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+75 photosWaterfront home — 2849 Spanish River Road · Spanish River Land Co Sub · Boca Raton

















































































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Open property magazine$31,500,000
2849 Spanish River Road, Boca Raton, FL 33432
Boca Raton, FL, 33432
6 bd · 9 ba · 11,142 sqft
Listed by Premier Estate Properties Inc
2849 Spanish River Road, Boca Raton, FL 33432
Listed by Premier Estate Properties Inc
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.
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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 $30,667,250 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
- $163,447/mo
- Property tax (after sale) est.
- $23,919/mo
- Homeowners insurance est.
- $2,978/mo
- HOA
- $0/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
2849 Spanish River Road, Boca Raton, FL 33432
Estimated cash to close est.
$6,532,599.17
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): $25,200,000.00Jumbo loan
Above the 2026 $832,750.00 limit, so the daily jumbo rate is used. Put down about $30,667,250.00 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.
$6,532,599.17
- Down payment est.
- $6,300,000.00
- Mortgage note documentary stamps est.
- $88,200.00
- Mortgage intangible tax est.
- $50,400.00
- 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.
- $47,838.00
- Insurance escrow (2 months) est.
- $5,955.17
- First-year insurance premium est.
- $35,731.00
- 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.
- $2,978 / month
Source: FEMA National Flood Hazard Layer · Date checked: Nov 9, 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: Nov 9, 2026
- Roof type
- Flat
- Roof year
- 2019 (assumed from year built)
- Impact windows / doors
- Not provided —
- Shutters
- Not provided —
- Window features
- Not provided —
- Year built
- 2019
Homeowners insurance: $2,978 / month est.
- Annual premium est.
- $35,426
- Fees & taxes est.
- $305
- Annual total est.
- $35,731
- Likely range est.
- $30,372–$42,878
- Dwelling coverage est.
- $3,969,338
- Other structures est.
- $79,387
- Personal property est.
- $793,868
- Loss of use est.
- $396,934
- Hurricane deductible (2%) est.
- $79,387
Based on the listing: 11,142 sq ft · built 2019 · 2 stories · roof from 2019 · 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.
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 homesIn Boca Raton's Estate Section, this superb gated Intracoastal estate blends modern architecture and designer-curated interiors with spectacular sunset Intracoastal Waterway views and resort-style outdoor living in one of Florida's finest beachside enclaves. Under the guidance of renowned builder Mark Timothy Luxury Homes, Marc-Michaels Interior Design and Brenner Architectural Group, this 15,370± total square-foot estate, with six bedrooms, six bathrooms and three half baths, unveils pleasing proportions, bespoke materials and handcrafted detail at every vantage point. A palette of silver, stone and stained oak carries through the residence. In the foyer, a floating staircase rises against a wall of silver alabaster Shadowstone quartzite; the living room pairs rift-cut white oak with polished Silver Wave marble; the lounge bar glimmers with Silver Ice onyx and hand-silvered mirror; the family room warms to Jerusalem limestone and rustic cladding; and the kitchen's Smoky quartz backsplash lends the finishing shimmer. Entertaining comes naturally here, with dinners for 12 in the formal dining room, mahjong night at the lounge's game table with a built-in banquette and a living room whose monumental glass wine display adds a connoisseur's touch. Outdoors, a summer kitchen, an infinity-edge spa, and fire bowls extend the evening, while two bedroom wings are linked by a bridge overlooking the living room. PROPERTY: On almost half an acre of beautifully landscaped grounds, a gated and walled motor court leads to the covered portico with dramatic waterfall of this exceptional modern estate. With 125± feet on the Intracoastal Waterway and sunsets as its backdrop, the backyard offers an unparalleled resort lifestyle second to none, with a loggia and fully equipped center-island summer kitchen and grill. A sun-splashed pool holds an infinity-edge spa; fire balls add drama; and lounges on the sun shelf invite leisure. Here, afternoons on the sun shelf, evenings by the fire pits and sunsets over the Intracoastal become the rhythm of waterfront living. RESIDENCE: First Level: A two-story foyer introduces this estate, its floating staircase set against Shadowstone quartzite. The living room is a showpiece with Hollywood-esque drama, topped by a two-story ceiling paneled in stained rift-cut white oak, with a window wall of glass sliders that disappear, a ribbon fireplace faced in polished Silver Wave marble and a glass wine display. The casual lounge invites company to linger, with areas for