3D tour
$1,200,000
Address not published, Miami 33162
Est. $8,940/mo with 20% down
Listing courtesy of Vista Mar Realty Group Inc. · BeachesMLS
$1,200,00014441 S Biscayne River Road, Miami, FL 33161
Listing courtesy of EXP Realty LLC · 888-883-8509 · BeachesMLS
Full disclosure: what this home really costs
11 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
- $1,200,000 · $732/sqft
- Property taxes
- $9,025/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
- None per the listing: “…security system, a newer 2020 roof, brand-new plumbing and electrical systems, no HOA, and true turnkey condition complete this exceptional offering.”Listing remarks, word for word, unconfirmed
- What the fee covers
- Not listed - ask Zach
- Special assessments
- None listed
- 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 7 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 29, 2026
- Monthly payment (estimate)
- $8,940/mo: $6,542 loan + $1,900 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
- 1970 · 1 story
- Days on market
- About 166 days
- Price history (this listing)
- Originally listed at $1,510,000; last price change Oct 10, 2026; listed May 19, 2026. Down $310,000.
Details
- TypeHouse
- Beds3 bd
- Baths2
- Size1,640 sqft
- Year built1970
- Parking1 garage
- PoolPrivate
- WaterfrontYes: No Fixed Bridge, Ocean Access, Canal Front, Navigable Water, River Front
- ViewPool, River
- FurnishedUnfurnished
- NeighborhoodBISCAYNE GARDENS SEC E PA
- ZIP33161
- MLS #A12021832
- To the beachAbout 4.8 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
PRICE ADJUSTED! Your private Miami waterfront oasis awaits! Completely gutted and rebuilt, this stunning 3-bedroom, 2-bath contemporary residence offers 1,640 square feet (+ a 600 sf garage) of beautifully designed living space along the peaceful Biscayne Canal, with water access to the north lake and Biscayne Park to the south—perfect for kayaking, paddleboarding, and outdoor adventures.Step inside to discover an open, light-filled layout featuring elegant porcelain flooring, a sleek modern kitchen, beautifully renovated bathrooms, and a versatile third bedroom with its own private entrance—ideal for guests, a home office, or extended family.Outside, every day feels like a luxury vacation. Relax in the new heated pool and jacuzzi, entertain beneath the covered patio and gazebo, prepare unforgettable meals in the summer kitchen, or unwind while enjoying tranquil water views. Solar-powered LED lighting beautifully transforms the lush, fully fenced property after sunset, while an electric front gate provides additional privacy.Impact windows, a security system, a newer 2020 roof, brand-new plumbing and electrical systems, no HOA, and true turnkey condition complete this exceptional offering. Waterfront homes combining this level of privacy, sophistication, and effortless indoor-outdoor living are rarely available. Schedule your private showing today—once you experience it, you may never want to leave!
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 1970, 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 replies personally within 15 minutes, 8 AM to 9 PM ET, 7 days. Outside those hours, by 9 AM.
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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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 Oct 31, 2026, 10:34 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.