doors and ceiling fans keep the interior bright and comfortable. A screened patio extends the space outdoors, overlooking mature trees and a paved walkway. A full bath accompanies each bedroom, and the layout puts every square foot to work. A smart ownership choice with lasting value. This is a great space to live and it's income producing , can be bundled with the following units 606 NW 13th St #26 and 630 NW 13th St #17. Perfect for Investors looking for immediate income or a 1031.
Building health
- Building
- SPANISH OAKS CONDO· MLS
- Year built
- 1970· MLS
- Stories
- 3· MLS
- Units
- Not provided —
- Milestone inspection
- Not provided —
- Milestone date
- Not provided —
- SIRS
- Not provided —
- SIRS date
- Not provided —
- Special assessments
- Not provided —
- Assessment amount
- Not provided —
- Assessment purpose
- Not provided —
- Assessment due date
- Not provided —
- Reserves
- Not provided —
- Minimum lease term
- Not provided —
- Rentals per year
- Not provided —
- Pet rules
- No· MLS
- Age restriction (55+)
- Not provided —
- HOA fee
- $560 / month · billed Monthly· MLS
Last updated Not provided, source: MLS remarks —
Always review the association's milestone inspection report, SIRS, budget and the last 24 months of board minutes before you buy.
Property Details
Your costs (est.)
≈ $2,121/mo
644 NW 13TH Street 0110, Boca Raton, FL 33486 · Boca Raton
Location
644 NW 13TH Street 0110, Boca Raton, FL 33486
What buyers ask about this home
What are the estimated monthly carrying costs at 644 NW 13TH Street 0110, Boca Raton, FL 33486?+
Property tax (after sale): $228/month est.; homeowners insurance: $166/month est.; HOA: $560/month. Fixed ownership costs before a mortgage: $954/month est. Principal and interest: $1,167/month; PMI: $0/month. Total for the payment scenario shown: $2,121/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 644 NW 13TH Street 0110, Boca Raton, FL 33486?+
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 644 NW 13TH Street 0110, Boca Raton, FL 33486 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 644 NW 13TH Street 0110, Boca Raton, FL 33486?+
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 644 NW 13TH Street 0110, Boca Raton, FL 33486 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 644 NW 13TH Street 0110, Boca Raton, FL 33486?+
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
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 · 1.0 mi from this home · 2470 Nw 5Th Ave, Boca Raton
Boca Raton Community Middle School
Middle school · 0.9 mi from this home · 1251 Nw 8Th St, Boca Raton
Boca Raton Community High School
High school · 1.2 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.
Closed sales in the last 12 months, newest first — condos 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?
$225,000 · MLS B26097613
$225,000
644 NW 13TH Street 0110
630 NW 13th Street 17, Boca Raton, FL 33486
Listed by Illustrated Properties
SPANISH OAKS CONDO
2 bd · 2 ba · 995 sq ft
$225,000
View details
606 NW 13th Street 0260, Boca Raton, FL 33486
Listed by Illustrated Properties
SPANISH OAKS CONDO
2 bd · 2 ba · 847 sq ft
$225,000
View details
555 NW 4th Avenue 401, Boca Raton, FL 33432
Listed by United Realty Group Inc.
STARLITE CONDO
2 bd · 2 ba · 1,056 sq ft
$210,000
View details
1174 NW 13th Street 242b, Boca Raton, FL 33486
Listed by TruDeals Realty Corp
BOCA LINDA CONDO
2 bd · 2 ba · 978 sq ft
$299,000
View details
290 W PALMETTO PARK Road 314, Boca Raton, FL 33432
Listed by LoKation
BOCA PALMS CONDO TR B
2 bd · 2 ba · 945 sq ft
$339,000
View details
400 NE 20TH Street A231, Boca Raton, FL 33431
Listed by LoKation
BOCA VERDE EAST CONDO
1 bd · 2 ba · 772 sq ft
$130,000
View details