zach.homesRealty Hub 754-332-7529

Zach Curtis, REALTOR®, Realty Hub, license SL3664129 · 754-332-7529

$3,250,0001210 NE 89th Street, Miami, FL 33138

3 bd · 3 ba · 2,145 sqft · On the market about 32 days · Active

Listing courtesy of London Foster Realty · 305-514-0100 · 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 30, 2026, unless a row says otherwise.

Price
$3,250,000 · $1,515/sqft
Property taxes
$29,222/yr (2026 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 AE: high-risk flood area, base flood elevation 9 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Nov 1, 2026
Monthly payment (estimate)
$23,363/mo: $17,719 loan + $5,146 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
1950 · 2 stories
Days on market
About 32 days
Price history (this listing)
Listed Oct 1, 2026.
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Details

  • TypeHouse
  • Beds3 bd
  • Baths3
  • Size2,145 sqft
  • Year built1950
  • Parking1 garage
  • PoolPrivate
  • WaterfrontYes: Ocean Access, Canal Front, Seawall, No Fixed Bridges
  • ViewPool, Canal
  • FurnishedUnfurnished
  • NeighborhoodAmd Pl Of Belmar
  • ZIP33138
  • MLS #A12097849
  • 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 this exceptional two-story waterfront residence in the desirable Davis Harbor neighborhood of Miami. This beautifully positioned home features 3 bedrooms, 3 bathrooms, and 75 feet of waterfront, providing an outstanding opportunity to enjoy the ultimate Miami waterfront lifestyle.Situated on an oversized lot, the gated property is surrounded by a lush tropical garden that creates a private and serene setting. The expansive outdoor area features a 50ft resort-style pool, spacious deck, and inviting waterfront spaces, ideal for entertaining, relaxing, and enjoying Miami’s year-round outdoor lifestyle.For boating enthusiasts, the property offers direct ocean access with no fixed bridges, allowing convenient access to Biscayne Bay and the open waters. A garage adds functionality and convenience to this exceptional waterfront home.Located in the sought-after Davis Harbor neighborhood, this residence combines generous land, beautiful landscaping, excellent boating access, and a private waterfront setting—an exceptional opportunity to create your own Miami waterfront retreat.

Virtual tour

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.

Estimate closing costs for this home

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 Nov 1, 2026. This is a map lookup, not an official flood zone determination.
Wind and building code
Built in 1950, 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

  1. Pre-approval letter or proof of funds (cash)
  2. The price you'd offer and your deposit
  3. Financing type and closing date
  4. Inspection period you want (often 10-15 days)
  5. A signed buyer agreement with Zach (Florida practice before touring or offering)

Rather not check the box? That's fine. Zach will call or email instead.

Zach will reply as soon as he can. Your info goes to Zach only. Never sold, never shared. You choose how he reaches you, and STOP always works.

Nothing here is a binding offer. Zach calls you, checks the comps and writes the contract with you.

Tour 1210 NE 89th Street, Miami, FL 33138

Pick a time; same-day tours when the listing side allows. Zach confirms with the listing agent and texts you. Before a buyer tour Zach sends a short, plain-language buyer agreement to sign.

Pick a day

Same-day: 21 times left today, soonest 9:00 AM.

Rather not check the box? That's fine. Zach will call or email instead.

Zach will reply as soon as he can. Your info goes to Zach only. Never sold, never shared. You choose how he reaches you, and STOP always works.

Ask Zach anything

One tap opens a text with this address filled in.

Is it still available?What's the HOA really?Can I see it today?What would you offer?

Zach will reply as soon as he can.

From finding it to the keys, one agent

  1. 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.
  2. Tour it
    Same day when the listing side allows, in person or live video.
  3. 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.
  4. Make the offer or apply
    Zach writes the offer or the application, negotiates, and handles the association approval.
  5. 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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Listing courtesy of London Foster Realty · 305-514-0100 · BeachesMLS

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.

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