3D tour
$5,900,000
4191 Lybyer Avenue, Miami 33133
Est. $42,007/mo with 20% down
Listing courtesy of Douglas Elliman · BeachesMLS
$5,549,0001051 NE 89th Street, Miami, FL 33138
Listing courtesy of Robert Bourne Real Estate LLC · 786-281-8376 · BeachesMLS
Full disclosure: what this home really costs
9 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 31, 2026, unless a row says otherwise.
- Price
- $5,549,000 · $882/sqft
- Property taxes
- $52,000/yr (2024 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
- 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 X (shaded): moderate flood risk. Flood insurance optional; often worth pricing.FEMA flood map, checked Oct 28, 2026
- Monthly payment (estimate)
- $39,537/mo: $30,253 loan + $8,786 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
- 1939 · 2 stories
- Days on market
- About 452 days
- Price history (this listing)
- Originally listed at $5,799,000; last price change Aug 15, 2026. Down $250,000.
Details
- TypeHouse
- Beds7 bd
- Baths6
- Size6,288 sqft
- Year built1939
- Parking1 garage
- PoolPrivate
- WaterfrontYes: Canal Front, No Fixed Bridges
- ViewPool, Canal
- LaundryIn Garage
- NeighborhoodAMD PL OF BELMAR
- ZIP33138
- MLS #A11854559
- To the beachAbout 3.5 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Experience exceptional waterfront living in this impressive 6,200+ sq ft estate, perfectly positioned on a sprawling 17,000+ sq ft corner lot with approximately 70 feet of canal frontage, a private dock, and no fixed bridges to Biscayne Bay and the Atlantic Ocean. Designed for those who appreciate space, privacy, and the boating lifestyle, the home features 7 bedrooms, 5 full baths, and 2 half baths, expansive living and entertaining areas, a resort-style pool surrounded by lush tropical landscaping, and a private theater. The luxurious primary suite is its own private retreat with a dedicated office, dual walk-in closets, two spa-inspired baths, and direct access to the pool and waterfront. A dramatic foyer with terrazzo floors, a fireplace, and an elegant staircase creates a memorable first impression, while the flexible floor plan offers 4 bedrooms on the main level and 3 upstairs. Currently licensed for short-term rentals with a proven performance history, this property offers a rare combination of luxury living, boating access, and income potential. Explore the immersive 3D Matterport tour and cinematic drone video to fully appreciate everything this exceptional waterfront estate has to offer. Images may be virtually staged and/or digitally enhanced (including furniture, colors, fixtures, landscaping, and décor) for illustrative purposes only.
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 28, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1939, 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 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.
Chat with Zach
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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 2, 2026, 6:06 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.