3D tour
$729,800
398 NE 5th Street #4006, Miami 33132
Est. $5,683/mo with 20% down incl. HOA
Listing courtesy of KWG Realty Group LLC · BeachesMLS
$950,0001175 NE 109th Street, Miami, FL 33161
Listing courtesy of EXP Realty LLC · 888-883-8509 · 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 Nov 1, 2026, unless a row says otherwise.
- Price
- $950,000 · $592/sqft
- Property taxes
- $8,000/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
- 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: minimal flood hazard (per FEMA map). Flood insurance optional; often worth pricing.FEMA flood map, checked Oct 31, 2026
- Monthly payment (estimate)
- $7,181/mo: $5,179 loan + $1,504 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
- 1955 · 1 story
- Days on market
- About 40 days
- Price history (this listing)
- Originally listed at $1,050,000; last price change Oct 26, 2026; listed Sep 23, 2026. Down $100,000.
Details
- TypeHouse
- Beds3 bd
- Baths2
- Size1,605 sqft
- Year built1955
- Parking2 garage
- PoolPrivate
- NeighborhoodMIAMI SHORES HEIGHTS
- ZIP33161
- MLS #A12094800
- To the beachAbout 3.3 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Welcome to Miami living at its best! This desirable corner home offers an excellent combination of location, convenience, and South Florida lifestyle. Situated on a corner lot in the 33161 area, this property provides added curb appeal, extra frontage, and a great setting for enjoying the Miami lifestyle.One of the property's standout features is its drainage setup, with two sewer drainage points on the property designed to provide efficient water drainage. This is an especially attractive feature for South Florida buyers looking for added peace of mind during Miami's rainy season.Enjoy the best of Miami right outside your door. Spend your mornings at a local café, afternoons relaxing at the beach, and evenings exploring the incredible variety of restaurants throughout Miami, North Miami, Surfside, and nearby communities. From authentic Latin and Caribbean cuisine to casual neighborhood restaurants and upscale dining, you'll have countless options to explore.Beach lovers will appreciate being within easy reach of Miami's beautiful Atlantic coastline. Enjoy sunny days at Miami Beach, Surfside, Bal Harbour, and other nearby coastal destinations, where you can spend the day swimming, relaxing in the sand, enjoying waterfront dining, shopping, or watching the sunset. Beyond the beaches, experience everything that makes Miami such a sought-after destination—year-round sunshine, diverse cuisine, vibrant culture, shopping, entertainment, nightlife, and endless opportunities to enjoy the outdoors.Whether you're looking for a primary residence, a South Florida getaway, or an investment opportunity, this corner home offers the opportunity to enjoy the Miami lifestyle in a convenient and desirable location. Come experience the sunshine, beaches, restaurants, culture, and energy that make Miami one of the world's most exciting places to call home.
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: minimal flood hazard (per FEMA map). Outside FEMA's mapped high-risk area. Many flood claims still come from outside high-risk zones, so a quote is worth getting. Source: FEMA National Flood Hazard Layer, checked Oct 31, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1955, 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
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 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.