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639 Masters Way, Palm Beach Gardens, FL, 33418

4beds
3baths
2,686sqft
$1,175,000
$437price/sqft
$8,808/moest. monthly cost
$352,320/yrincome needed

About This Home

Welcome to this light-filled, newly renovated 4 Bedroom, 3 Bath two-story home located within the prestigious gated community PGA National. Perfectly positioned with tranquil lake views, this residence offers the ideal blend of luxury, comfort and functionality, designed for both indoor and outdoor entertaining. The heart of the home is a commercial grade chef's kitchen featuring top of the line appliances including Wolf, Sub-Zero and additional high-end finishes. The open, airy layout flows seamlessly to a covered patio and expansive screened lanai overlooking the water - an exceptional setting for gatherings or quiet evenings at home. The first floor features a private guest suite with an ADA-compliant bathroom and the convenience of a residential elevator. Upstairs, the spacious primary suite offers a private balcony with serene lake views, along with two additional guest bedrooms. Whole house generator, Roof replaced in 2012, Exterior freshly painted in 2025, Combination impact windows and accordion shutters, Newer A/C units and hot water heater. Golf, sports and social memberships are available at PGA National Resort, but are not required, offering flexibility to suit your lifestyle.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

10/10
8/10
3/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1993

Materials

  • Roof: Barrel
  • Construction materials: Block

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Water Heater,Disposal,Gas Range,Microwave,Refrigerator,Trash Compactor,Water Heater,Washer
  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Breakfast Area,Bathtub,Cathedral Ceiling(s),Central Vacuum,Dual Sinks,Entrance Foyer,Eat-in Kitchen,Elevator,Kitchen Island,Living/Dining Room,Pantry,Soaking Tub,Separate Shower,Upper Level Primary,Vaulted Ceiling(s),Walk-In Closet(s)
  • Window features: Blinds,Drapes
  • Flooring: Ceramic Tile,Wood

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 3,575
  • Total interior livable area: 2,686 sqft

Kitchen

  • Level: Lower
  • Area: 273
  • Dimensions: 21 X 13

Living Room

  • Level: Lower
  • Area: 414
  • Dimensions: 23 X 18

Master Bedroom

  • Level: Upper
  • Area: 288
  • Dimensions: 18 X 16

Property

Details

  • Parcel number: 52424215260000320
  • Zoning: PCD(ci
  • Special condition: Listed As-Is

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Entry Level Living Area Y
  • Pool features: Association
  • Patio & porch: Covered,Patio,Screened,Balcony
  • Exterior features: Balcony,Outdoor Living Area
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front

Lot

  • Lot size: 7,595 sqft
  • Features: Sprinklers Automatic,< 1/4 Acre

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Heat Wave
Inland Flooding
Wildfire
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 $5,941$71,292
Home Insurance *$840$10,080
Property Taxes $1,757$21,084
Electricity $270$3,243
Total$8,808$105,696
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$301,988/yr
40% on housing$264,240/yr
45% on housing$234,880/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

$437This listing

vs Other Active Listings

Avg $/sqft

ZIP 33418$420
Palm Beach County$444

vs Homes Sold Last Month

Median $/sqft

ZIP 33418$443
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)

Price History

DateEventPrice
2026-02-26Listed for sale$1,175,000
2026-02-01Listing removed$1,190,000
2026-01-25Price change$1,190,000
2025-12-05Price change$1,249,999
2025-10-03Listed for sale$1,299,000
2022-12-01Sold$710,000
2022-11-08Pending sale$750,000
2022-11-08Contingent$750,000
2022-09-30Price change$750,000
2022-09-06Price change$775,000
2022-09-02Listed for sale$815,000
2022-08-29Pending sale$815,000
2022-08-29Contingent$815,000
2022-08-24Listed for sale$815,000

For Sale by Agent

AgentJoanne Cerreta
BrokerageNicklaus Vance

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