media and conversation, a game table with a built-in banquette and a custom Moeh Hexagon tiled bar finished with a Silver Ice onyx counter and hand-silvered mirror backsplash, all beneath a textural paneled ceiling and over high-polished porcelain-tile flooring. The family room, with a Jerusalem limestone feature wall and ribbon fireplace with a polished Everglades quartzite ledge, overlooks the water, as does its informal dining area. In the open-concept gourmet kitchen, an expansive island topped with honed Caesar stone seats guests alongside the chef. Appointments include streamlined modern cabinetry, window-backed shelving for china display, an art-inspired Smoky quartz backsplash, a butler's pantry and a catering kitchen with professional-grade appliances. The formal dining room seats 12. Also on this level are a guest suite off the foyer, an elevator, a powder room, a cabana bath, a laundry room and an attached four-bay garage split as three in the main and one separate. Second Level: A bridge connecting the bedroom wings overlooks the living room, with the waterway as its backdrop. The primary suite, an oasis of serenity, has rift-cut white oak flooring, a morning bar and fireplace finished in gray Egeo leather and floor-to-ceiling sliding glass doors to an expansive balcony with Intracoastal sunset views. The suite comprises a massage/wellness room, a spa-inspired bath in rift-cut white oak, polished Snow quartz and dolomite marble with dual sinks, a makeup vanity, a soaking tub and a double-size multi-head shower. The adjoining wardrobe room is centered with two islands and presents like a boutique with custom cabinetry and display shelving and secondary laundry room. Nearby are a guest suite and an office with custom cabinetry opening to the bridge. The opposite wing has three equally luxurious bedrooms, two with water views, a media room with custom built-ins. Special Features: French oak, polished Brunello Galeras porcelain and plush broadloom carpeted flooring; Hypnosis semiprecious agate, pearl Origami Sway mosaics, cerused rift-cut white oak ceiling slats and custom bronze and brushed brass architectural accents. Information published or otherwise provided by the listing company and its representatives including but not limited to prices, measurements, square footages, lot sizes, calculations, statistics, and videos are deemed reliable but are not guaranteed and are subject to errors, omissions or changes without notice. All such information should be independently verified by any prospective purchaser or seller. Parties should perform their own due diligence to verify such information prior to a sale or listing. Listing companies expressly disclaims any warranty or representation regarding such information. Prices published are either list price, sold price, and/or last asking price. The listing company participates in the Multiple Listing Service and IDX. The properties published as listed and sold are not necessarily exclusive to listing company and may be listed or have sold with other members of the Multiple Listing Service. Transactions where listing company represented both buyers and sellers are calculated as two sales. "No payments made until title passes" Some affiliations may not be applicable to certain geographic areas. If your property is currently listed with another broker, please disregard any solicitation for services. Copyright 2026 by the listing company. All Rights Reserved.
Property Details
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Your costs (est.)
≈ $190,343/mo
2849 Spanish River Road, Boca Raton, FL 33432 · Boca Raton
Location
2849 Spanish River Road, Boca Raton, FL 33432
Dock & Draft Match™
Ask about dock
Boat fit not verified. Confirm dock length, depth, bridges and ocean access before buying.
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 2849 Spanish River Road, Boca Raton, FL 33432?+
Property tax (after sale): $23,919/month est.; homeowners insurance: $2,978/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $26,897/month est. Principal and interest: $163,447/month; PMI: $0/month. Total for the payment scenario shown: $190,343/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 2849 Spanish River Road, 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 2849 Spanish River Road, 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 2849 Spanish River Road, 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 2849 Spanish River Road, 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 2849 Spanish River Road, Boca Raton, FL 33432?+
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
Boca Raton Community Middle School
Middle school · 3.2 mi from this home · 1251 Nw 8Th St, Boca Raton
Boca Raton Community High School
High school · 3.7 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
Boca Raton Christian School
Pre-K & Kindergarten · Private · Christian · 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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