Listing data updated August 15, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,581Sq Ft
1990Year Built
$441Per Sq Ft
2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
20% above
$/sq ft vs community
$441 here vs $366 median sold (12 mo)
Buyer leverage
Balanced market
64 days on market
4.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~9 ft elevation
$3k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Listed at $697,000 — recent neighborhood median sale price ~$657,500 (nearby sales; deemed reliable, not an appraisal)
64 days on market
HOA ~$50/mo (estimate; confirm)
Momentum Research · Siena Oaks Palm Beach Gardens
Pricing & the Siena Oaks Palm Beach Gardens market
How this home is priced against recent nearby sales, and where Siena Oaks Palm Beach Gardens has been over 25 years. Momentum Research analysis of Beaches MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
1990BuiltPer public record
Jul 2, 2026First trackedObserved at $715,000
Aug 4, 2026Price cut$697,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$4,605/mo
Principal & interest $3,587/mo78%
Taxes $610/mo13%
Insurance $359/mo8%
HOA $50/mo1%
$4,605/mo at 20% down, 30-yr @ 6.67% · edit any field to update.
Estimated from today’s asking price and current Palm Beach County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $5,350/yr ($446/mo)
+$6,750 more each year
(+126%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$161,146
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), BeachesMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
48/100
Strongest on: Flood safety (90), Insurance cost (62)
0 limited50100 exceptional
48/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $441/sq ft vs the community 12-month median $366/sq ft.
Affordability40
List price $697,000 vs the community median $657,500. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~9 ft elevation. Verify the parcel with FEMA.
Insurance cost62
From FEMA Zone X and a 1990 build. Obtain a property-specific quote.
Market liquidity56
Community inventory, ~4.0 months of supply (12-month record).
Renovation upside41
From a 1990 build and $441/sq ft vs the community median $366/sq ft. Not a condition assessment.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
🟡 Asking $441 per square foot, about 20% above the community’s $366 median. Siena Oaks Palm Beach Gardens’s 12-month median sold price per square foot is $366. MLS facts: BeachesMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
82% of homes in Siena Oaks Palm Beach Gardens are owner-occupied. An estimated 18% are non-owner-occupied, including 9% held in a company or trust and 100% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 304 homes matched. Community-level context.
What’s unique here: one of only 3 active listings in Siena Oaks Palm Beach Gardens, no CDD assessment.
Updated August 15, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome to 1097 Roble Way, a charming and inviting single-family home located in beautiful Palm Beach Gardens, Florida. With 1,581 square feet of comfortable living space, this residence offers the perfect blend of functionality and relaxed Florida living. This well-maintained home boasts three spacious bedrooms and two full bathrooms, creating ample room for both living and entertaining.
The bright and open layout is enhanced by a seamless transition to your outdoor living space. Step outside and take advantage of the amazing community amenities! The property features access to a sparkling communal pool—perfect for soaking up the Florida sunshine or unwinding after a long day.
For those who enjoy staying active, the community also offers a well-maintained pickleball court. Within just minutes from Palm Beach Gardens medical center, TGL SoFi Arena, the beach, A rated schools, award winning restaurants, etc., you truly cannot beat this location. Whether you're seeking relaxation or recreation, 1097 Roble Way provides a wonderful opportunity for any lifestyle.
This home is situated in an exceptional location, making it the ideal place to savor all that Palm Beach Gardens has to offer. Don't miss out on this fantastic property—schedule your showing today!
Description provided by Compass Florida LLC and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$697,000
Bed / bath3 / 2
Living area1,581 sq ft
Year built1990
Property typeSingle Family Residence
Garage2-car
MLS #B26040213
Listing status64 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~9 ft
Windstorm exposureLow
CountyPalm Beach
Area listings3 active · 3 under contract
Estimated first-year tax~$7,318/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$441
Estimated monthly payment$4,605
Insurance (illustrative)$3k–$6k/yr
Messtimate range$558,093 – $649,791
Comparable-sales median$657,500
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$558,093the mess$649,791
Actual list price: $697,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 16% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
5 active listings competing, 3 under contract
≈4.0 months of supply
9 closed here in the last 12 months
For reference, this home is listed at $697,000 ($441/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,581 sq ft × $353–$411/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 15, 2026.
Keep looking
Similar homes for sale near SIENA OAKS
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $697,000Momentum Realty · on market 64 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$7,318/yr
A rough first-year estimate only, applying a typical Palm Beach rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$3k–$6k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~9 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Market data · public records
Recent sales activity in SIENA OAKS
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the SIENA OAKS neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$657,500
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$366
Canonical 12-month median $/sq ft. Reference only.
