3D tour
$199,000
498 NW 165th St Road #D205, Miami 33169
Est. $2,385/mo with 20% down incl. HOA
Listing courtesy of Direct Realty Solutions · BeachesMLS
$229,0001740 N River Drive #419, Miami, FL 33125
Listing courtesy of Optimar International Realty · 305-947-0477 · 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 Nov 2, 2026, unless a row says otherwise.
- Price
- $229,000 · $361/sqft
- Property taxes
- $2,584/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
- $418/moFrom the listing, unconfirmed
- Fee covers
- Maintenance Grounds, Hot Water, Pool Service
- Special assessments
- Yes – amount not listed, ask Zach
- Mandatory club / membership
- Not required per the MLS
- Insurance (estimate)
- About $2,801/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
- Not listed - ask Zach
- Monthly payment (estimate)
- $2,263/mo: $1,249 loan + $363 tax + $233 insurance + $418 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
- 1986 · 6 stories
- Days on market
- About 97 days
- Price history (this listing)
- Listed Jul 30, 2026.
Details
- TypeCondo
- Beds1 bd
- Baths1
- Size634 sqft
- Year built1986
- Parking2 garage
- PoolCommunity
- ViewGarden, Other
- 55+ statusMarked 55+ in MLS - ask Zach to confirm
- NeighborhoodSERENITY ON THE RIVER CON
- ZIP33125
- MLS #A12064349
- MapMap location not available
From the listing
This is a great value apartment with this cozy one-bedroom, one-bathroom in the Serenity on the River Condominiums in Miami. This practical and comfortable space offers a simple yet inviting living area and a functional kitchen with essential appliances. The apartment provides a comfortable space to relax and recharge, complemented by a clean and efficient bathroom. This unit is an excellent opportunity for those seeking an affordable yet comfortable living space in Miami. Residents benefit from access to basic amenities, including a pool and a fitness center, adding to the convenience of this well-priced unit. Its location near Downtown Miami, Airport, Hospital, makes it an ideal choice for anyone looking to enjoy city living. It's a good investment.
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
- Not checked yet. Look it up on FEMA's map or ask Zach.
- Wind and building code
- Built in 1986, 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
- Not listed - ask Zach
- Year built
- 1986 (40 years old)
- Stories
- 6
- HOA / condo fee
- $418/mo (from the listing, unconfirmed)
- Fee covers
- Maintenance Grounds, Hot Water, Pool Service
- Pets
- Yes
- Milestone inspection
- This building is 40 years old. Florida requires a milestone structural inspection for condo buildings 3+ stories by Dec 31 of the year they turn 30 (local officials can require it at 25), then every 10 years. Ask Zach for the report.
- Reserve study (SIRS)
- Condo buildings 3+ stories must have a structural integrity reserve study. Look up the building's filing in the state condo database (DBPR) or ask Zach for the document pack.
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 3, 2026, 2:05 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.