David Ramirez
Short-Term Rental Eligible
$497,000$535,0003 bd2 ba2,034 sqft$244 /sqft$4,479 /mo all-in ↓

12095 Roma Road, Boynton Beach FL 33437, BOYNTON BEACH, FL, 33437

Active74 days on marketListed May 29, 2026MLS #B26034415

Reduced $38KWaterfrontPrivate poolSingle Family ResidenceTUSCANY BAY,Tuscany Bay

About this home

12095 Roma Road, Boynton Beach FL 33437

Welcome to the sought-after Verona model with a BRAND NEW ROOF!! This is the largest model in the active community of Tuscany Bay, where comfort, style, and FL living come together beautifully. This meticulously maintained home features tons of natural light, updated bathrooms, and a bright, open-concept floor plan designed for effortless entertaining and everyday ease. Set on a private, premium lot with serene views and a golf course backdrop beyond, this home offers exceptional privacy with no rear neighbors. A charming pedestrian bridge just steps away from the home provides convenient access across the canal to the community's countless amenities. Inside, you'll find a neutral coastal-inspired palette, abundant natural light, and a spacious layout enhanced by white cabinetry, stainless steel appliances as well as a newer refrigerator, washer, and dryer. The kitchen flows seamlessly into the main living areas, creating a true open-concept design ideal for gatherings. The primary suite features a French door with lush backyard views, custom-outfitted walk-in closet and a well-appointed updated bath, offering both comfort and functionality. Additional bedrooms and flexible living spaces (3rd Bedroom is a Den w/No Closet) provide room for guests, hobbies, or a home office. **Current homeowner's insurance was reduced by around 50% of the previous premium due to the NEW 2025 ROOF!** Tuscany Bay offers an unmatched lifestyle with resort-style amenities including a sparkling heated pool, state-of-the-art fitness center and aerobics studio, card rooms, social hall, media room, arts & crafts studio, billiards room, tennis, pickleball, bocce ball, and an active calendar filled with clubs and social events. This is active Florida living at its finest—combining a beautiful home, tranquil private backyard oasis, and a vibrant community.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,034

Sqft

0.12 ac

Lot size

2

Garage

2003

Year built

1

Levels

$244

Per sqft

Private poolWaterfrontGarden & Golf Course viewFurniture For Sale,Furniture Negotiable55+ communityPets allowed

Inside

FlooringTile
AppliancesElectric Water Heater · Dishwasher · Disposal · Dryer · Microwave · Electric Range · Refrigerator · Self Cleaning Oven · Wall Oven · Washer
InteriorCloset Cabinetry · Entrance Foyer · Pantry · Roman Tub · Split Bedroom · Vaulted Ceiling(s) · Walk-In Closet(s) · Attic · Family Room · Game Room · Recreation Room · Utility Room/Laundry
LaundryLaundry Room · Utility Room/Laundry
CoolingCeiling Fan(s) · Central Air · Electric
HeatingCentral · Electric
FurnishedFurniture For Sale,Furniture Negotiable

Outside & construction

RoofTile · Tile Roof
ConstructionCBS Construction · Stucco
ViewGarden · Golf Course
FacesEast
Parking2 Or More Spaces · Driveway · Parking Garage
ExteriorWest Of Us1

Community & fees

HOA fee$603/mo
Taxes (2025)$6,847/yr
PetsYes
CommunityTennis · Buyer Approval Required · Gated · Clubhouse · Exercise Room · Game Room · Maintained Community · Management On Site · Mandatory Hoa · Pool · Sauna · Security Patrol · Shuffle Board · Spa/Hot Tub · Tennis Court(s) · Whirlpool

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sewer Connected · Water Connected · Cable Available · Electricity 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.

$4,479 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,926
FHA mortgage insurance (est.)$220
Property tax — 2025 actual bill$571
HOA fee — from the listing$603
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,395Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

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
Down payment3.5% · $17,395
Interest rate6.00%
Loan term

Estimated payment

$4,479/mo

Principal & interest$2,926
FHA mortgage insurance (est.)$220
Property taxes (actual bill)$571
HOA / condo fee$603
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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 $497K
$477KedgeAI estimate $543,652 · range $536K$553K$575K

vs edgeAI estimate

−8.6%

$/sqft vs Boynton Beach actives

$244 vs $235

Days on market

74 vs 64 typical

Where $244/sqft sits among the 399 Boynton Beach actives

105
117 · this home
87
44
15
31
$119–183$183–247$247–312$312–376$376–440$440+

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.

