Location: Stoneridge Lake Estates
Price: $1,075,000
Beds/Baths: 5BR / 2.5BA
Square Footage: 2,465 sq ft living | 11,050 sq ft lot
Style: One story detached home
HOA: $315/month
Flood Zone: AE, X (verify flood insurance requirements)
Year Built: 1997
Disclosure: This is not my listing. This analysis is for educational purposes to help buyers understand market value and property features in Stoneridge Lake Estates.
Listing and Photo Courtesy of The Keyes Company
WHY THIS ONE CAUGHT MY ATTENTION
If you've been searching for lakefront homes in Pembroke Pines, you know that waterfront properties with 100 feet of lake frontage, completely updated systems, and resort style backyards typically start at $1.3M–$1.5M in communities like Pembroke Falls and Silver Lakes.
This Stoneridge Lake Estates home at $1,075,000 delivers authentic lakefront living, wide lake views, sunrise exposure, saltwater pool, outdoor kitchen, and every major system already replaced, without pushing into the $1.3M+ bracket where buyer traffic thins significantly.
What makes it notable:
100 feet of direct lake frontage (eastern exposure with sunrise views)
Every major system replaced (roof 2022, AC 2025, water heater 2024)
Impact windows and doors throughout (full hurricane protection, $30K–$50K expense already handled)
Completely renovated kitchen and bathrooms (2022 updates)
Resort style backyard (saltwater pool, outdoor summer kitchen, tiki hut, pergola extension)
5 bedrooms, 2.5 baths, single story (split floor plan, 12 foot ceilings)
Oversized lot (11,050 sq ft vs. typical 7,000–8,000 sq ft)
Low HOA ($315/month for gated community)
Most lakefront homes in Pembroke Pines at this price point either need major system replacements, lack full impact protection, or don't offer this level of outdoor living space. This one is truly turn key.
WHAT WORKS
1. 100 Feet of Direct Lake Frontage with Eastern Exposure
Why this matters:
Wide, unobstructed lake views (not a canal or narrow waterway, this is a real lake)
Eastern exposure = sunrise over the water (morning coffee with stunning views)
Natural privacy buffer (no neighbors directly behind you, just water and sky)
Immediate water access (walk straight from your backyard to the lake)
Translation: Not all "waterfront" in Pembroke Pines feels equal. Some properties back to narrow canals or retention ponds with limited views. This is 100 feet of wide open lake frontage with sunrise exposure, the premium positioning within waterfront inventory.
Market context: Lakefront homes with this level of view and exposure typically command 15–25% premiums over interior lots. In communities like Pembroke Falls and Silver Lakes, comparable lakefront properties are listing at $1.3M–$1.5M+.
2. Every Major System Already Replaced (Turn Key Ready)
This is the critical differentiator at this price point.
The listing specifically highlights:
New roof (October 2022) – Flat tile roof professionally installed, 20–30 years of life remaining
New AC system (May 2025) – Brand new HVAC, under warranty, 12–15 years expected life
New water heater (April 2024) – Recently replaced, 10+ years of life remaining
Impact windows and doors throughout – Full hurricane protection on every opening
Renovated kitchen and bathrooms (2022) – Modern finishes, updated plumbing and electrical
Analysis:
Let's break down what these upgrades would cost if you had to do them yourself:
Roof replacement (flat tile, 2,465 sq ft home): $18K–$25K
AC system replacement: $10K–$15K
Water heater: $1,500–$3,000
Impact windows and doors (entire home): $30K–$50K
Kitchen renovation: $20K–$40K
Bathroom renovations (2.5 baths): $15K–$30K
Total savings: $95K–$163K in deferred maintenance and upgrades already handled.
Translation: You're not buying a lakefront fixer upper. You're buying a fully updated, move in ready home where the seller has already invested six figures into making it perfect. This matters enormously at the $1M+ price point buyers expect turn key, and this delivers.
