Price cut $876K3D tour
$4,999,000
12904 Banyan Road, North Miami 33181
Est. $35,680/mo with 20% down
Listing courtesy of Miami Waterfront Realty · BeachesMLS
$4,350,00012905 Ixora Road, North Miami, FL 33181
Listing courtesy of Urdapilleta Real Estate, LLC · 786-381-3758 · 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
- $4,350,000 · $1,377/sqft
- Property taxes
- $36,818/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 AE: high-risk flood area, base flood elevation 8 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 31, 2026
- Monthly payment (estimate)
- $31,115/mo: $23,716 loan + $6,888 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
- 1952 · 1 story
- Days on market
- About 52 days
- Price history (this listing)
- Listed Sep 11, 2026.
Details
- TypeHouse
- Beds4 bd
- Baths3
- Size3,160 sqft
- Year built1952
- PoolPrivate
- WaterfrontYes: No Fixed Bridge, Ocean Access, Canal Front
- ViewWater, Canal
- 55+ statusMarked 55+ in MLS - ask Zach to confirm
- NeighborhoodVENETIAN SEC KEYSTONE POI
- ZIP33181
- MLS #A12084800
- To the beachAbout 2.4 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
A rare double-waterfront opportunity in coveted Keystone Islands, this beautifully remodeled Mediterranean residence sits on an exceptional 12,300 sq ft corner lot with 272 linear feet of waterfront along two sides. Elevated 9 feet and offering 3,160 sq ft under air, the home is filled with natural light, with high ceilings and impact glass throughout most of the residence.Open living and dining spaces flow into a spacious gas kitchen with large island and bar seating. The primary suite overlooks the garden and features three walk-in closets and a remodeled bath with dual vanities, Jacuzzi tub and separate shower. Three additional bedrooms, a TV area and separate laundry complete the interior.Outdoors, a heated and cooled saltwater pool, expansive decking and a pergola with summer kitchen create an exceptional setting for entertaining. Two docks accommodate boats up to 80 and 50 feet, with a boat lift and dedicated Jet Ski dock. Direct Intracoastal and Biscayne Bay access with no fixed bridges makes this a true boater’s paradise—minutes from Miami’s best amenities.
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 31, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1952, 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.