111 Lake Monterey Circle, Boynton Beach, FL 33426
Sources: BeachesMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
111 Lake Monterey Circle in Monterey Bay Pud, Boynton Beach is listed at $410,000 (1,523 sq ft, about $269 per sq ft). That is 22% above Monterey Bay Pud's median closed sale of $335,000 over the last 12 months (7 recorded sales). Per square foot it is above the community's recent $226/sq ft by about 19%. It came to market within the past week. Listing facts: built in 2006, waterfront, HOA dues of $435/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- Built 2006 · 20 yrs
- 1,523 sq ft of living area
- Listed at $410,000 — recent neighborhood median sale price ~$335,000 (nearby sales; deemed reliable, not an appraisal)
- New to market
- HOA $435/mo (per listing)
About this home
Welcome to Monterey, a desirable gated community in the heart of Boynton Beach! This beautifully renovated townhouse has undergone a stunning transformation, featuring redesigned spaces and a completely updated coastal-inspired interior. From the moment you enter, you'll appreciate the fresh, contemporary feel with neutral color palette and flooring, charming shiplap accents, newly painted walls, ceilings, doors, and baseboards (2026), updated hardware and fixtures throughout and stylish finishing touches.
Major improvements include a NEW METAL ROOF (2025) with an estimated 50-year lifespan, a new hurricane-impact front door and back sliding glass door (2025), solar-tinted windows (2024), downstairs windows have hurricane panel shutters and 2nd floor features all impact windows providing peace of mind to this home's new owner. The showstopping kitchen was completely reimagined in 2025 with an opened-up layout, expanded cabinetry, stunning quartz countertops with a waterfall edge, designer backsplash, and extended seating for three. A uniquely curated custom wine and coffee bar adjacent to the kitchen and dining space features upper and lower cabinetry, a built-in wine cooler, and a convenient walk-through pantry, unlike any other residence in Monterey.
Additional kitchen upgrades include a new sink, faucet, disposal, dishwasher, modern appliances and custom beneath counter shiplap detailing. All three bathrooms have been tastefully updated. The primary suite features a beautifully renovated bathroom with new tile flooring, modern vanity, electric mirror, sink, toilet and updated fixtures (2025).
The guest bathroom was completely remodeled in 2026 with a new tub, floor-to-ceiling shower-area tile, new flooring, vanity, toilet, and electric mirror. The downstairs powder room also features all new upgrades any buyer will LOVE! The home's storage space has been thoughtfully appointed with a redesigned primary closet, custom closet systems in both the second and third bedrooms, as well as a clever walk-in pantry beneath the staircase, complete with a concealed swinging cabinet door.
Additional highlights include all new vents, electrical outlets and switches, ceiling fans, and washer (2025). Step outside to your private, fenced backyard overlooking lush green space and lake, featuring newly refreshed pavers and a sleek new black metal fence. This inviting outdoor space is perfect for relaxing or entertaining, all while being just steps away from the community pool.
With all major improvements newly completed, contemporary finishes, and extensive upgrades throughout, this is a rare opportunity to enjoy a fully turnkey new place to call home. Now, let's talk location! Discover the perfect blend of modern living, convenience, and South Florida lifestyle in Monterey, ideally situated in Boynton Beach, just minutes from vibrant Downtown Delray Beach and within easy reach of West Palm Beach.
Residents enjoy a beautifully maintained community featuring a resort-style swimming pool with sundeck, relaxing cabanas, and a playground. Enjoy being 5 minutes from Delray Beach's famous Atlantic Avenue, known for its award-winning restaurants, boutique shopping, lively entertainment, and beautiful beaches. Just a short drive north, West Palm Beach continues to thrive with exciting new developments, luxury residences, upscale dining, and shopping destinations like CityPlace (formerly Rosemary Square) and the emerging NORA District.
Explore cultural attractions including the Norton Museum of Art and Kravis Center for the Performing Arts, or enjoy welcoming destinations such as the Palm Beach Zoo, Cox Science Center & Aquarium, Mounts Botanical Garden, and Okeeheelee Nature Center.. The location also offers access to major highways including I-95 and FL Turnpike, making it easy to get to other nearby cities like Boca Raton and Fort Lauderdale. Appreciate being close to both Palm Beach International Airport and Fort Lauderdale-Hollywood International …
All 65 photos
Description provided by EXP Realty LLC and reproduced from the MLS; not independently verified.
Provided via the BeachesMLS Internet Data Exchange · All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
Strong local evidence — built from 12 comparable closed sales in MONTEREY BAY PUD (same property type, closed within the last 18 months, each adjusted to today's market); a local size, age, bed and bath model fit on 60 nearby closed sales.
Track record: across 2,806 recent closed sales we scored, the closed price landed inside the Messtimate range 66% of the time; median miss 8.9% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-11-06.
Actual list price: $410,000 ($269/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 18% spread on the same house — here is what a model can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures.
- The lot — this listing is waterfront; water frontage is priced far off nearby averages.
- Carrying costs & concessions — this home carries HOA dues of $435/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- This home: listed Nov 5, 2026 on market vs. a 34-day community median
- 3 active listings competing
- 6 closed here in the last 12 months
Selling your own home? Try the Messtimate on your address →
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (12) + a local hedonic fit (60 sales); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated November 6, 2026.
