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102 Reef Rd, Palm Beach, FL, 33480

6beds
10baths
8,259sqft
$89,000,000
$10,776price/sqft
$584,403/moest. monthly cost
$23,376,120/yrincome needed

About This Home

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 with beautiful, wide beaches.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

8/10
Palm Beach Public SchoolGrades PK-54.0 mi
3/10
Conniston Middle SchoolGrades 6-86.1 mi
2/10

Construction

Condition

  • Year built: 2014

Materials

  • Roof: Slate
  • Construction materials: Block,Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Refrigerator,Freezer,Dishwasher,Microwave,Disposal,Washer,Dryer

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 10
  • Full bathrooms: 7
  • 1/2 bathrooms: 3

Features

  • Wet Bar
  • Window features: Other
  • Flooring: Hardwood

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 11,100
  • Total interior livable area: 8,259 sqft

Property

Details

  • Parcel number: 50434234080000050
  • Zoning: R-B - Low Density Residential

Features

  • Levels: Two
  • Private pool: Yes
  • Patio & porch: Patio
  • Exterior features: Balcony
  • On waterfront: Yes
  • Waterfront features: Ocean-Across Street

Lot

  • Lot size: 0.82 Acres
  • Features: Corner Lot
  • Lot size dimensions: Irregular

Parking

  • Parking features: Detached
  • Has garage: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Heat Wave
Inland Flooding
Lightning
Tsunami

FEMA Declared Disasters in Palm Beach County and Florida

Flood
Hurricane
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $450,032$5,400,384
Home Insurance *$26,348$316,176
Property Taxes $107,192$1,286,304
Electricity $831$9,974
Total$584,403$7,012,836
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$20,036,674/yr
40% on housing$17,532,090/yr
45% on housing$15,584,080/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.3%
13.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.0%
4.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$10,776This listing

vs Other Active Listings

Avg $/sqft

ZIP 33480$1,898
Palm Beach County$440

vs Homes Sold Last Month

Median $/sqft

ZIP 33480$3,044
Palm Beach County$365

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2025-10-27Listed for sale$89,000,000

For Sale by Agent

AgentCHRISTIAN J ANGLE
BrokerageChristian Angle Real Estate

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