3. Full Impact Windows and Doors Throughout
Why this is a standout feature:
Complete hurricane protection on every window and door
Energy efficiency (reduced cooling costs year round)
Noise reduction (quieter interior living)
Insurance discounts (most carriers offer 15–20% reductions)
Peace of mind during hurricane season
Market impact: Post recent storms, full impact protection is no longer optional for buyers at this price point. Homes without it face insurance challenges, higher premiums, and slower sales. This home checks the box completely.
Cost savings: Installing impact windows and doors on a 2,465 sq ft lakefront home with sliding glass lake facing doors costs $30K–$50K. It's done. You save money and gain immediate insurability.
4. Renovated Kitchen and Bathrooms (2022)
Kitchen updates include:
Modern finishes and fixtures
Updated appliances (dishwasher, microwave, refrigerator included)
Recessed lighting throughout
Contemporary design that complements 12 foot ceilings
Bathroom renovations:
All 2.5 bathrooms updated (2022)
Modern tile, vanities, fixtures
Primary bathroom en suite
Translation: These are the highest ROI rooms for resale. The seller already invested $35K–$70K updating them. You move in and enjoy with no immediate renovation projects required.
5. Resort Style Backyard Built for South Florida Living
This is where the property truly shines.
The outdoor space includes:
15x30 saltwater pool (lower maintenance, gentler on skin and eyes than chlorine)
Outdoor summer kitchen (built in BBQ, prep area for lakefront entertaining)
Tiki hut with synthetic roof (2024) – Fireproof, waterproof, wind code compliant (no more palm frond maintenance)
Pergola extension (2015) – Added living space for covered outdoor dining and lounging
Spacious paver patio – Extends entertaining area around pool
Direct lake access – 100 feet of lakefront views from every outdoor space
Translation: This isn't just a pool in a yard. This is a thoughtfully designed outdoor living retreat with cooking, dining, swimming, and lounging zones, all overlooking wide lake views. You could host 50 people comfortably.
Market impact: Outdoor kitchens, saltwater pools, and professionally designed patios add 5–10% to property values in South Florida. Buyers at this price point expect resort style backyards, and this delivers at a level typically seen in $1.3M+ homes.
6. Functional 5-Bedroom Split Floor Plan (Single Story)
Layout highlights:
5 bedrooms (flexible for large families, home office, gym, guest rooms)
2.5 bathrooms (adequate for family living)
Split bedroom floor plan (primary suite on one side, secondary bedrooms on the other, privacy and noise separation)
12-foot ceilings (creates open, spacious feel throughout)
One story (no stairs, easier aging in place, better accessibility)
Custom walk-in closet (converted from adjacent room, massive primary storage)
Additional features:
Family room
Breakfast area
Dining/living room
Eat-in kitchen
Pantry
Walk-in closets throughout
Translation: This is practical luxury. Not wasted square footage, but thoughtfully designed spaces that families actually use. The custom walk-in closet conversion is a smart use of space that buyers in this price range appreciate.
7. Oversized Lot (11,050 sq ft)
Why this matters:
Larger than typical Pembroke Pines lots (most are 7,000–8,000 sq ft)
More outdoor living space (room for pool, patio, summer kitchen, and still have yard)
Privacy from neighbors (wider setbacks)
Better lakefront positioning (more waterfront footage)
Market comparison: In gated communities like Pembroke Falls, lots this size command premiums of 3–5% over standard lots.
8. Low HOA Fee for a Gated Community
$315/month
What's included:
Gated community access
Community management and maintenance
Common area upkeep
Market comparison: This is exceptionally low for a gated lakefront community. Comparable communities charge $375–$480/month. You're saving $60–$165/month ($720–$1,980 annually) compared to similar neighborhoods.
Translation: More money stays in your pocket for property maintenance, upgrades, or savings.
9. School Zoning
Current school assignments:
Hawkes Bluff Elementary
Silver Trail Middle
West Broward High
Note: School boundaries and ratings are subject to change. Always verify current zoning and school assignments directly with the Broward County School Board before making purchasing decisions.
