A Jupiter Home That Covers $400K of Club Costs

Lucía Torres · 2026-11-09

Some of the most coveted addresses in northern Palm Beach County aren't on the water at all. They sit behind the gates of private golf clubs, where the real asset is the membership and the house is simply how you come to own a piece of it. The Loxahatchee Club in Jupiter is one of those places. It's a private club built around a Jack Nicklaus-designed course, and the listing notes it was ranked seventeenth by Forbes among the most exclusive golf and country clubs in the nation. 106 Toteka Circle is a newly renovated single-story home on a cul-de-sac inside the club, offered at $1,325,000. In any neighborhood, it would be a well-finished house. What sets it apart is the arrangement attached to the sale. ### The Offer That Changes the Math For an approved buyer, the seller will cover the club's $350,000 golf membership initiation fee, the one-time $25,000 HOA bond, and the first year of club dues, listed at $28,815. Add those together and more than $400,000 of the cost of entering The Loxahatchee Club is handled before the buyer writes a single check to the club. Golf club real estate in this part of Florida usually comes with two prices: the house, and the cost of belonging. At the top private clubs, initiation fees routinely run into six figures and are due on top of the purchase price. That's why membership often shapes a buyer's decision as much as the floor plan does. Here, the seller has taken the largest of those costs off the table. The initiation fee, the HOA bond, and a full year of dues are all part of the offer, subject to the club's approval of the buyer. The listing notes that buyer approval is required, as it typically is at private clubs. So anyone serious about the home should plan for the club's application process alongside the purchase itself. It's an unusual structure, and it changes the math on what a Loxahatchee Club address actually costs to step into. ### Inside the Renovation The house itself has been brought back to a clean, current finish. Built in 1988 of concrete block and stucco under a metal roof, it offers three bedrooms, two full baths, and a half bath across 1,872 square feet, all on one level. The bones are traditional; the finishes are not. Porcelain tile runs through the home, and impact glass is installed throughout. In coastal Palm Beach County, that's both a comfort and a practical advantage. Vaulted and cathedral ceilings lift the main living spaces, skylights bring in daylight from above, and plantation shutters soften the light at the windows. An entrance foyer sets up the arrival, and the living and dining areas run together in a bright, open layout designed for the way people actually use a house now. The living room opens through sliding glass doors to the covered patio, which is where you'll likely spend most of your winter mornings. A few details worth noting: - Central vacuum system - Closet cabinetry throughout - Metal roof over concrete block and stucco - Impact glass on every window - Single-story layout with no stairs to manage The listing also notes the central vacuum and closet cabinetry, the kind of details that rarely show up in photographs but make a real difference in daily life. ### What It Really Comes Down To A house like this is a well-finished home in a town full of them. The difference is the gate you drive through and the membership that comes with the keys. For the right buyer, the seller's offer isn't a discount on the house. It's a shortcut past the part of the process that usually stops people cold. If you've been circling Jupiter's private club market and wondering whether the numbers work, this one is worth a closer look, application process and all.