Price cut $145K3D tour
$745,000
4040 Galt Ocean Drive #805, Fort Lauderdale 33308
Est. $6,468/mo with 20% down incl. HOA
Listing courtesy of Prestige Waterfront Realty · BeachesMLS
$949,9991696 S Ocean Lane #169, Fort Lauderdale, FL 33316
Listing courtesy of LoKation · 954-545-5583 · BeachesMLS
Full disclosure: what this home really costs
12 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 Nov 1, 2026, unless a row says otherwise.
- Price
- $949,999 · $746/sqft
- Property taxes
- $15,952/yr (2026 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
- $1,375/mo (listed as $4,124 quarterly)From the listing, unconfirmed
- Fee covers
- Cable TV, Internet, Maintenance Grounds, Maintenance Structure, Pest Control, Security, Trash, Water, Common Areas, Reserve Funds, Roof Repairs, Pool Service
- Special assessments
- None listed
- Mandatory club / membership
- Not required per the MLS
- Insurance (estimate)
- About $1,816/yr (HO-6 condo 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 (shaded): moderate flood risk. Flood insurance optional; often worth pricing.FEMA flood map, checked Nov 2, 2026
- Monthly payment (estimate)
- $8,209/mo: $5,179 loan + $1,504 tax + $151 insurance + $1,375 HOA. 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
- 1973 · 2 stories
- Days on market
- 1 day
- Price history (this listing)
- Listed Nov 1, 2026.
Details
- TypeCondo
- Beds2 bd
- Baths2
- Size1,273 sqft
- Year built1973
- PoolCommunity
- ViewGarden
- FurnishedFurnished
- NeighborhoodOCEANAGE CONDO
- ZIP33316
- MLS #A12115872
- To the beachUnder 0.1 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Beachfront Living at The Oceanage, Fort LauderdaleWelcome to your private tropical retreat, just steps from the sand, inside one of Fort Lauderdale’s most exclusive gated communities. This first-floor, garden-view residence offers 3 bedrooms and 2 full baths, with easy first-floor entry and no elevators to wait for. Wake up to peaceful views of lush tropical landscaping that give the home a calm, indoor-outdoor feel.The versatile third bedroom, with a Murphy-style bed, works as a guest room, home office, or flex space, so the home adapts to how you live.Life at The Oceanage feels like a permanent vacation. Residents enjoy a clubhouse, heated pool, beach cabana with chairs, fitness center, bike and paddleboard storage, a boat dock, on-site management, and 24/7 gated security.Whether you’re looking for a full-time home, a seasonal escape, or a smart investment, opportunities like this are rare in one of Fort Lauderdale’s most sought-after beachfront communities.Everything you want is close by: shopping, dining, and entertainment, plus Lago Mar Beach Resort & Club, the Broward County Convention Center, Fort Lauderdale-Hollywood International Airport, Port Everglades, and nearby hospitals.
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 (shaded): moderate flood risk. Outside the high-risk area but inside the 0.2% annual-chance (500-year) floodplain. Flood insurance is optional and often worth pricing. 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 1973, 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.
Condo health facts
- Building
- 1696
- Year built
- 1973 (53 years old)
- Stories
- 2
- HOA / condo fee
- $1,375/mo (from the listing, unconfirmed)
- Fee covers
- Cable TV, Internet, Maintenance Grounds, Maintenance Structure, Pest Control, Security, Trash, Water, Common Areas, Reserve Funds, Roof Repairs, Pool Service
- Pets
- Yes
- Milestone inspection
- The listing shows 2 stories. Florida's milestone inspection covers condo buildings 3+ stories, so it may not apply here - ask Zach to confirm.
- Reserve study (SIRS)
- Required for condo buildings 3+ stories; with 2 stories listed it may not apply. Ask Zach, or check the state condo database (DBPR).
Facts only, from the listing and state law. We don't grade buildings. How Florida's condo safety laws work.
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)
- Condo documents review: Florida gives you a review period after you receive the association documents
- 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
Zach will reply as soon as he can.
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 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.