Price cut $60K3D tour
$460,000
2329 NW 122nd Terrace, Miami 33167
Est. $4,014/mo with 20% down incl. HOA
Listing courtesy of Miami New Realty · BeachesMLS
$505,00010209 SW 20th Terrace, Miami, FL 33165
Listing courtesy of RE3 Community Development · 954-309-0031 · BeachesMLS
Full disclosure: what this home really costs
12 of 12 answered from real sources. Anything not in the listing says so, and one tap asks Zach. Nothing here is guessed. Source: BeachesMLS listing, updated Oct 30, 2026, unless a row says otherwise.
- Price
- $505,000 · $524/sqft
- Property taxes
- $5,610/yr (2025 bill). A new owner's bill is reset from the sale price and is usually higher; Zach can pull the county estimate.
- HOA / condo fee
- $26/moFrom the listing, unconfirmed
- Fee covers
- Common Areas
- Special assessments
- None listed
- Mandatory club / membership
- Not required per the MLS
- Insurance (estimate)
- About $5,975/yr (homeowners policy, county average). Get a real quote before you offer.Florida OIR county average with wind, data as of Mar 31 2026
- Flood zone
- Zone X (shaded): moderate flood risk. Flood insurance optional; often worth pricing.FEMA flood map, checked Oct 29, 2026
- Monthly payment (estimate)
- $4,077/mo: $2,753 loan + $800 tax + $498 insurance + $26 HOA. 20% down, 7.24% rate (Freddie Mac, week of October 29, 2026), 30 years. Change the numberszach.homes calculator (not a loan offer)
- Year built
- 1972 · 1 story
- Days on market
- About 156 days
- Price history (this listing)
- Originally listed at $519,000; last price change Oct 7, 2026; listed May 29, 2026. Down $14,000.
Details
- TypeTownhouse
- Beds2 bd
- Baths2
- Size964 sqft
- Year built1972
- WaterfrontYes: Canal Front
- ViewCanal
- NeighborhoodCORAL HAVEN SEC TWO
- ZIP33165
- MLS #A12025455
- To the beachAbout 13 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Welcome to this beautifully updated 2-bedroom, 2-bathroom villa offering the perfect blend of modern luxury, peace of mind, and an open layout filled with lots of natural light. No detail was spared on structural and home system upgrades, featuring a brand-new roof, full impact windows and doors, a new 2026 A/C system, a 2023 water heater, a new washer/dryer, and fresh paint inside and out. Step across the brand-new luxury vinyl flooring—which is 100% waterproof and scratchproof—into a chef’s kitchen boasting new stainless steel appliances, premium Calacatta quartz countertops, and a massive countertop perfect for eating or gathering. Both bathrooms are elegantly upgraded with porcelain tile and matching Calacatta quartz. Step outside to your private patio area overlooking a serene canal, beautifully finished with high-end porcelain tile. This villa is in a community with an extremely low HOA, and you can rent it right away, making it perfect for homeowners and investors alike!
Monthly payment calculator
Rate: 7.24% 30-year fixed average (Freddie Mac, week of October 29, 2026). Your own rate may differ; you can change it here.
Estimate, not a loan offer. Tax default: the higher of the seller's bill and about 1.9% of price (Florida resets a new owner's assessment). Insurance default: Florida OIR county average with wind, data as of Mar 31 2026. Rate is an assumption; your lender sets the real one. Zach doesn't take lender or title referral fees.
Florida risk facts
- Flood zone
- Zone X (shaded): moderate flood risk. Outside the high-risk area but inside the 0.2% annual-chance (500-year) floodplain. Flood insurance is optional and often worth pricing. Source: FEMA National Flood Hazard Layer, checked Oct 29, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1972, before the statewide Florida Building Code took effect in 2002. Ask for the wind mitigation report; it can lower insurance. My Safe Florida Home offers free inspections and grants when funded.
- Disclosure
- Florida sellers must give you a flood disclosure about known flood damage, insurance claims and federal assistance (§689.302).
We don't show crime scores or rate neighborhoods. Every listing is open to everyone.
Start an offer
- Pre-approval letter or proof of funds (cash)
- The price you'd offer and your deposit
- Financing type and closing date
- Inspection period you want (often 10-15 days)
- A signed buyer agreement with Zach (Florida practice before touring or offering)
Nothing here is a binding offer. Zach calls you, checks the comps and writes the contract with you.
Ask Zach anything
One tap opens a text with this address filled in.
Zach replies personally within 15 minutes, 8 AM to 9 PM ET, 7 days. Outside those hours, by 9 AM.
From finding it to the keys, one agent
- Find it
Every home for sale and rent from the MLS, with the real monthly cost. Or tell Zach what you want and he looks for you. - Tour it
Same day when the listing side allows, in person or live video. - Afford it
Real Florida costs up front: taxes, HOA, insurance, flood zone, assessments. Buyers: pre-approval with a lender you choose. Renters: your renter résumé and documents in one place. - Make the offer or apply
Zach writes the offer or the application, negotiates, and handles the association approval. - Close or get the keys
Zach tracks every deadline through inspections, condo documents and closing or lease signing, then stays your agent after.
Report a problem with this listing
Wrong price, already sold, wrong photos, or something that looks like a scam copy? This goes straight to Zach, who fixes or escalates it within 2 business days.
Never send a deposit by Zelle, Cash App, wire or crypto, and never before you've seen the home with a licensed agent.
Chat with Zach
Zach typically replies within 15 minutes, 8 AM to 9 PM ET. After hours, by 9 AM.
Your messages go to Zach only. Reply STOP anytime and he won't follow up again.
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All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright ©2026 BeachesMLS, Inc. Listing data last updated Nov 1, 2026, 8:35 AM ET. Listing information is deemed reliable but not guaranteed. zach.homes estimates and Zach's notes are shown separately from MLS data and labeled with their source.