
Listing courtesy of One Sotheby's International Realty · BeachesMLS
Zach Curtis, REALTOR®, Realty Hub, license SL3664129 · 754-332-7529
Listing courtesy of Fisher McClellan Real Estate · 754-220-4119 · BeachesMLS
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 Oct 15, 2026, unless a row says otherwise.























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Be one of the fortunate few to own one of the 59 private single-family homes in the maintained enclave of Breakwater Surf Club. This charming, light, bright and airy abode is literally "200 footsteps" from the secluded Harbor Beach public beach access. A meticulously & lovingly maintained mid-century residence with updates throughout the years and ready for its lucky new owner. You'll be totally captivated the moment you step past the front gate into the tropical & lushly landscape outdoor living areas where you can relax & entertain the days/evenings away. A 3 Bed/2 Bath home boasting large windows allowing natural light & tropical breezes to abound. The very low HOA dues cover the clubhouse, pool, lawncare & the exterior painting of the house. A true "turn the key & go" lifestyle!
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.
We don't show crime scores or rate neighborhoods. Every listing is open to everyone.
Nothing here is a binding offer. Zach calls you, checks the comps and writes the contract with you.
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Listing courtesy of One Sotheby's International Realty · BeachesMLS
Listing courtesy of La Playa Properties Group Inc · BeachesMLS
Listing courtesy of Vreeland Real Estate LLC · BeachesMLS
Listing courtesy of London Foster Realty · BeachesMLS
Listing courtesy of Fisher McClellan Real Estate · 754-220-4119 · BeachesMLS
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.