3D tour
$4,000,000
160 NW 27th Street, Miami 33127
Est. $28,639/mo with 20% down
Listing courtesy of Exemplar Realty, LLC · BeachesMLS
$4,295,0001720 Espanola Drive, Miami, FL 33133
Open house: Oct 31, 2026, 5:00 PM to 7:00 PM
Listing courtesy of Luxe Properties · 305-809-7650 · 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
- $4,295,000 · $1,390/sqft
- Property taxes
- $13,242/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 $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 X: minimal flood hazard (per FEMA map). Flood insurance optional; often worth pricing.FEMA flood map, checked Oct 28, 2026
- Monthly payment (estimate)
- $30,714/mo: $23,416 loan + $6,800 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
- 1925 · 2 stories
- Days on market
- About 244 days
- Price history (this listing)
- Originally listed at $4,500,000; last price change Aug 30, 2026; listed Mar 2, 2026. Down $205,000.
Details
- TypeHouse
- Beds5 bd
- Baths4
- Size3,090 sqft
- Year built1925
- Parking1 garage
- PoolPrivate
- ViewGarden
- 55+ statusMarked 55+ in MLS - ask Zach to confirm
- NeighborhoodESPANOLA HEIGHTS
- ZIP33133
- MLS #A11974471
- 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
Inspired by early Miami Old Spanish architecture, this modern estate integrates the best of old-world soul with heavy-duty engineering. While public records state 1925, the estate functions as modern construction following massive ground-up structural reconstructions spanning 1999 to 2023. Perched 16ft above sea level in a preferred X Flood Zone (no insurance required), it features full impact glass, concrete-reinforced expansions, and 400-Amp industrial power. Total estate footprint includes 3,090 SF main home + detached multi-use guest cottage + climate-controlled garage w/ Tesla charger + expansive terrace equalling 4000 sq ft of living space. Meticulously updated (Roof 2018, HVACs 2023, Plumbing/Electric overhauled), the interior marries contemporary high-end finishes with historic warmth. Complete with a sparkling pool and lush, pesticide-free native gardens, this private Coconut Grove oasis is engineered to stand for another century. True reconstruction timeline available in attachments.
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 Oct 28, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1925, 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
Zach typically replies within 15 minutes, 8 AM to 9 PM ET. After hours, by 9 AM.
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.