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10866 Cambay Cir, Boynton Beach, FL, 33437

3beds
3baths
2,054sqft
$649,900
$316price/sqft
$5,104/moest. monthly cost
$204,160/yrincome needed

About This Home

Stunning Turn-Key Home with Premium Upgrades in Indian Wells! Welcome home to 10866 Cambay Circle, located in the highly desirable, all-age community of Indian Wells in the heart of Boynton Beach. This exceptional 3-bedroom, 3-bathroom residence offers the ultimate peace of mind and luxury living, featuring modern updates and complete structural protection. While we are selling By Owner, buyer's commission is negotiable! Step inside to a beautifully bright layout that seamlessly connects the living spaces. The heart of the home features a fully updated kitchen, boasting thoughtful finishes and modern appliances perfect for entertaining. Every bathroom has been updated with stylish vanities, custom tile work, and high-quality fixtures. Major improvements have already been completed for you: New Roof: replaced, offering years of worry-free protection and lowering your insurance premiums. Complete Impact Windows: Full impact-resistant windows installed throughout the home for ultimate storm safety, noise reduction, and energy efficiency. Premium Living Space: Enjoy 2,054 square feet of pristine livable area under a rare and highly sought-after 2-story CBS layout with updated features. The exterior offers a spacious, fully fenced yard with a screened patio area—perfect for morning coffee or hosting weekend barbecues. Situated in a peaceful enclave with a low monthly HOA fee, you are just minutes away from houses of worship, local shopping, dining, top-rated schools, major highways (I-95 and the Turnpike), and a short 15 minute drive to pristine ocean beaches. Don’t miss the opportunity to own a fully updated, storm-ready piece of paradise!

Getting Around

16
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

5/10
10/10
3/10

Construction

Condition

  • Year built: 1991

Materials

  • Roof: Asphalt
  • Construction materials: Wood

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Garbage disposal,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Other,Carpet,Laminate

Heating & Cooling

  • Heating features: Forced air,Electric
  • Cooling features: Central

Interior Area

  • Total interior livable area: 2,054 sqft

Property

Details

  • Parcel number: 00424527020110020

Features

  • Exterior features: Stucco

Lot

  • Lot size: 7,797 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached

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

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Heat Wave
    Heat WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Heat Wave
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 $3,286$39,432
Home Insurance *$572$6,864
Property Taxes $1,040$12,480
Electricity $206$2,480
Total$5,104$61,248
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$174,994/yr
40% on housing$153,120/yr
45% on housing$136,106/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

$316This listing

vs Other Active Listings

Avg $/sqft

ZIP 33437$172
Palm Beach County$444

vs Homes Sold Last Month

Median $/sqft

ZIP 33437$245
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
2026-08-13Price change$639,900
2026-07-19Listed for sale$649,900
2015-07-29Listing removed$260,000
2015-07-22Pending sale$260,000
2015-06-09Sold$245,000
2015-05-06Listed for sale$260,000
2015-03-31Listing removed$260,000
2015-03-19Listed for sale$260,000
2001-08-03Sold$157,000

For Sale by Owner

AgentProperty Owner

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