The investor lens

Two ways this home pays

This home sits inside Tuscany, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.

Short-term rental

Zoned & eligible

Nightly rentalsAllowed
CommunityTuscany
Fine-tuned for this homePrepared free by our team
Get the free rental analysis

Projected nightly rate, occupancy and annual revenue for this exact home.

Long-term rental

$2,800/mo median

MarketBoynton Beach
Annual gross at median$33,600
Gross yield on this price6.8%
Homes for rent right now393

Live Boynton Beach rental listing data — this home’s rate depends on size, condition and furnishing.

Where it sits

Inside Tuscany Bay

Map of 12095 Roma Road, Boynton Beach FL 33437 inside its neighborhood boundary

Tuscany is a short-term-rental community. See the full guide →

Tuscany Bay — neighborhood snapshot

Population

524

Median age

74

Median income

$44,769

Median home value

$324,500

Avg household

2

For the school run

Palm Beach County School District

MiddleCarver Middle School★★★★★
ElementaryHagen Road Elementary School★★★★★
HighAtlantic High School★★★★★
HighGlades Construction Academy At West Technical

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

The numbers that matter

The Boynton Beach market

Seller’s marketLeans buyer9.9 months of inventoryBuyer’s market

$555K$405K

Boynton Beach median sold, yr/yr

98.7%

Sale-to-list ratio (12 mo)

43 of 399

Boynton Beach actives have cut their price

Median sold price, Boynton Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 58% above the BOYNTON BEACH 33437 median. See the full Boynton Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $497,000 $38K
May 29, 2026Listed at $535,000 · 74 days on market since
2003Built · TUSCANY BAY,Tuscany Bay

Reality check

What actually sold near 12095 Roma Road

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

12119 Roma Road, Boynton Beach FL 33437Sold · Jul ’26

$387,000

12119 Roma Road, Boynton Beach FL 33437 · same community

3 bd · 2 ba · 2,067 sqft · $187/sqft · 71 DOM

12155 Roma Road, Boynton Beach FL 33437Sold · Oct ’25

$520,000

12155 Roma Road, Boynton Beach FL 33437 · same community

3 bd · 2 ba · 2,067 sqft · $252/sqft · 24 DOM

5355 La Casa Circle, Boynton Beach FL 33437Sold · Apr ’26

$476,000

5355 La Casa Circle, Boynton Beach FL 33437 · same community

3 bd · 2 ba · 2,067 sqft · $230/sqft · 59 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 12095 Roma Road — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 12095 Roma Road — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

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Straight answers

12095 Roma Road FAQs

What would the monthly payment be for 12095 Roma Road, Boynton Beach FL 33437?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,479/mo — principal and interest, the actual property-tax bill, the $603/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 12095 Roma Road, Boynton Beach FL 33437?+

The association fee works out to $603 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 12095 Roma Road, Boynton Beach FL 33437?+

The most recent tax bill on record (2025) was $6,847. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Can 12095 Roma Road, Boynton Beach FL 33437 be rented short-term?+

Yes — this home sits inside Tuscany, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.

Are pets allowed at 12095 Roma Road, Boynton Beach FL 33437?+

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 Boynton Beach?+

At $497,000, this home is listed about 53% above the Boynton Beach median of $325,000. The market section on this page shows how the area is trending.

Which schools are assigned to 12095 Roma Road, Boynton Beach FL 33437?+

Carver Middle School (middle), Hagen Road Elementary School (elementary), Atlantic 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

$497,000 runs 58% above the BOYNTON BEACH 33437 median — but at 2,034 sqft it's also 42% larger than the typical Boynton Beach listing.

02Zoned for nightly rentals

Tuscany is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.

03Waterfront living

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

04Know the monthly fee

The association fee is $603/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.

05The price has already moved

Listed at $535,000, now $497,000 — a $38K 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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