David Ramirez
$799,990$815,0003 bd3 ba2,311 sqft$346 /sqft$5,927 /mo all-in ↓

16148 Key Biscayne Lane, Westlake FL 33470, WESTLAKE, FL, 33470

Active113 days on marketListed Apr 22, 2026MLS #B26019085

Reduced $15KWaterfrontPrivate poolSingle Family ResidenceCRESSWIND PALM BEACH,Cresswind

About this home

16148 Key Biscayne Lane, Westlake FL 33470

Set on a premium waterfront cul-de-sac lot with exceptional spacing between neighboring homes, this residence offers a rare combination of privacy, light, and refined design. Every detail has been thoughtfully elevated to create a clean, high-end living experience. A dramatic entry with impact glass double doors opens to a polished foyer featuring custom wall detailing and layered crown molding. Wide-plank flooring extends throughout the main living areas, enhancing the home's seamless, modern flow. The kitchen is a standout, designed with both function and style in mind. It features sleek, soft-close cabinetry in a neutral palette, quartz surfaces, and a full-height backsplash for a striking finish. A professional-grade gas range with designer hood anchors the space, complemented by built-in wall ovens, microwave, and an oversized single-basin sink. The large island, finished with custom detailing, serves as both a centerpiece and gathering space. The main living area is elevated by intricate ceiling work and refined millwork, creating a sophisticated yet welcoming environment. Custom window treatments complete the space while allowing for adjustable natural light. A private office or flex room sits behind glass French doors, offering a quiet, versatile space enhanced by modern lighting and a distinctive accent wall. Secondary living spaces continue the home's elevated feel. Guest bedrooms are well-proportioned with upgraded finishes, while bathrooms feature contemporary styling with quartz countertops, vessel-style sinks, and floor-to-ceiling tilework. One guest suite includes its own upgraded bath with a frameless glass shower for added comfort and privacy. The primary suite is designed as a retreat, featuring elegant ceiling detail, custom finishes, and a calm, airy atmosphere. The ensuite bath delivers a spa-like experience with dual vanities, quartz surfaces, a walk-in shower with designer tilework, and expansive mirrored walls. A fully built-out walk-in closet adds both convenience and luxury. Additional highlights include an oversized laundry room with extensive cabinetry, workspace, and utility sink—designed for both efficiency and organization. Outdoor living is equally impressive, with a covered lanai overlooking tranquil water views and open green space. Motorized screening allows for year-round enjoyment, creating a seamless indoor-outdoor experience ideal for entertaining or quiet relaxation. The generous lot placement enhances the sense of privacy, offering a peaceful backdrop rarely found in community living. This residence delivers a refined balance of design, comfort, and location—set within a sought-after, amenity-rich community offering resort-style pools, fitness facilities, racquet sports, and vibrant social spaces. A distinctive opportunity for those seeking elevated living in a premier setting. All in the Prestigious Cresswind at Westlake, a residential community offering a range of amenities tailored for active adults 55+. World-class amenities, Clubhouse, Very active community, Silver Award Winner - Best of 55+ Housing Awards (National Association of Home Builders)" "2021 "Top 100 Places to Live" (ideal Living Magazine)" The community clubhouse, managed by a full-time lifestyle director, offers a SmartFIT Training Center powered by EGYM, event and game rooms, an arts and crafts studio, pickleball and tennis courts, a dog park, resort-style and resistance pools, a spa, outdoor event plaza, and much more. Westlake Adventure Park amenities include a lagoon pool with a 3-story slide, a splash pad, cabanas, lawn space for parties, an outdoor concert pavilion, basketball courts, an adult pool clubhouse (lodge), a playground, a dog park. As an owner, you also have access to Westlake's Adventure Park. Cresswind HOA covers lawn maintenance, internet and the community amenities. Foyer Chandelier and Wall Sconce do not convey with the sale of the home

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,311

Sqft

0.19 ac

Lot size

2

Garage

2021

Year built

1

Levels

$346

Per sqft

Private poolWaterfrontLake & Water & Lake View view55+ communityPets allowed

Inside

FlooringCarpet · Ceramic Floor
AppliancesGas Water Heater · Natural Gas Water Heater · Dishwasher · Disposal · Dryer · Ice Maker · Microwave · Refrigerator · Self Cleaning Oven · Wall Oven · Washer
InteriorCloset Cabinetry · Cooking Island · Entrance Foyer · French Doors · Volume Ceilings · Walk-In Closet(s) · Den/Library/Office · Great Room · Utility Room/Laundry
LaundryLaundry Room · Utility Room/Laundry · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile · Concrete · Flat Tile · Flat Roof With Facade Front · Tile Roof
ConstructionCBS Construction · Stucco
ViewLake · Water · Lake View
FacesEast
Parking2 Or More Spaces · Driveway · Parking Garage
ExteriorRoom For Pool

