John Carpenter
$3,999,9994 bd4.5 ba4,044 sqft$989 /sqft$27,004 /mo all-in ↓

785 HARBOUR ISLE PLACE, NORTH PALM BEACH, FL, 33410

Active32 days on marketListed Jul 18, 2026MLS #TB8525793

WaterfrontPrivate poolSingle Family ResidenceHARBOUR ISLES

About this home

785 HARBOUR ISLE PLACE

Welcome to this extraordinary waterfront estate in Harbour Isles, one of North Palm Beach's most prestigious gated boating communities. This exceptional 4-bedroom, 4.5-bath residence also features a private executive office, an oversized 3-car garage, a resort-style pool with a spillover spa, and a private boat lift with approximately 90 feet of waterfront. Offering direct ocean access with no fixed bridges and an unmatched North Palm Beach waterfront lifestyle, this exceptional property places you just minutes from PGA Boulevard, world-class private clubs, fine dining, upscale shopping, and pristine beaches—where every day feels like a permanent vacation. A stunning first impression begins with timeless Mediterranean architecture, towering Royal Palms, lush tropical landscaping, and a grand columned entrance. An expansive paver driveway leads to the oversized 3-car garage, while elegant double doors welcome you into a dramatic foyer featuring soaring ceilings, stately columns, rich natural stone flooring, and walls of glass that immediately draw your eyes to the sparkling pool and tranquil waterfront beyond. Designed to blur the line between indoor elegance and outdoor beauty, the home is filled with natural light and breathtaking views at every turn. Created for both unforgettable entertaining and relaxed everyday living, the thoughtfully designed floor plan seamlessly connects the formal living room, spacious family room, and gourmet chef's kitchen. Custom wood cabinetry, premium granite countertops, an oversized center island, and generous gathering spaces create the perfect setting for everything from intimate family dinners to elegant waterfront celebrations, all while keeping the shimmering water as the centerpiece of the home. The private living quarters offer exceptional comfort and privacy. Each guest suite features hardwood flooring, soaring ceilings, abundant natural light, and its own en-suite bathroom. A distinguished executive office with coffered ceilings provides an inspiring workspace, while the impressive primary suite is privately tucked away as a true owner's retreat, complete with an expansive walk-in closet and a spa-inspired bath featuring dual vanities, a soaking tub, and an oversized walk-in shower. Step outside into your own private waterfront oasis. Surrounded by lush greenery, the sparkling pool, elevated spill-over spa, expansive patio, and covered summer kitchen create the ultimate backdrop for sunset dinners, weekend gatherings, or peaceful mornings overlooking the water. Your private dock and boat lift provide effortless direct ocean access with no fixed bridges, making spontaneous days on the water part of everyday life. Whether you envision enjoying this beautifully maintained estate for years to come or transforming it into a breathtaking contemporary showpiece, opportunities like this are incredibly rare. With direct ocean access, approximately 90 feet of waterfront, and a coveted Harbour Isles address, this is a property where lifestyle, prestige, and long-term value come together.

Facts & features

The home at a glance

4

Bedrooms

4.5

Bathrooms

4,044

Sqft

0.26 ac

Lot size

3

Garage

2001

Year built

One

Levels

$989

Per sqft

Private poolWaterfrontNegotiablePets allowed

Inside

FlooringTile · Travertine · Hardwood
AppliancesOther
InteriorOther
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofTile
ConstructionBlock · Concrete · Stucco
FoundationSlab
FacesSoutheast
ExteriorOther

Community & fees

HOA fee$767/mo
Taxes (2025)$35,917/yr
PetsYes

Utilities & systems

UtilitiesOther
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$27,004 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$21,584
PMI (est., until 20% equity)$1,500
Property tax — 2025 actual bill$2,993
HOA fee — from the listing$767
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $400,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $400,000
Interest rate6.00%
Loan term

Estimated payment

$27,004/mo

Principal & interest$21,584
PMI (est., until 20% equity)$1,500
Property taxes (actual bill)$2,993
HOA / condo fee$767
Est. insurance$160

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.

Where it sits

Inside Harbour Isles

Map of 785 HARBOUR ISLE PLACE inside its neighborhood boundary

Get to know North Palm Beach. See the full North Palm Beach guide →

Harbour Isles — neighborhood snapshot

Population

218

Median age

50

Median income

$115,687

Median home value

$660,600

Avg household

2

Households w/ children

19%

For the school run

Palm Beach County School District

ElementaryAllamanda Elementary School★★★★
MiddleHowell L. Watkins Middle School★★★★
HighPalm Beach Gardens High School★★★★★
HighGlades Construction Academy At West Technical

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The North Palm Beach market

Seller’s marketLeans buyer21.4 months of inventoryBuyer’s market

$415K$730K

North Palm Beach median sold, yr/yr

96.5%

Sale-to-list ratio (12 mo)

Median sold price, North Palm Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 1190% above the NORTH PALM BEACH 33410 median. See the full North Palm Beach market guide →

Paper trail

This home's history

Jul 18, 2026Listed at $3,999,999 · 32 days on market since
2001Built · HARBOUR ISLES

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.

John Carpenter

Your agent

John Carpenter

CFO/Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 785 HARBOUR ISLE PLACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 785 HARBOUR ISLE PLACE — before you fall in love.

See it in person

Schedule a tour

Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

785 HARBOUR ISLE PLACE FAQs

What would the monthly payment be for 785 HARBOUR ISLE PLACE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $27,004/mo — principal and interest, the actual property-tax bill, the $767/mo association fee 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.

How much are the HOA fees at 785 HARBOUR ISLE PLACE?+

The association fee works out to $767 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 785 HARBOUR ISLE PLACE?+

The most recent tax bill on record (2025) was $35,917. 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 785 HARBOUR ISLE PLACE?+

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 North Palm Beach?+

At $3,999,999, this home is listed about 702% above the North Palm Beach median of $499,000. The market section on this page shows how the area is trending.

Which schools are assigned to 785 HARBOUR ISLE PLACE?+

Allamanda Elementary School (elementary), Howell L. Watkins Middle School (middle), Palm Beach Gardens 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

Four things that matter here

01Positioned at the premium end

$3,999,999 runs 1190% above the NORTH PALM BEACH 33410 median — but at 4,044 sqft it's also nearly 3 times the size of the typical North 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.

03Know the monthly fee

The association fee is $767/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.

04Strong assigned schools

Allamanda Elementary School, Howell L. Watkins Middle School, Palm Beach Gardens High School, Glades Construction Academy At West Technical — Allamanda Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of RICHARD PETERS REALTY LLC · Ronald Ryder. MLS #TB8525793.

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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