23437 Water Circle, Boca Raton FL 33486, BOCA RATON, FL, 33486
Active49 days on marketListed Jun 18, 2026MLS #B26042628
About this home
23437 Water Circle, Boca Raton FL 33486
Beautifully renovated 3BR/2BA smart villa with split floor plan and tranquil garden views, tucked in a quiet cul-de-sac in a tree-lined courtyard of a premier waterfront, gated community. Eat-in kitchen with coffee bar, stainless LG appliances, maple cabinetry and great storage. Covered, screened patio for easy indoor-outdoor living. Spacious primary suite with walk-in closet and bath with freestanding tub, walk-in shower and dual sinks. Flexible 3rd bedroom for den/office. Luxury vinyl floors, plantation shutters, interior laundry w/sink, 2-car garage pre-wired for EV plus generator hook-up. Pet-friendly. Wonderful amenities: manned gate, tennis, pool, spa/sauna, boat ramp with ocean access. Minutes to downtown Boca, beaches, dining, shopping and top-rated schools. Must see!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,736
Sqft
0.11 ac
Lot size
2
Garage
1995
Year built
1
Levels
$418
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
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.
$5,722 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,722/mo
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.
$/sqft vs Boca Raton actives
$418 vs $328
Days on market
49 vs 56 typical
Where $418/sqft sits among the 400 Boca Raton actives
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 Waterside
Get to know Boca Raton. See the full Boca Raton guide →
Waterside — neighborhood snapshot
Population
456
Median age
55
Median income
$157,984
Median home value
$584,500
Avg household
2
Households w/ children
36%
For the school run
Palm Beach County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Boca Raton market
$3.6M → $710K
Boca Raton median sold, yr/yr
93.4%
Sale-to-list ratio (12 mo)
51 of 400
Boca Raton actives have cut their price
Median sold price, Boca Raton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 61% above the BOCA RATON 33486 median. See the full Boca Raton market guide →
Paper trail
This home's history
Reality check
What actually sold near 23437 Water Circle
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$700,000
23451 Water Circle, Boca Raton FL 33486 · same community
3 bd · 2 ba · 1,736 sqft · $403/sqft · 48 DOM
Sold · Dec ’25$650,000
23301 Water Circle, Boca Raton FL 33486 · same community
3 bd · 2 ba · 1,806 sqft · $360/sqft · 13 DOM
Sold · Aug ’25$495,000
3003 Deer Creek Lake Shore Dr # 3003, Deerfield Beach FL 33442
3 bd · 3.5 ba · 1,740 sqft · $284/sqft · 69 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 23437 Water Circle — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 23437 Water Circle — 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.
Straight answers
23437 Water Circle FAQs
What would the monthly payment be for 23437 Water Circle, Boca Raton FL 33486?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,722/mo — principal and interest, the actual property-tax bill, the $628/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 23437 Water Circle, Boca Raton FL 33486?+
The association fee works out to $628 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 23437 Water Circle, Boca Raton FL 33486?+
The most recent tax bill on record (2025) was $9,003. 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 23437 Water Circle, Boca Raton FL 33486?+
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 Boca Raton?+
At $724,900, this home is listed about 32% above the Boca Raton median of $549,900. The market section on this page shows how the area is trending.
Which schools are assigned to 23437 Water Circle, Boca Raton FL 33486?+
Addison Mizner School (elementary), Boca Raton Community Middle School (middle), Boca Raton 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
Four things that matter here
01Positioned at the premium end
$724,900 runs 61% above the BOCA RATON 33486 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $628/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong assigned schools
Addison Mizner School, Boca Raton Community Middle School, Boca Raton Community High School, Glades Construction Academy At West Technical — Addison Mizner School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
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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