zach.homesRealty Hub 754-332-7529

Zach Curtis, REALTOR®, Realty Hub, license SL3664129 · 754-332-7529

$415,5002020 Rutland Street, Opa-Locka, FL 33054

2 bd · 1 ba · 725 sqft · Price cut $9,500 · On the market about 50 days · Active

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 27, 2026, unless a row says otherwise.

Price
$415,500 · $573/sqft
Property taxes
$5,816/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: “Impact windows and doors offer added peace of mind, and there is no HOA.”Listing remarks, word for word, unconfirmed
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 $6,136/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
Not listed - ask Zach
Monthly payment (estimate)
$3,216/mo: $2,047 loan + $658 tax + $511 insurance. 20% down, 6.25% rate, 30 years. Change the numberszach.homes calculator (not a loan offer)
Year built
1950 · 1 story
Days on market
About 50 days
Price history (this listing)
Originally listed at $425,000; last price change Sep 29, 2026; listed Sep 8, 2026. Down $9,500.
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Details

  • TypeHouse
  • Beds2 bd
  • Baths1
  • Size725 sqft
  • Year built1950
  • ViewGarden
  • NeighborhoodMAGNOLIA GARDENS CONSOLID
  • ZIP33054
  • MLS #A12085170
  • To the beachAbout 6.9 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)

Check your commute (opens maps)

From the listing

PRICE IMPROVEMENT- Home is priced to sell! Welcome to 2020 Rutland St, a thoughtfully updated 2-bedroom, 1-bath home offering modern finishes and inviting indoor-outdoor living. Step inside to a bright, open layout with tile flooring throughout, recessed lighting, and natural light. The updated kitchen features white cabinetry, stainless steel appliances, and a convenient dining area. Both bedrooms are bright and comfortable, while the updated bathroom offers a clean, modern feel. The A/C and kitchen appliances were updated in 2023, and a separate laundry room includes a washer and dryer less than a year old.Outside, enjoy a spacious fenced yard featuring a private patio oasis with café lighting and plenty of room for dining, entertaining, expansion, gardening, or play. A storage shed adds extra convenience, while the generous front yard and private driveway provide ample parking. Impact windows and doors offer added peace of mind, and there is no HOA. Whether you’re a first-time homebuyer looking for a move-in-ready place to call your own or an investor seeking a great opportunity, this home is one you won’t want to miss. Schedule your showing today!

Virtual tour

Monthly payment calculator

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.

Estimate closing costs for this home

Florida risk facts

Flood zone
Not checked yet. Look it up on FEMA's map or ask Zach.
Wind and building code
Built in 1950, 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

  1. Pre-approval letter or proof of funds (cash)
  2. The price you'd offer and your deposit
  3. Financing type and closing date
  4. Inspection period you want (often 10-15 days)
  5. A signed buyer agreement with Zach (Florida practice before touring or offering)

Rather not check the box? That's fine. Zach will call or email instead.

Zach replies personally within 15 minutes, 8 AM to 9 PM ET, 7 days. Outside those hours, by 9 AM. Your info goes to Zach only. Never sold, never shared. You choose how he reaches you, and STOP always works.

Nothing here is a binding offer. Zach calls you, checks the comps and writes the contract with you.

Tour 2020 Rutland Street, Opa-Locka, FL 33054

Pick a time; same-day tours when the listing side allows. Zach confirms with the listing agent and texts you. Before a buyer tour Zach sends a short, plain-language buyer agreement to sign.

Pick a day

Same-day: 21 times left today, soonest 9:00 AM.

Rather not check the box? That's fine. Zach will call or email instead.

Zach replies personally within 15 minutes, 8 AM to 9 PM ET, 7 days. Outside those hours, by 9 AM. Your info goes to Zach only. Never sold, never shared. You choose how he reaches you, and STOP always works.

Ask Zach anything

One tap opens a text with this address filled in.

Is it still available?What's the HOA really?Can I see it today?What would you offer?

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

  1. 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.
  2. Tour it
    Same day when the listing side allows, in person or live video.
  3. 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.
  4. Make the offer or apply
    Zach writes the offer or the application, negotiates, and handles the association approval.
  5. 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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Listing courtesy of Luxe Properties · 305-809-7650 · 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 Oct 27, 2026, 4:51 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.

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