12821 86TH ROAD N, WEST PALM BEACH, FL, 33412
Active96 days on marketListed May 1, 2026MLS #TB8502860
About this home
12821 86TH ROAD N
One or more photo(s) has been virtually staged. WELCOME TO YOUR DREAM HOME, RESTING ON A PREMIUM 1.15 ACRE LOT AND BOASTING 4 TRUE BEDROOMS, 2 FULL BATHS, 2 CAR GARAGE, HURRICANE IMPACT SHUTTERS THROUGHOUT AND THIS BEAUTY IS IN A SUPERB LOCATION! NEW ROOF TO BE INSTALLED SOON AS WELL AS A KITCHEN CABINETS FACEFIT. A SPECTACULAR RESIDENCE NESTLED IN THE HEART OF NORTHWEST PALM BEACH PERFECT FOR ENTERTAINING AND DAILY LIVING ** STEP INSIDE TO DISCOVER A SPACIOUS LIVING ROOM ADORNED WITH NATURAL LIGHT, SEAMLESSLY FLOWING INTO AN ELEGANT DINING AREA AND A LARGE SPACIOUS KITCHEN WITH AMPLE CABINET SPACE **. THE MASTER SUITE OFFERS A PRIVATE RETREAT WITH A WALK - IN CLOSET AND A BEAUTIFULLY APPOINTED ENSUITE BATHROOM, WHILE 3 ADDITIONAL BEDROOMS ARE PERFECT FOR FAMILY, GUESTS, OR A HOME OFFICE **. OUTSIDE, THE EXPANSIVE BACKYARD IS A TRUE SANCTUARY, COMPLETE WITH A SCREENED-IN COVERED PATIO, PERFECT SETTING FOR OUTDOOR GATHERINGS, BARBCUES, OR SIMPLY ENJOYING THE SERENE SURROUNDINGS. THE PROFESSIONALLY MATURE LANDSCAPED YARD ADDS A TOUCH OF PARADISE, ALL WITHIN A SHORT DISTANCE TO NEARBY PARKS AND SHOPPING *** SITUATED IN A FRIENDLY COMMUNITY WITH TOP- RATED SCHOOLS AND EASY ACCESS TO MAJOR HIGHWAYS, THIS HOME IS NOT JUST A PLACE TO LIVE, BUT A LIFESTYLE TO EMBRACE. GET YOUR CHANCE TO OWN THIS TRUE GEM IN NORTHWEST PALM BEACH!!! SCHEDULE A SHOWING TODAY !!! NO HOA ***. BRING THE BOATS, TRAILER, RV, TRAILERS AND HORSES *** LARGE VARIETY OF EXOTIC FRUIT TREES - MULTIPLE MANGO VARIETY, BANANA, COCONUT CASHEW, SAPODILLA, SOURSOP, SUGAR APPLE ***. LOTS OF ROOM FOR POOL , GUEST HOUSE, WORKSHOP ***
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,946
Sqft
1.15 ac
Lot size
2
Garage
1993
Year built
One
Levels
$370
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.
$4,615 /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
$4,615/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
+64.5%
$/sqft vs ACREAGE & UNREC
$370 vs $382
Days on market
96 vs 62 typical
Where $370/sqft sits among the 118 homes for sale in ACREAGE & UNREC
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 West Palm Beach
Get to know West Palm Beach. See the full West Palm Beach guide →
WEST PALM BEACH 33412 — neighborhood snapshot
Population
15,499
Median age
49.3
Median income
$134,818
Median home value
$560,800
Avg household
2.73
Households w/ children
1,658
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 West Palm Beach market
$397K → $435K
West Palm Beach median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
40 of 118
ACREAGE & UNREC have cut their price
Median sold price, West Palm Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% below the WEST PALM BEACH 33412 median. See the full West Palm Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 12821 86TH ROAD N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$460,000
1012 66TH STREET E · same community
3 bd · 3 ba · 2,008 sqft · $229/sqft · 6 DOM
Sold · Feb ’26$682,500
25214 BLACK BEAR LANE · same community
3 bd · 2.5 ba · 2,068 sqft · $330/sqft · 35 DOM
Sold · Jan ’26$326,000
13135 YELLOW BLUFF ROAD · same community
4 bd · 2.5 ba · 1,820 sqft · $179/sqft · 0 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 12821 86TH ROAD N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12821 86TH ROAD N — 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
12821 86TH ROAD N FAQs
What would the monthly payment be for 12821 86TH ROAD N?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,615/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 12821 86TH ROAD N?+
The most recent tax bill on record (2025) was $3,597. 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 West Palm Beach?+
At $720,000, this home is listed about 129% above the West Palm Beach median of $315,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12821 86TH ROAD N?+
Pierce Hammock Elementary School (elementary), Western Pines Community Middle (middle), Seminole Ridge 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.
Keep looking
Similar homes nearby
Listing courtesy of DREAM LIVING CFL LLC · Nordene Dixon. MLS #TB8502860.
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 Stellar MLS.
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