520 Phillips Drive, Boca Raton FL 33432, BOCA RATON, FL, 33432
Active174 days on marketListed Feb 10, 2026MLS #F10551329
About this home
520 Phillips Drive, Boca Raton FL 33432
An exceptional opportunity located in Boca Raton's coveted Golden Harbour community awaits. This extremely rare offering presents unmatched potential in an irreplaceable location boasting 85' feet of direct deep-water frontage and desirable south exposure. Golden Harbour is East Boca Raton's premier waterfront neighborhood. Enjoy easy access to South Florida's most exclusive amenities, including beaches, golf courses, Lake Boca, Red Reef Park and the world-renowned Boca Raton Resort & Beach Club. Walkability to Mizner Park and Royal Palm Place offer additional fine dining and upscale shopping. Build a custom dream estate expanding 7000+ square feet or develop a spec home surrounded by ultra luxury residences in this prestigious enclave.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,641
Sqft
0.2 ac
Lot size
2
Garage
1994
Year built
1
Levels
$1,609
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.
$28,163 /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
$28,163/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.
vs edgeAI estimate
+236.8%
$/sqft vs Boca Raton actives
$1,609 vs $355
Days on market
174 vs 56 typical
Where $1,609/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 Golden Harbour
Get to know Boca Raton. See the full Boca Raton guide →
Golden Harbour — neighborhood snapshot
Population
288
Median age
54
Median income
$56,419
Avg household
2
Households w/ children
19%
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)
48 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 965% above the BOCA RATON 33432 median. See the full Boca Raton market guide →
Paper trail
This home's history
Reality check
What actually sold near 520 Phillips Drive
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$1,280,000
300 SE 5th Avenue # 4150, Boca Raton FL 33432
3 bd · 4.5 ba · 2,660 sqft · $481/sqft · 614 DOM
Sold · Jun ’26$2,770,000
300 SE 5th Avenue # 6110, Boca Raton FL 33432
3 bd · 4.5 ba · 2,660 sqft · $1,041/sqft · 50 DOM
Sold · Mar ’26$2,765,000
220 SE Mizner Blvd # 414, Boca Raton FL 33432
2 bd · 3 ba · 2,588 sqft · $1,068/sqft · 143 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 520 Phillips Drive — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 520 Phillips Drive — 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
520 Phillips Drive FAQs
What would the monthly payment be for 520 Phillips Drive, Boca Raton FL 33432?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $28,163/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 520 Phillips Drive, Boca Raton FL 33432?+
The most recent tax bill on record (2025) was $41,713. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Boca Raton?+
At $4,250,000, this home is listed about 673% 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 520 Phillips Drive, Boca Raton FL 33432?+
Boca Raton Elementary 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
Five things that matter here
01Positioned at the premium end
$4,250,000 runs 965% above the BOCA RATON 33432 median — but at 2,641 sqft it's also 71% larger than the typical Boca Raton listing.
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
174 days on market against a Boca Raton median of 56 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Boca Raton Elementary School, Boca Raton Community Middle School, Boca Raton Community High School, Glades Construction Academy At West Technical — Boca Raton Community High School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $4,350,000, now $4,250,000 — a $100K cut. The full history is in the market section below.
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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