23039 Watergate Circle, Boca Raton FL 33428, BOCA RATON, FL, 33428
Active24 days on marketListed Jul 16, 2026MLS #B26053046
About this home
23039 Watergate Circle, Boca Raton FL 33428
Discover this beautifully maintained home in the heart of Boca Raton, where you own both the land and the home with NO HOA. One of its most impressive features is the fully stucco exterior, providing the look, durability, and added protection of a traditional site-built home. Inside, you'll find a bright and inviting floor plan with spacious living areas, comfortable bedrooms, and a home that has been meticulously cared for and is truly move-in ready. Enjoy peace of mind with major recent updates, including a 6-year-old roof, 3-year-old A/C system, and a brand-new water heater. Outside, the property offers a large driveway and a spacious backyard, perfect for relaxing or entertaining. Ideally located just minutes from top-rated schools, shopping, dining, parks, and major highways. NO HOA - YOU OWN THE LAND AND THE HOME!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,296
Sqft
0.1 ac
Lot size
1989
Year built
1
Levels
$258
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 — not generic estimates.
$2,320 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,320/mo
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.
$/sqft vs Boca Raton actives
$258 vs $323
Days on market
24 vs 56 typical
Where $258/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 Boca Raton
Get to know Boca Raton. See the full Boca Raton guide →
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 53% above the BOCA RATON 33428 median. See the full Boca Raton market guide →
Paper trail
This home's history
Reality check
What actually sold near 23039 Watergate Circle
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$250,000
11876 Atlantic Circle, Boca Raton FL 33428 · same community
3 bd · 3 ba · 1,308 sqft · $191/sqft · 80 DOM
Sold · Feb ’26$310,000
11644 Venetian Ave, Boca Raton FL 33428 · same community
3 bd · 2 ba · 1,248 sqft · $248/sqft · 76 DOM
Sold · Apr ’26$275,000
22849 Tradewind Road, Boca Raton FL 33428 · same community
3 bd · 2 ba · 1,152 sqft · $239/sqft · 34 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 23039 Watergate Circle — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 23039 Watergate 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
23039 Watergate Circle FAQs
What would the monthly payment be for 23039 Watergate Circle, Boca Raton FL 33428?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,320/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 23039 Watergate Circle, Boca Raton FL 33428?+
The most recent tax bill on record (2025) was $471. 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 23039 Watergate Circle, Boca Raton FL 33428?+
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 $335,000, this home is listed about 39% below the Boca Raton median of $549,900. The market section on this page shows how the area is trending.
Which schools are assigned to 23039 Watergate Circle, Boca Raton FL 33428?+
Hammock Pointe Elementary School (elementary), Olympic Heights Community High (high), Eagles Landing Middle School (middle), Glades Construction Academy At West Technical (high) — Palm Beach County School District. Always verify school assignments with the district before relying on them.
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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