3D tour
$1,095,000
460 NW 88th Terrace, El Portal 33150
Est. $8,215/mo with 20% down
Listing courtesy of Duffy Realty · BeachesMLS
$1,194,999160 NE 86th Street, El Portal, FL 33138
Listing courtesy of Douglas Elliman · 305-866-4566 · 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
- $1,194,999 · $687/sqft
- Property taxes
- $4,917/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 AH: high-risk flood area, base flood elevation 6 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 31, 2026
- Monthly payment (estimate)
- $8,918/mo: $6,515 loan + $1,892 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
- 1971 · 1 story
- Days on market
- About 45 days
- Price history (this listing)
- Listed Sep 18, 2026.
Details
- TypeHouse
- Beds3 bd
- Baths2
- Size1,740 sqft
- Year built1971
- WaterfrontYes: Canal Front, No Fixed Bridges
- ViewGarden, Canal
- NeighborhoodEL JARDIN
- ZIP33138
- MLS #A12091575
- To the beachAbout 4.7 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Welcome to El Jardin, one of El Portal’s most enchanting and historic residential enclaves. Nestled beneath a beautiful canopy of mature tropical trees, this 3-bedroom, 2-bathroom residence offers an exceptionally spacious and thoughtfully designed layout that flows comfortably from room to room. The home also features a spacious kitchen with plenty of room for cooking, gathering, and entertaining. Situated on an expansive 8,400-square-foot lot, the property features a peaceful canal-front backyard along the Little River. Majestic trees surround the property, providing privacy, natural beauty, and serene water views. Recent improvements include an A/C system installed in 2020 and an energy-efficient tankless water heater installed in 2021. Enjoy a tranquil, park-like lifestyle within a state-designated bird sanctuary, just steps from the neighborhood park and surrounded by quiet residential streets. This centrally located home offers convenient access to I-95 and Biscayne Boulevard and is just minutes from The Citadel, the historic MiMo District, the Miami Design District, Wynwood, Downtown Miami, Miami Beach, and Miami International Airport. This is a probate sale and is contingent upon court approval. All interior photos are virtually staged. The property is vacant. Furniture, décor, and the fireplaces shown in the living room, family room, and main bedroom were added digitally as design ideas and are not included.
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 AH: 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 1971, 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.