Price cut $1.9M3D tour
$8,995,000
1041 W 48th Street, Miami Beach 33140
Est. $72,342/mo with 20% down incl. HOA
Listing courtesy of Coldwell Banker Realty · BeachesMLS
$7,499,0001278 W 27th Street, Miami Beach, FL 33140
Listing courtesy of Compass Florida, LLC · 305-851-2820 · 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
- $7,499,000 · $1,680/sqft
- Property taxes
- $48,039/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 AE: high-risk flood area, base flood elevation 8 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Nov 2, 2026
- Monthly payment (estimate)
- $53,255/mo: $40,884 loan + $11,873 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
- 1926 · 2 stories
- Days on market
- About 6 days
- Price history (this listing)
- Listed Oct 27, 2026.
Details
- TypeHouse
- Beds6 bd
- Baths5
- Size4,464 sqft
- Year built1926
- PoolPrivate
- ViewPool
- NeighborhoodAMD PLAT OF SUNSET LAKE S
- ZIP33140
- MLS #A12113167
- To the beachAbout 0.9 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Set on an exceptionally oversized 15,000+ square foot lot off North Bay Road, this fully updated, move-in ready estate offers nearly 5,000 SF of interior living paired with a truly resort caliber outdoor setting. The home delivers a lifestyle centered around entertaining, wellness, and recreation. Downstairs features a spacious chef’s kitchen, a formal dining area, and an open concept living room that connects beautifully to a light filled Florida room, creating multiple inviting spaces to gather, relax, and host. Four bedrooms are located upstairs, including the primary suite overlooking the Miami Beach Golf Course, which features two walk-in closets and a separate tub, shower, and dual vanities. The remaining three bedrooms include built-ins, one ensuite bathroom and two connected by a Jack and Jill bath. A converted garage serves as a guest house with two bedrooms, a kitchenette, full bathroom, laundry room, and home gym. The outdoor space includes a pool and jacuzzi, sauna, cabana bath, outdoor kitchen, dining area and fire pit, with room to add a padel or pickleball court. The gated property offers a large driveway with ample parking, along with a private basketball court located on the side of the home. This is a rare Miami Beach offering with an oversized lot and exceptional indoor and outdoor 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 Nov 2, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1926, 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.
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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, 6:06 AM 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.