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
$1,925,00020251 W Oak Haven Circle, Miami, FL 33179
Listing courtesy of AG Lux Group · 917-655-0408 · BeachesMLS
Full disclosure: what this home really costs
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 30, 2026, unless a row says otherwise.
- Price
- $1,925,000 · $411/sqft
- Property taxes
- $7,111/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
- $1,100/moFrom the listing, unconfirmed
- Fee covers
- Security, Common Areas
- 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 X: minimal flood hazard (per FEMA map). Flood insurance optional; often worth pricing.FEMA flood map, checked Oct 28, 2026
- Monthly payment (estimate)
- $15,141/mo: $10,495 loan + $3,048 tax + $498 insurance + $1,100 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
- 1985 · 2 stories
- Days on market
- About 215 days
- Price history (this listing)
- Originally listed at $1,850,000; last price change Oct 12, 2026; listed Mar 31, 2026.
Details
- TypeHouse
- Beds5 bd
- Baths6
- Size4,685 sqft
- Year built1985
- Parking6 garage
- PoolCommunity
- ViewOther
- NeighborhoodOAK HAVEN SUB SEC 3
- ZIP33179
- MLS #A11994628
- To the beachAbout 2.8 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Stunning entry with large mahogany double doors and high ceiling foyer entry. This 5 bedrooms with 5 full and 2 half baths home features a true chefs kitchen by Mia Cucina featuring lighted glass and wood cabinetry, dual sinks, two dishwashers, SubZero refrigerator, Viking gas oven, Miele double oven and an array of extras for the chef in the family. The formal dining room has recessed lighting with wood beam accents. The eat-in kitchen has a view of the courtyard. And, adjacent to the kitchen is a temperature controlled wine cellar holds up to 1900 bottles. The center courtyard is accessible from a variety of different living areas which brings in a lot of natural light throughout. A major highlight is a custom built separate bar room nestled at the end of the courtyard. The courtyard gives entry to a private gate which allows access to the common areas which creates a large backyard feel.The first floor has a possible maids quarters with full bath. Also, a large den that can be used as a media room. Skylights and mahogany doors are found throughout the house. Space for a private elevator. Upstairs you will find a large master bedroom with a separate sitting area and private sauna. The office and gym can be converted to a large bedroom. The junior suite has walk in closet with a large bathroom. The private community has a heated pool, tennis courts, pickleball courts, a dog park, security gate, a community center, a park, basketball, and soccer.
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 Oct 28, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1985, 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.