Location advantages:
Minutes to I-75 and Pines Boulevard
Close to Pembroke Lakes Mall, shopping, dining
Easy access to Fort Lauderdale, Miami, and major employment centers
Established neighborhood with mature landscaping
CONSIDERATIONS
1. Built in 1997 (29 Years Old), But Fully Updated
The good news: Every major system has been replaced or renovated within the last 2–4 years.
What's been done:
Roof (2022)
AC (2025)
Water heater (2024)
Kitchen (2022)
Bathrooms (2022)
Tiki hut roof (2024)
What buyers should still verify during inspection:
Pool equipment age and condition (pumps, filters, heaters typically last 8–12 years)
Plumbing condition (verify no issues with drain lines or water pressure)
Electrical panel capacity (verify adequate for modern appliances and systems)
Foundation and structural integrity (standard for homes this age)
Translation: While the home was built in 1997, it's been comprehensively updated to 2022–2025 standards. You're essentially getting a "new" home in terms of systems and finishes, with the benefit of an established neighborhood and mature landscaping.
2. Flood Zone AE and X
What this means:
Property sits partially in Zone AE (typically requires flood insurance if financing)
Partially in Zone X (does not require flood insurance)
Annual flood insurance could add $800–$2,000+ to your costs (sometimes more for lakefront properties)
Action items:
Get a flood insurance quote BEFORE making an offer
Verify exact flood zone designation and Base Flood Elevation (BFE) with your lender and insurance agent
Ask listing agent if seller has current flood insurance policy (may be assumable or provide quote baseline)
Consider elevation certificate to potentially reduce flood insurance costs
Affordability impact: For lakefront properties in Zone AE, flood insurance is a significant cost factor. Don't skip this step, it could add $100–$250/month to your payment.
3. Seller Requests 60-Day Closing
Listing notes: "Seller requests a 60-day closing."
What this means:
Seller needs more time to prepare for move out (could indicate they're purchasing another property, coordinating relocation, or need extended transition period)
Not necessarily a red flag, often indicates orderly transition rather than distress sale
Buyers should be prepared to accommodate this timeline or negotiate
Buyer perspective: If you're flexible on timing, this could work in your favor during negotiations. If you need to close quickly, discuss with your agent whether seller would accept shorter timeframe with concessions.
4. Property Taxes with Homestead Exemption
Current taxes: $6,937 annually (2025)
Tax status: Reflects homestead exemption (seller is Florida resident)
If you're a Florida resident purchasing as primary residence:
You can transfer or reapply for homestead exemption, keeping taxes in this range: approximately $578/month.
If this is a second home or investment property:
Expect taxes to increase to approximately $10,000–$12,000 annually ($833–$1,000/month) without homestead exemption.
5. $60,000 Existing Mortgage
Listing notes total mortgage of $60,000.
What this means:
Seller has very low remaining debt (home is nearly paid off)
Not a short sale or distressed property
Seller has equity and flexibility in negotiations
Buyer perspective: This is a positive signal. Sellers with minimal debt are typically less motivated by desperation and more focused on finding the right buyer and terms. It also confirms this isn't a distressed sale.
MARKET ANALYSIS
Recent Comparable Sales in Pembroke Pines Lakefront Homes (Similar Size and Features):
Lakefront homes 2,400–2,600 sq ft: $950K–$1.2M (depending on updates and location)
Homes with full impact protection + new roof + new AC: Selling at higher end of range ($1.1M–$1.3M)
Resort-style backyards (outdoor kitchens, saltwater pools, entertainment areas): Command 5–10% premiums
Oversized lots (10,000+ sq ft): Typically add 3–5% to value
Fully updated kitchens and bathrooms: Selling faster and at or above asking
This Property's Position at $1,075,000:
At $436/sq ft, pricing is competitive for fully updated lakefront homes in gated communities
Comparable lakefront homes in Pembroke Falls and Silver Lakes are listing at $1.3M–$1.5M+
This represents 15–25% discount compared to premium gated lakefront communities
Stoneridge Lake Estates offers similar quality and amenities at lower price point
With full updates and resort style backyard, this could easily support $1.15M–$1.25M valuation
Market observation: The $1M–$1.3M bracket in Pembroke Pines sees steady buyer traffic. Above $1.3M, activity slows significantly. This property is positioned perfectly, delivering luxury lakefront living without pushing into the slower-moving premium tier.