Go deeper on SIENA OAKS
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Market
Palm Beach County Total Home Sales Jump for 10th Consecutive Month
Palm Beach County total home sales rose 22.3% year-over-year in June 2026 to 2,456 transactions, with total dollar volume up 53.90% to $2.7 billion. The single-family median sale price increased to $700,000 and the condominium median rose to $325,000.
Why it matters: Rising sales volume and median prices signal strengthening demand and higher valuations across the Palm Beach County housing market. The site is about 8 miles south of Siena Oaks.
Jupiter Commission Backs Old Dixie Industrial Shift and Seaglass Condo Option
The Jupiter Planning and Zoning Commission voted 7-0 to recommend a Future Land Use Map amendment allowing two office and warehouse buildings on a 0.77-acre former Cemex site at 1666 North Old Dixie Highway. The commission also unanimously recommended letting the 23-unit Seaglass development at 105 Rich Circle be built as either rentals or for-sale condominiums, with Town Council consideration set for August 18.
Why it matters: Land use changes in Jupiter would enable commercial redevelopment of a vacant Old Dixie Highway parcel and add flexibility for a small multifamily project to deliver either rental or for-sale housing. The project is about 8 miles north of Siena Oaks, elsewhere in Palm Beach County.
The Berkeley Palm Beach Breaks Ground at 550 South Australian Avenue in West Palm Beach
The Berkeley Palm Beach broke ground on a 25-story tower with 193 condominium residences at 550 South Australian Avenue overlooking Clear Lake, developed by Al Adelson with Arquitectonica as designer. Sales have exceeded $120 million and completion is anticipated in 2029.
Why it matters: A new 25-story condominium tower adds high-end for-sale housing supply to the downtown West Palm Beach market and continues vertical development along the Clear Lake waterfront. The project is about 8 miles south of Siena Oaks, elsewhere in Palm Beach County.
Developers Plan Two 31-Story Towers for 2085 N Flagler Dr, West Palm Beach
Terra and BH Group filed plans for 281 residential condominiums across two 31-story towers on a 1.55-acre site at 2085 N Flagler Drive in West Palm Beach. The nearly 440,000-square-foot project includes about 4,385 square feet of retail and 362 parking spaces.
Why it matters: Two proposed 31-story towers would add for-sale condominium supply and ground-floor retail along the North Flagler Drive waterfront in West Palm Beach. The project is about 7 miles south of Siena Oaks, elsewhere in Palm Beach County.
Schools currently assigned to this address in Palm Beach County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
AllamandaAssigned elementary school · Palm Beach County School District · Grade A (Florida DOE 2025-26)
GRADEC
Howell L. WatkinsAssigned middle school · Palm Beach County School District · Grade C (Florida DOE 2025-26)
GRADEC
Palm Beach GardensAssigned high school · Palm Beach County School District · Grade C (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Nov 2025
$650,000
1091 Roble Way, Palm Beach Gardens
3 / 2 bd/ba · 1,581 sq ft · $411/sq ft
Courtesy of Atlantic Florida Properties Inc · View details →
Sold Feb 2026
$545,000
10148 Aspen Way, Palm Beach Gardens
3 / 2 bd/ba · 1,801 sq ft · $303/sq ft
Courtesy of Touchstone-Webb Realty Co. · View details →
Sold Jan 2026
$635,000
1095 Roble Way, Palm Beach Gardens
3 / 2 bd/ba · 1,801 sq ft · $353/sq ft
Courtesy of Keller Williams Realty Jupiter · View details →
Sold Jan 2026
$665,000
10138 Caoba Street, Palm Beach Gardens
3 / 2 bd/ba · 1,801 sq ft · $369/sq ft
Courtesy of Jupiter Lighthouse Realty Inc · View details →
Sold May 2026
$860,000
1077 Siena Oaks Circle, Palm Beach Gardens
3 / 2 bd/ba · 1,809 sq ft · $475/sq ft
Courtesy of Compass Florida LLC · View details →
Sold Jun 2026
$715,000
1049 Siena Oaks Circle, Palm Beach Gardens
3 / 2.5 bd/ba · 1,977 sq ft · $362/sq ft
Courtesy of Florida Investment Properties · View details →
Community 12-month median: $366/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$3,195 – $4,647/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.3%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,506 – −$199At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
Palm Beach Gardens
Groceries, dining, and parks for this city — see the city guide.
BeachesMLS, refreshed twice daily (last: August 15, 2026)
Community market stats
BeachesMLS closed sales, as of July 15, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of BeachesMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 1097 Roble Way in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
