102 Reef Road, Palm Beach FL 33480, PALM BEACH, FL, 33480
Active290 days on marketListed Oct 24, 2025MLS #R11135832
About this home
102 Reef Road, Palm Beach FL 33480
Gorgeous Oceanfront Estate designed by Pat Segraves of SKA Architect+Planner. Perfectly situated on 35,500+/- square foot lot with 120'+/- of Ocean frontage. Sophisticated and pristine Colonial Estate with beachfront cabana featuring 6 bedrooms, 8 full baths, and 2 powder rooms. Thoughtful design and refined finishes throughout including stunning marble, beautiful hardwood flooring, and detailed woodwork. Oceanfront living room features beautiful marble fireplace. Stunning waterfront library with exquisite paneling and coffered ceilings. Oversized formal dining room overlooking ocean with beautiful ceilings leads to wet bar with wine fridge. Elegant marble kitchen with chef's island and breakfast nook leads to family room. Primary Suite features stunning Ocean views, vaulted ceilings, dual baths and closets, and waterfront balcony. Additional highlights include game room, gym, media room, and 4 car garage. Spectacular outdoor spaces including oversized backyard, oceanfront loggia, pool loggia with BBQ, and resort-style pool. Serene North End location.
Facts & features
The home at a glance
6
Bedrooms
9
Bathrooms
8,259
Sqft
0.82 ac
Lot size
4
Garage
2014
Year built
2
Levels
$10,776
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.
$531,986 /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
$531,986/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 Palm Beach actives
$10,776 vs $1,248
Days on market
290 vs 113 typical
Where $10,776/sqft sits among the 193 Palm Beach 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 The North End
Get to know Palm Beach. See the full Palm Beach guide →
The North End — neighborhood snapshot
Population
1,142
Median age
60
Median income
$250,001
Median home value
$2,000,000
Avg household
2
Households w/ children
120
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 Palm Beach market
$365K → $5.0M
Palm Beach median sold, yr/yr
91.4%
Sale-to-list ratio (12 mo)
4 of 193
Palm Beach actives have cut their price
This home is listed 22460% above the PALM BEACH 33480 median. See the full Palm Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 102 Reef Road
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$18,400,000
232 La Puerta Way, Palm Beach FL 33480
5 bd · 5.5 ba · 5,354 sqft · $3,437/sqft · 65 DOM
Sold · Jul ’26$30,267,500
143 E Inlet Drive, Palm Beach FL 33480
6 bd · 7.5 ba · 4,675 sqft · $6,474/sqft · 265 DOM
Sold · Jul ’26$2,025,000
516-520 34th Street, West Palm Beach FL 33407
7 bd · 7.5 ba · 4,209 sqft · $481/sqft · 99 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 102 Reef Road — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 102 Reef 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.
Straight answers
102 Reef Road FAQs
What would the monthly payment be for 102 Reef Road, Palm Beach FL 33480?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $531,986/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 102 Reef Road, Palm Beach FL 33480?+
The most recent tax bill on record (2024) was $218,529. 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 102 Reef Road, Palm Beach FL 33480?+
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 Palm Beach?+
At $89,000,000, this home is listed about 3397% above the Palm Beach median of $2,545,000. The market section on this page shows how the area is trending.
Which schools are assigned to 102 Reef Road, Palm Beach FL 33480?+
Palm Beach Public School (elementary), Palm Beach Lakes High School (high), Conniston 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.
The brief
Four things that matter here
01Positioned at the premium end
$89,000,000 runs 22460% above the PALM BEACH 33480 median — but at 8,259 sqft it's also nearly 4 times the size of the typical Palm Beach 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
290 days on market against a Palm Beach median of 113 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Palm Beach Public School, Palm Beach Lakes High School, Conniston Middle School, Glades Construction Academy At West Technical — Palm Beach Public School rates 4 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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