Comparable recent sales
6 closed sales in MONTEREY BAY PUD in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $335,000 ($226/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $2,222/mo 66%
- Taxes $562/mo 17%
- Insurance $165/mo 5%
- HOA $435/mo 13%
$3,384/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), BeachesMLS; millage: Palm Beach County Property Appraiser tax roll page (rate tables); Florida TaxWatch 2025 county average. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 111 Lake Monterey Circle
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $5,225/yr (certified county roll, taxable value × millage). Buy at the asking price of $410,000 and the first-year bill resets to about $6,750/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 18.72 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | $435/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| Home and flood insurance | The average Citizens Property Insurance premium in Palm Beach County is $1,753/yr (18,387 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,500–$3,000/yr; neither is a quote. |
| Roof and age | Built in 2006. An original roof would be about 20 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Estimated carrying cost at the asking price, before the mortgage: about $1,144/month (tax $562, HOA $435, insurance $146). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Palm Beach County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Natural hazard risk
FEMA National Risk Index for Palm Beach County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the MONTEREY BAY PUD market
How this home is priced against recent nearby sales, and where MONTEREY BAY PUD 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.
Price vs. size in MONTEREY BAY PUD
Each dot is a closed sale since 2001 (271 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). BeachesMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $269/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 25 (cold).
This home’s history
- 2006BuiltPer public record
- About Nov 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Nov 5, 2026)
- Nov 5, 2026First seen on our siteObserved at $410,000
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
Price & listing history
Building permits
Momentum Property Score
45/100 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.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟠 Seller-leaning conditions around this listing. 6.0 months of supply in the surrounding market and 1 days on market for this home, against a 34-day area median.Days on market:this home 1Area median: 34 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc. As of August 10, 2026.
🟡 Asking $269 per square foot, about 19% above the community’s $226 median. MONTEREY BAY PUD’s 12-month median sold price per square foot is $226. Median sold price per square foot is down 9.5% year over year. Confidence: Low · 7 closed sales in 12 monthsMLS facts: BeachesMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent MONTEREY BAY PUD sales closed near 95.7% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of BeachesMLS records, community-level, 12 months ending August 10, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS November 6, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 111 Lake Monterey Circle?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by EXP Realty LLC · MLS # B26096393
Request a showing
Similar homes for sale near MONTEREY BAY PUD
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.
Newest listings in Boynton Beach
- 9284 Silver Shores Lane, Boynton Beach · $989,000 · 2 bd / 2.0 ba · listed November 6, 2026 (courtesy of Keyes Company)
- 2515 NE 1st Court #4030, Boynton Beach · $98,000 · 1 bd / 1.5 ba · listed November 5, 2026 (courtesy of Sandals Realty Group, Inc.)
- 2615 NE 1st Court #307, Boynton Beach · $110,000 · 1 bd / 1.5 ba · listed November 5, 2026 (courtesy of United Realty Group Inc.)
- 5 Knightsbridge Lane, Boynton Beach · $329,900 · 3 bd / 2.0 ba · listed November 5, 2026 (courtesy of RE/MAX Direct)
- 143 Tara Lakes Drive, Boynton Beach · $470,000 · 3 bd / 2.0 ba · listed November 5, 2026 (courtesy of KW Reserve Palm Beach)
- 3681 Potomac Place, Boynton Beach · $799,000 · 4 bd / 2.5 ba · listed November 5, 2026 (courtesy of ShopProp Inc)
Recently off market in MONTEREY BAY PUD
- 301 Lake Monterey Circle · last listed $339,000 · 2026-10-06
- 286 Lake Monterey Circle · last listed $330,000 · 2026-09-10
- 178 Lake Monterey Circle · last listed $310,000 · 2026-09-10
- 151 Lake Monterey Circle · last listed $343,500 · 2026-09-10
- 136 Monterey Bay Drive · 2026-09-10
- 128 Lake Monterey Circle · last listed $375,000 · 2026-09-10
Every home on Lake Monterey Circle: what is for sale, what sold and when, the homes and the communities along it.
Just listed: new homes for sale in Southeast Florida in the last 48 hours · updated hourly · RSS · Southeast Florida market today: new listings, price cuts, pendings
More on MONTEREY BAY PUD
Go deeper on MONTEREY BAY PUD
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.
Assigned schools
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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →What homes sell for in 33426 — recent sale prices by community.
View →Median price, days on market and supply from MLS data.
View →Buyer research checklist
Items worth confirming for 111 Lake Monterey Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2006 (20 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- HOA dues are listed at $435/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Palm Beach County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 1,523 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $6,750/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,525 more per year than the current owner’s estimated bill (+29%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | BeachesMLS, checked against the MLS hourly (last: November 6, 2026) |
| Comparable sales | BeachesMLS closed sales in MONTEREY BAY PUD, last 18 months, as of August 10, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| 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.
Frequently asked questions
How big is 111 Lake Monterey Circle and when was it built?
Per the listing record, 111 Lake Monterey Circle was built in 2006 and has 1,523 sq ft of living area, 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 111 Lake Monterey Circle in?
111 Lake Monterey Circle is in Monterey Bay Pud in Boynton Beach, Palm Beach County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 111 Lake Monterey Circle have an HOA, and how much are the dues?
The listing reports HOA dues of $435 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 111 Lake Monterey Circle differ from the current owner's?
The estimate on this page (about $6,750 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,525 more per year than the current owner’s estimated bill (+29%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 111 Lake Monterey Circle in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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.
See 111 Lake Monterey Circle 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.
Momentum Realty · licensed in FL & GA
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 jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the BeachesMLS Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: BeachesMLS, Inc.. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.
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.