12864 S Shore Drive, Palm Beach Gardens FL 33410, PALM BEACH GARDENS, FL, 33410
Active91 days on marketListed May 8, 2026MLS #B26025958
About this home
12864 S Shore Drive, Palm Beach Gardens FL 33410
Wake up to breathtaking sunrises over wide Intracoastal views from this rare no-wake waterfront estate offering direct ocean access with no fixed bridges, just minutes from the Palm Beach Inlet. With no HOA and coveted eastern exposure, enjoy peaceful mornings, cool afternoon breezes, and protected deep-water dockage accommodating multiple vessels right from your backyard. Designed for both everyday living and effortless entertaining, the home offers over 5,000 square feet, five private ensuite bedrooms, soaring ceilings, and a waterfront office. Recent improvements include a new copper-detailed roof, refreshed hardscaping, and an oversized 3-car garage with lifts—creating a rare combination of privacy, protected dockage, and premier waterfront living.
Facts & features
The home at a glance
0.37 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$45,861 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$45,861/mo
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 Intracoastal Park
Get to know Palm Beach Gardens. See the full Palm Beach Gardens guide →
Intracoastal Park — neighborhood snapshot
Population
956
Median age
47
Median income
$250,001
Median home value
$1,822,900
Avg household
2
Households w/ children
207
For the school run
Palm Beach County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Beach Gardens market
$415K → $986K
Palm Beach Gardens median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
Median sold price, Palm Beach Gardens, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2062% above the PALM BEACH GARDENS 33410 median. See the full Palm Beach Gardens market guide →
Paper trail
This home's history
Reality check
What actually sold near 12864 S Shore Drive
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$5,500,000
12940 N Shore Drive, Palm Beach Gardens FL 33410 · same community
0 bd · 0 ba · 0 sqft · 0 DOM
Sold · Jan ’26$4,330,000
12861 Inshore Drive, Palm Beach Gardens FL 33410 · same community
6 bd · 4.5 ba · 4,271 sqft · $1,014/sqft · 64 DOM
Sold · Sep ’25$4,200,000
12891 Inshore Drive, Palm Beach Gardens FL 33410 · same community
4 bd · 4.5 ba · 4,738 sqft · $886/sqft · 80 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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.
Your agent
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12864 S Shore Drive — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12864 S Shore Drive — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12864 S Shore Drive FAQs
What would the monthly payment be for 12864 S Shore Drive, Palm Beach Gardens FL 33410?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $45,861/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 12864 S Shore Drive, Palm Beach Gardens FL 33410?+
The most recent tax bill on record (2025) was $84,425. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Beach Gardens?+
At $6,700,000, this home is listed about 666% above the Palm Beach Gardens median of $874,995. The market section on this page shows how the area is trending.
Which schools are assigned to 12864 S Shore Drive, Palm Beach Gardens FL 33410?+
Dwight D. Eisenhower K-8 (elementary), William T. Dwyer High School (high), Howell L. Watkins Middle School (middle), 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
$6,700,000 runs 2062% above the PALM BEACH GARDENS 33410 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Dwight D. Eisenhower K-8, William T. Dwyer High School, Howell L. Watkins Middle School, Glades Construction Academy At West Technical — William T. Dwyer High School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $7,250,000, now $6,700,000 — a $550K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
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 Miami Association of REALTORS®.
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