3D tour
$1,520,000
19810 NE 22nd Avenue, Miami 33180
Est. $11,192/mo with 20% down
Listing courtesy of Concrete Realty, LLC. · BeachesMLS
$1,765,00020205 W Oak Haven Circle, Miami, FL 33179
Listing courtesy of Daniel S Whitebook R.E Broker · 954-922-2811 · BeachesMLS
Full disclosure: what this home really costs
10 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 30, 2026, unless a row says otherwise.
- Price
- $1,765,000 · $362/sqft
- Property taxes
- $14,368/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
- $975/moFrom the listing, 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 $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 Nov 1, 2026
- Monthly payment (estimate)
- $13,891/mo: $9,623 loan + $2,795 tax + $498 insurance + $975 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
- 1984 · 2 stories
- Days on market
- About 25 days
- Price history (this listing)
- Originally listed at $1,800,000; last price change Oct 28, 2026; listed Oct 7, 2026. Down $35,000.
Details
- TypeHouse
- Beds5 bd
- Baths5.5
- Size4,881 sqft
- Year built1984
- Parking2 garage
- PoolPrivate
- ViewTennis
- NeighborhoodOAK HAVEN SUB SEC 3
- ZIP33179
- MLS #A12102397
- To the beachAbout 2.9 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Nestled in the exclusive, guard-gated Chateaux Estates of North Miami Beach, this thoughtfully refreshed home spans nearly 5,000 square feet and is ready for the next chapter of family life. A brand-new flat roof and fresh paint throughout add to its move-in-ready appeal, and there is no backyard maintenance.The residence offers five bedrooms and five and a half baths: four bedrooms upstairs and one downstairs. Downstairs, an open living layout centers on a kosher kitchen with separate prep zones, a bright eat-in breakfast nook, and a connected family room. Formal living and dining spaces, plus a polished bar for entertaining, round out the main level, along with a playroom, laundry, and a two-car garage. Outside, a patio area is set up for private barbecues.Upstairs, the primary suite features beamed ceilings, a sitting area, and a spa-style bath. Each child’s room has its own bathroom, and one includes a playful hidden loft. The community amenities include tennis, a pool, basketball, and a playground. Houses of worship are within walking distance, with private and public schools and after-school programs nearby. Strong value, and a pleasure 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 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 Nov 1, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1984, 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.