4870 Bonsai Circle

Palm Beach Gardens, FL 33418

$519,000

$301/ft²

3Beds

2.5Baths

1,726Sq ft

2005Year built

CondoType

About this home

Welcome to 4870 Bonsai Circle #106, located in the desirable, gated community of Legends at the Gardens. This beautifully maintained residence offers 3 bedrooms, 2.5 bathrooms, and a 1-car garage, and is ideally situated within walking distance to Abacoa, Alton Town Center, Roger Dean Stadium, and nearby shopping and dining. The community is a true hidden gem, featuring a secured front entrance, a heated community pool, and scenic lake and preserve views. This meticulously maintained home features a southeast-facing back porch with stunning water views and refreshing cross-breezes that flow effortlessly through the home via the front retractable screen door. Pride of ownership is evident throughout With its spacious two-story layout, soaring ceilings, and abundant storage, the property lives beautifully like a townhouse while offering the comfort and privacy of a single-family residence. Recent upgrades include a newer roof, impact-rated windows, and updated stainless steel appliances, offering modern comfort, enhanced safety, and true peace of mind. The first floor features a spacious kitchen with granite countertops, 42" maple cabinetry, all stainless steel appliances, a breakfast area, and a snack bar, ideal for both everyday living and entertaining. Open living areas are filled with natural light and showcase tranquil lake views, flowing seamlessly to the patio for relaxed indoor-outdoor living. An additional flex space on the main level offers the perfect option for a home office or den. Upstairs, the primary suite overlooks the lake and features high ceilings, a large walk-in closet with custom built ins, generous storage, and an en-suite bath. Two additional bedrooms provide ample space for family or guests, each offering excellent closet space. HOA includes water, sewer, cable, structural insurance, exterior care and maintenance of building and landscaping, community pool and clubhouse. Ideally located just minutes from top-rated schools, pristine beaches, premier shopping and dining, and I-95, this home offers an exceptional blend of comfort, style, and convenience in one of Palm Beach Gardens' most sought-after communities. Buyer may qualify for a complimentary 1/0 rate buydown through June 30th when using preferred lender.

Features

Waterfront
Private pool

Property details

Listing

MLS #: R11165469
Status: For sale
Listed on: Feb 20, 2026
Days on market: 171 days
Listing data updated: Aug 9, 2026

Interior

Beds: 3
Baths: 2.5
Living area: 1,726 ft²
Price per ft²: $301/ft²
Unit: 106

Building & community

Type: Condo
Year built: 2005
HOA fee: $499/mo
County: Palm Beach

Lot & exterior

Waterfront: Yes
Private pool: Yes

Days on market, price per ft² and the monthly HOA amount are calculated by this site from the MLS data shown; the association fee is normalized to a monthly figure.

True monthly cost

Mortgage (principal & interest): $2,624
Property taxes (est.): $476
Home insurance (est.): $433
Flood insurance (est.): —
HOA fee: $499

Estimated total$4,032*/mo

* Some cost lines aren't available yet for this listing; the total shown is incomplete.

Based on 20% down, a 6.5% rate and a 30-year loan, plus this home's estimated Florida carrying costs. All figures are illustrative estimates — not quotes, not financial or insurance advice.

Sources: flood zone — FEMA National Flood Hazard Layer; mortgage, taxes and insurance figures — this site's own estimates; HOA / CDD — as reported for this listing.

What will this home really cost you?

Building structural health (SIRS)

No filing record found

We couldn't find a SIRS filing record for this building in Florida's public DBPR database. That is not a red flag by itself: buildings under three stories are exempt, recent or mailed-in filings may not appear yet, and the name or address on file may differ from this listing.

Questions about this

What is a SIRS and why does it matter?

Since the Surfside collapse, Florida requires condo and co-op buildings three stories or taller to complete a Structural Integrity Reserve Study: an inspection-based plan that forces the association to fund structural repairs (roof, load-bearing walls, plumbing, electrical) instead of deferring them. It matters because underfunded buildings are the ones that surprise owners with large special assessments.

Has this building filed its SIRS?

We didn't find a filing record for this building in the DBPR's public database. Absence of a record does not mean the building is out of compliance — it may be exempt (under three stories), the filing may be recent or on paper, or the recorded name/address may differ. It IS the right question to ask before offering.

What is a special assessment?

A one-off charge the association levies on every owner when reserves don't cover a needed repair — in older coastal buildings they have ranged from a few thousand to over $100,000 per unit. The SIRS exists precisely to make these predictable and funded in advance. Always review the building's budget, reserves and meeting minutes before buying.

What should I check before buying in this building?

Florida law gives buyers the right to review the association's SIRS, milestone inspection reports, budget and reserves — the full study is available from the association by written request. Nilyan requests and walks through these documents with her buyers as part of the offer process.

Source: Florida DBPR public SIRS reporting database. Filing status is self-reported by the association; this is not an audit, inspection or safety certification, and absence of a record does not mean non-compliance. Data as of July 30, 2026.

Want the full structural picture of this building before you offer?