Price cut $150K3D tour
$1,875,000
430 Candia Avenue, Coral Gables 33134
Est. $13,702/mo with 20% down
Listing courtesy of Florida Realty of Miami Corp · BeachesMLS
$2,495,0001461 Certosa Avenue, Coral Gables, FL 33146
Listing courtesy of Elite Miami Realty, LLC · 305-351-1484 · 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 31, 2026, unless a row says otherwise.
- Price
- $2,495,000 · $1,063/sqft
- Property taxes
- $20,144/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 $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)
- $18,064/mo: $13,603 loan + $3,950 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
- 1926 · 2 stories
- Days on market
- About 27 days
- Price history (this listing)
- Listed Oct 6, 2026.
Details
- TypeHouse
- Beds4 bd
- Baths3.5
- Size2,348 sqft
- Year built1926
- Parking1 garage
- ViewGarden
- FurnishedUnfurnished
- NeighborhoodCORAL GABLES RIVIERA SEC
- ZIP33146
- MLS #A12099252
- To the beachAbout 8.1 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Built in 1926 during the original development era of Coral Gables’ Riviera Section, this distinctive Old Spanish residence blends nearly a century of architectural character with a remarkably spacious and versatile floor plan. Period details—including graceful archways, hardwood floors, a classic staircase and fireplace—reflect the craftsmanship of the era, while generous living spaces and abundant natural light create an easy flow for modern living and entertaining. The 4-bedroom, 3.5-bath home offers flexible spaces throughout, including a light-filled sunroom and an expansive primary suite with an impressive custom walk-in closet. A detached studio with its own full bathroom provides valuable additional space for a home office, gym or creative use, complemented by a detached one-car garage and extra-long driveway. Rich in character and history, this special home offers an opportunity to own a piece of early Coral Gables architecture.Set along a quiet, low-traffic street, this is the kind of home that invites you to settle in and stay awhile— morning walks beneath the tree canopy, evenings spent entertaining at home, and everyday life surrounded by the charm and beauty that make Coral Gables so enduringly special. With the University of Miami nearby and the best of the Gables within easy reach, Certosa offers a lifestyle that feels both connected and wonderfully tucked away.
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 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.
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 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.