Price cut $20K3D tour
$249,900
8109 SW 21 Court #8109, Miramar 33025
Est. $2,199/mo with 20% down incl. HOA
Listing courtesy of First Pro International Rlty · BeachesMLS
$285,00012148 Saint Andrews Place #106, Miramar, FL 33025
Listing courtesy of Habitare International LLC · 305-728-6466 · 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 31, 2026, unless a row says otherwise.
- Price
- $285,000 · $290/sqft
- Property taxes
- $5,561/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
- $584/moFrom the listing, unconfirmed
- Fee covers
- Cable TV, Internet, Maintenance Grounds, Maintenance Structure, Sewer, Water, Common Areas, Roof Repairs, Pool Service
- Special assessments
- None listed
- Mandatory club / membership
- Not required per the MLS
- Insurance (estimate)
- About $1,816/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 6.7 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 29, 2026
- Monthly payment (estimate)
- $2,752/mo: $1,554 loan + $463 tax + $151 insurance + $584 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
- 1996 · 3 stories
- Days on market
- About 11 days
- Price history (this listing)
- Listed Oct 22, 2026.
Details
- TypeCondo
- Beds2 bd
- Baths2
- Size983 sqft
- Year built1996
- PoolCommunity
- WaterfrontYes: Lake Front
- ViewWater, Lake
- FurnishedUnfurnished
- NeighborhoodST ANDREWS CONDO
- ZIP33025
- MLS #A12110888
- To the beachAbout 12 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Beautifully Remodeled 2-Bedroom, 2-Bath Condo with Lake View in St. Andrews of Miramar! Located on the ground floor of this desirable gated community, this move-in-ready residence features a smart split-bedroom floor plan, an open great room, and a modern feel throughout. Enjoy a beautifully remodeled, modern and contemporary kitchen with granite countertops, and stainless steel appliances, along with updated bathrooms and the convenience of an in-unit washer and dryer. The serene lake view adds a special touch to this inviting home. Residents enjoy resort-style amenities, including a swimming pool and jacuzzi, a fully equipped fitness center with separate cardio and weight rooms, an indoor racquetball court, tennis courts, and a children’s playground. This beautifully landscaped, tree-lined community is centered around a scenic lake and offers convenient parking with one assigned space plus two additional spaces. Monthly association dues include water, basic cable, and internet. Immediate rentals allowed, offering excellent flexibility for both investors and owner-occupants. Conveniently located off Flamingo Road, close to shopping, restaurants, major highways, and everyday essentials. Enjoy the perfect blend of comfort, convenience, and resort-style living!
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 29, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1996, 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.
Condo health facts
- Building
- 8
- Year built
- 1996 (30 years old)
- Stories
- 3
- HOA / condo fee
- $584/mo (from the listing, unconfirmed)
- Fee covers
- Cable TV, Internet, Maintenance Grounds, Maintenance Structure, Sewer, Water, Common Areas, Roof Repairs, Pool Service
- Pets
- Yes
- Milestone inspection
- This building is 30 years old. Florida requires a milestone structural inspection for condo buildings 3+ stories by Dec 31 of the year they turn 30 (local officials can require it at 25), then every 10 years. Ask Zach for the report.
- 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 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.