Price cut $100K3D tour
$1,250,000
2655 Collins Avenue #2302, Miami Beach 33140
Est. $10,537/mo with 20% down incl. HOA
Listing courtesy of Galiano Realty Group · BeachesMLS
$1,595,000110 Washington Avenue #1709, Miami Beach, FL 33139
Listing courtesy of Douglas Elliman · 305-695-6300 · 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
- $1,595,000 · $1,334/sqft
- Property taxes
- $15,801/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
- $1,538/moFrom the listing, unconfirmed
- Fee covers
- Internet, Maintenance Grounds, Maintenance Structure, Pest Control, Security, Sewer, Trash, Water, Common Areas, Elevator, Hot Water
- Special assessments
- None listed
- Mandatory club / membership
- Not required per the MLS
- Insurance (estimate)
- About $2,801/yr (HO-6 condo 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 28, 2026
- Monthly payment (estimate)
- $12,992/mo: $8,696 loan + $2,525 tax + $233 insurance + $1,538 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
- 2004 · 8 stories
- Days on market
- About 77 days
- Price history (this listing)
- Originally listed at $1,695,000; last price change Oct 9, 2026; listed Aug 17, 2026. Down $100,000.
Details
- TypeCondo
- Beds2 bd
- Baths2
- Size1,196 sqft
- Year built2004
- Parking1 garage
- PoolCommunity
- ViewOther, Water, Ocean
- 55+ statusMarked 55+ in MLS - ask Zach to confirm
- NeighborhoodTHE COSMOPOLITAN
- ZIP33139
- MLS #A12072570
- To the beachAbout 0.3 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Extraordinary 1,196 SF lower penthouse at Cosmopolitan Residences in South of Fifth. This one-of-a-kind 2-bedroom, 2-bath residence features an oversized, lanai-style private patio, along with views toward the Atlantic Ocean and Government Cut from the interiors and balcony, offering a unique vantage point for watching passing cruise ships. Inside, a lavish Zen-French inspired renovation layers natural stone, warm woods, bamboo and bronze with original art, bespoke built-ins and distinctive design details. Featured in French design publication Hors-Série Décoration as “intérieurs de rêve,” (“dream interiors”) the residence is offered fully furnished and turn-key. Every element was individually selected, custom designed or meticulously assembled, from the furniture, artwork and curated décor to the lighting, high-end appliances and motorized window treatments. Far from a residence furnished from a showroom, the interiors were conceived as a complete composition, with materials, furnishings, art and décor thoughtfully brought together to create an aesthetic that feels both timeless and unmistakably original. Ideally located at the southern end of South of Fifth, moments from the beach, marina, dining and the neighborhood’s vibrant waterfront lifestyle.
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 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 28, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 2004, 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.
Condo health facts
- Building
- Not listed - ask Zach
- Year built
- 2004 (22 years old)
- Stories
- 8
- HOA / condo fee
- $1,538/mo (from the listing, unconfirmed)
- Fee covers
- Internet, Maintenance Grounds, Maintenance Structure, Pest Control, Security, Sewer, Trash, Water, Common Areas, Elevator, Hot Water
- Pets
- Yes
- Milestone inspection
- Due by Dec 31, 2034 for buildings 3+ stories (local officials can require it at 25 years).
- Reserve study (SIRS)
- Condo buildings 3+ stories must have a structural integrity reserve study. Look up the building's filing in the state condo database (DBPR) or ask Zach for the document pack.
Facts only, from the listing and state law. We don't grade buildings. How Florida's condo safety laws work.
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)
- Condo documents review: Florida gives you a review period after you receive the association documents
- 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
Zach will reply as soon as he can.
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 2, 2026, 4:36 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.