3D tour
$729,800
398 NE 5th Street #4006, Miami 33132
Est. $5,683/mo with 20% down incl. HOA
Listing courtesy of KWG Realty Group LLC · BeachesMLS
$945,0001765 NE 145th Street, Miami, FL 33181
Listing courtesy of United Real Estate Advisors · 954-384-2326 · 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 Oct 31, 2026, unless a row says otherwise.
- Price
- $945,000 · $457/sqft
- Property taxes
- $9,519/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
- None per the listing: “No association or city fees.”Listing remarks, word for word, unconfirmed
- What the fee covers
- Not listed - ask Zach
- Special assessments
- None listed
- 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 AE: high-risk flood area, base flood elevation 7 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 28, 2026
- Monthly payment (estimate)
- $7,146/mo: $5,152 loan + $1,496 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
- 1953 · 1 story
- Days on market
- About 279 days
- Price history (this listing)
- Originally listed at $1,190,000; last price change Sep 21, 2026. Down $245,000.
Details
- TypeHouse
- Beds4 bd
- Baths3
- Size2,066 sqft
- Year built1953
- Parking4 garage
- PoolPrivate
- ViewPool
- NeighborhoodARCH CREEK ESTATES
- ZIP33181
- MLS #A11953725
- To the beachAbout 2.6 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
New Price!!Just became an even better opportunity, don't miss out before it's gone, exceptional value for this stunning fully Remodeled Oasis. This 4 bd, 3 bath, huge lot with gorgeous pool masterpiece features a meticulously refinished interior with modern flooring, custom closets and a gourmet kitchen. Flooring, kitchen and all bathrooms renovated in 2024. Brand new air conditioning installed in 2024, as well as the pool pump. 3-year-old water heater. Step outside to a private fenced paradise boasting a sparkling pool and a lush backyard filled with mango, avocado, citrus and banana trees. The property includes a unique outdoor pool bathroom and a versatile air-conditioned small structure, perfect for a home office, gym or even an in-law suite. Newly 2023 Impact doors and windows through the house. 8-year-old roof, no issues. 5 -minute drive to the most beautiful beaches like Sunny Isles and Haulover beach, offering an array of restaurants and fun activities. No association or city fees. Dual-purpose perfection, this home offers an exceptional luxury lifestyle for your family and it can also be a turnkey potential for lucrative short-term, rental revenue. Fully approved for Airbnb, it seamlessly blends personal comfort with high-yield financial return. Whether you're looking for your dream home or a smart investment, now is the time to visit. Easy to show!
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 AE: 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 28, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1953, 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
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.