3D tour
$12,900,000
527 E Dilido Drive, Miami Beach 33139
Est. $91,254/mo with 20% down
Listing courtesy of BHHS EWM Realty · BeachesMLS
$10,450,0001050 Stillwater Drive, Miami Beach, FL 33141
Listing courtesy of Beachfront Realty Inc · 305-534-4242 · BeachesMLS
Full disclosure: what this home really costs
8 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 Nov 1, 2026, unless a row says otherwise.
- Price
- $10,450,000 · $2,598/sqft
- Property taxes
- Not listed - ask Zach
- HOA / condo fee
- Not listed - ask Zach
- What the fee covers
- Not listed - ask Zach
- Special assessments
- Not listed - ask Zach
- 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 AE: high-risk flood area, base flood elevation 8 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 29, 2026
- Monthly payment (estimate)
- $74,017/mo: $56,973 loan + $16,546 tax + $498 insurance. 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
- 2025 · 2 stories
- Days on market
- About 147 days
- Price history (this listing)
- Listed Jun 8, 2026.
Details
- TypeHouse
- Beds4 bd
- Baths4.5
- Size4,023 sqft
- Year built2025
- Parking2 garage
- PoolPrivate
- WaterfrontYes: No Fixed Bridge, Ocean Access, Seawall, Bayfront, Intracoastal
- ViewBay, Intracoastal
- FurnishedNegotiable
- NeighborhoodBISCAYNE BEACH-2ND ADDN
- ZIP33141
- MLS #A12032982
- To the beachAbout 0.7 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Welcome to 1050 Stillwater Drive, a newly completed waterfront residence on the exclusive guard-gated island of Stillwater. Built in 2026, this exceptional home offers approximately 4,000 square feet of refined living space with 4 bedrooms, a den, and 4.5 bathrooms, perfectly positioned on 50 feet of open bay frontage with breathtaking water views.Designed for modern luxury living, the residence showcases marble flooring throughout the main living areas, custom wood flooring upstairs, a chef’s kitchen equipped with Sub-Zero and Miele appliances, custom wood cabinetry, and elegant marble countertops. Floor-to-ceiling impact glass fills the home with natural light while seamlessly connecting indoor and outdoor spaces.The resort-style outdoor area features a brand-new saltwater pool with heater, outdoor kitchen, private dock, boat and jet ski lifts, and expansive waterfront entertaining spaces designed to capture Miami’s spectacular sunsets. Smart home technology includes security cameras, smart lighting, thermostats, locks, and a full-house generator.With a new seawall, two high-efficiency A/C systems, impact windows and doors throughout, tankless gas water heater, and every major component less than one year old, this turnkey residence offers peace of mind and uncompromising quality.A rare opportunity to own a brand-new waterfront home in one of Miami Beach’s most desirable island communities.
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: 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 AE: high-risk flood area. A FEMA Special Flood Hazard Area (about a 1% chance of flooding each year). Lenders require flood insurance for federally backed mortgages here. 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 2025, after 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 will reply as soon as he can.
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.
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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, 7:36 PM 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.