Community & fees

HOA fee$425/mo
Taxes (2025)$8,709/yr
PetsYes
CommunityTennis · Gated · Clubhouse · Exercise Room · Maintained Community · Management On Site · Mandatory Hoa · Picnic Area · Pool · Security Patrol · Sidewalks · Spa/Hot Tub · Street Lights · Tennis Court(s) · Whirlpool

Utilities & systems

UtilitiesNatural Gas Connected · Sewer Connected · Water Connected · Natural Gas Available · Sewer Available · Water Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$5,927 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,317
PMI (est., until 20% equity)$300
Property tax — 2025 actual bill$726
HOA fee — from the listing$425
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $79,999Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $79,999
Interest rate6.00%
Loan term

Estimated payment

$5,927/mo

Principal & interest$4,317
PMI (est., until 20% equity)$300
Property taxes (actual bill)$726
HOA / condo fee$425
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $800K
$705KedgeAI estimate $753,469 · range $735K$801K$833K

vs edgeAI estimate

+6.2%

$/sqft vs Westlake actives

$346 vs $302

Days on market

113 vs 45 typical

Where $346/sqft sits among the 77 Westlake actives

14
12
15
14
11 · this home
11
$222–250$250–278$278–305$305–333$333–360$360+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Westlake

Map of 16148 Key Biscayne Lane, Westlake FL 33470

Get to know Westlake. See the full Westlake guide →

WESTLAKE 33470 — neighborhood snapshot

Population

33,232

Median age

43.8

Median income

$116,758

Median home value

$532,200

Avg household

3.05

Households w/ children

3,730

For the school run

Palm Beach County School District

MiddleOsceola Creek Middle School★★★★★
ElementaryFrontier Elementary School★★★★
HighSeminole Ridge Community High School★★★★★
HighGlades Construction Academy At West Technical

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Westlake market

Seller’s marketLeans seller4.6 months of inventoryBuyer’s market

$585K$618K

Westlake median sold, yr/yr

98.5%

Sale-to-list ratio (12 mo)

10 of 77

Westlake actives have cut their price

This home is listed 10% above the WESTLAKE 33470 median. See the full Westlake market guide →

Paper trail

This home's history

CurrentPrice reduced to $799,990 $15K
Apr 22, 2026Listed at $815,000 · 113 days on market since
2021Built · CRESSWIND PALM BEACH,Cresswind

Reality check

What actually sold near 16148 Key Biscayne Lane

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

5366 Santa Rosa Lane, Westlake FL 33470Sold · Mar ’26

$739,000

5366 Santa Rosa Lane, Westlake FL 33470 · same community

3 bd · 3 ba · 2,642 sqft · $280/sqft · 35 DOM

15483 Orchard Dr, Westlake FL 33470Sold · Oct ’25

$650,000

15483 Orchard Dr, Westlake FL 33470

3 bd · 2.5 ba · 2,305 sqft · $282/sqft · 112 DOM

5462 Hutchinson Way, Westlake FL 33470Sold · Jun ’26

$799,990

5462 Hutchinson Way, Westlake FL 33470

3 bd · 3 ba · 2,360 sqft · $339/sqft · 48 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 16148 Key Biscayne Lane — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 16148 Key Biscayne Lane — before you fall in love.

See it in person

Schedule a tour

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Straight answers

16148 Key Biscayne Lane FAQs

What would the monthly payment be for 16148 Key Biscayne Lane, Westlake FL 33470?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,927/mo — principal and interest, the actual property-tax bill, the $425/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

How much are the HOA fees at 16148 Key Biscayne Lane, Westlake FL 33470?+

The association fee works out to $425 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 16148 Key Biscayne Lane, Westlake FL 33470?+

The most recent tax bill on record (2025) was $8,709. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 16148 Key Biscayne Lane, Westlake FL 33470?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Westlake?+

At $799,990, this home is listed about 2% above the Westlake median of $784,000. The market section on this page shows how the area is trending.

Which schools are assigned to 16148 Key Biscayne Lane, Westlake FL 33470?+

Osceola Creek Middle School (middle), Frontier Elementary School (elementary), Seminole Ridge Community High School (high), Glades Construction Academy At West Technical (high) — Palm Beach County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Positioned at the premium end

$799,990 runs 10% above the WESTLAKE 33470 median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

113 days on market against a Westlake median of 45 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Osceola Creek Middle School, Frontier Elementary School, Seminole Ridge Community High School, Glades Construction Academy At West Technical — Frontier Elementary School rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $815,000, now $799,990 — a $15K cut. The full history is in the market section below.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.

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