AFFORDABILITY ANALYSIS
Purchase Price: $1,075,000
Down Payment (20%): $215,000
Loan Amount: $860,000
Interest Rate: 6.22% (current average 30-year fixed)
Estimated Monthly Payment Breakdown:
Principal & Interest: $5,280
Property Taxes (with homestead): $578 ($6,937 annually)
Homeowners Insurance: $700–$900 (Florida rates, includes wind/hurricane)
Flood Insurance: $1,000–$2,500 (likely required for Zone AE lakefront financing—GET A QUOTE)
HOA: $315
Total Monthly Cost: $7,873–$9,573
Income requirement (28% front-end ratio): $337,000–$410,000 annual household income
Income requirement (conservative 25% ratio): $377,000–$459,000 annual household income
Critical note: Flood insurance for lakefront properties in Zone AE can be substantial ($1,000–$2,500+/month). This is a make or break cost factor. Get a detailed quote before making an offer, elevation certificates or flood mitigation may reduce costs.
BUYER PROFILE ANALYSIS
This property may appeal to:
✓ Buyers seeking authentic lakefront living under $1.1M (vs. $1.3M–$1.5M in premium communities)
✓ Those prioritizing turn key condition (every major system already replaced)
✓ Households needing 5 bedrooms with split floor plan (privacy and space)
✓ Buyers who entertain frequently (resort style backyard with outdoor kitchen and saltwater pool)
✓ Buyers wanting low maintenance luxury (everything updated, low HOA, gated security)
✓ Buyers valuing sunrise lake views and eastern exposure (morning light over water)
✓ Those seeking single story living with 12 foot ceilings (spacious feel without stairs)
✓ Buyers downsizing from larger homes but wanting waterfront lifestyle
✓ Buyers who appreciate thoughtful design (custom walk-in closet, pergola extension, functional layout)
EDUCATIONAL TAKEAWAYS
What this property teaches about the $1M–$1.3M lakefront market in Pembroke Pines:
Not all lakefront is equal—100 feet of wide lake frontage with sunrise exposure is premium positioning; narrow canals and retention ponds don't compare
Turn-key matters at this price point—Buyers paying $1M+ expect move-in ready; having roof, AC, impact windows, and renovated kitchen/baths already done adds significant value and speeds sales
Impact protection is non negotiable—Full impact windows and doors are expected in this price range; homes without it face insurance challenges and buyer resistance
Resort style outdoor living sells—Saltwater pools, outdoor kitchens, and professional entertainment spaces command 5–10% premiums and appeal to South Florida lifestyle buyers
Pricing below premium tier ($1.3M+) maintains buyer traffic—The $1M–$1.3M range sees steady activity; above $1.3M, market thins quickly in Pembroke Pines
Low HOA fees preserve value—$315/month is exceptionally low for gated lakefront; this saves buyers $60–$165/month compared to similar communities
Flood insurance is critical for lakefront—Always get quotes before making offers on Zone AE waterfront properties; costs can add $1K–$2.5K+/month and significantly impact affordability
Oversized lots (10,000+ sq ft) add value—Larger lots command 3–5% premiums and provide better outdoor living space and privacy
"As-is" doesn't mean distressed—With $95K–$163K in recent updates, "as-is" simply protects seller from minor repair requests; property is clearly well maintained
60-day closing requests signal orderly transition—Not desperation; often indicates seller is coordinating move carefully (positive sign of stability)
Disclaimer: This analysis is for educational purposes only and does not constitute a formal appraisal, property recommendation, or guarantee of value. Property information is based on public records and listing data, which may contain inaccuracies. Prospective buyers should conduct their own due diligence, including professional inspections and independent market analysis.
