Price cut $5K3D tour
$470,000
265 NW 135th, North Miami 33168
Est. $3,817/mo with 20% down
Listing courtesy of J Simon, LLC. · BeachesMLS
$409,9001225 NW 127th Street, North Miami, FL 33167
Listing courtesy of Keller Williams Eagle Realty · 305-757-1700 · BeachesMLS
Full disclosure: what this home really costs
10 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
- $409,900
- Property taxes
- $4,374/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
- None listed
- Mandatory club / membership
- Not required per the MLS
- Insurance (estimate)
- About $6,136/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 Nov 1, 2026
- Monthly payment (estimate)
- $3,395/mo: $2,235 loan + $649 tax + $511 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
- 1951 · 1 story
- Days on market
- About 18 days
- Price history (this listing)
- Listed Oct 15, 2026.
Details
- TypeHouse
- Beds2 bd
- Baths1
- Year built1951
- ViewGarden, Other
- Laundryin-unit
- 55+ statusMarked 55+ in MLS - ask Zach to confirm
- NeighborhoodBREEZY HEIGHTS Sunkist
- ZIP33167
- MLS #A12107218
- To the beachAbout 6.1 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
1,008 SQ FT OF ACTUAL LIVING SPACE — BEST FINANCING-READY HOUSE IN THE AREA! Turn-key and ready to close with FHA, VA, or Conventional financing!Located on the most beautiful street in the neighborhood, framed by stunning canopy trees! • New Permitted Electrical: with full permits for total peace of mind and effortless inspection approvals.• Certified Roof: Certified roof survey with 5+ years of remaining useful life attached to the listing.• NO MANDATORY FLOOD INSURANCE (Zone X): Elevated, high and dry location saves you thousands every year!• Prime Setting & Spacious Lot: Nestled on a canopy-lined street on a large 7,500 sq ft lot featuring a separate attached exterior utility/laundry room. --- STRUCTURAL ADDENDUM & SQUARE FOOTAGE CORRECTION ---Please note that while historical county public tax records indicate a smaller living configuration, a certified physical boundary survey confirms an actual exterior building footprint of approximately 1,008 square feet. The property features a spacious, updated layout utilizing every inch of this structural footprint efficiently. Viewing agents are encouraged to download the full certified survey attached directly in the MLS supplements tab for exact dimensional verifications and underwriting requirements.--- INFRASTRUCTURE UPGRADE DETAILS (PERMITS IN PROGRESS) ---The seller is investing heavily into the core capital improvements of the property, adding immense logistical and financial value for the future owner. The home is currently undergoing a top-tier, comprehensive electrical infrastructure modernization. This specialized capital project is being fully executed with professional engineering plans and active municipal building permits. The mechanical overhaul includes:Brand-New Main Electrical Service Panel: Completely replacing older infrastructure to support modern residential loads safely.All-New Internal Circuit Breakers: Upgraded distribution system protecting all individual interior circuits.New Utility Meter Can Installation: Fully updated exterior housing unit meeting modern utility provider specifications.New Grounding Electrode System: Completely updated grounding rod and wiring configuration engineered to meet the latest safety requirements of the active building code.--- TOPOGRAPHICAL ELEVATION & FLOOD MITIGATION DATA ---According to the certified engineering survey and FEMA community profiles, this solid Concrete Block Structure (CBS) home benefits from premier natural elevation relative to
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 Nov 1, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1951, 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 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.