3D tour
$199,000
498 NW 165th St Road #D205, Miami 33169
Est. $2,385/mo with 20% down incl. HOA
Listing courtesy of Direct Realty Solutions · BeachesMLS
$225,00020805 NE 8th Court #101-21, Miami, FL 33179
Listing courtesy of TruDeals Realty Corp · 833-878-3325 · 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 19, 2026, unless a row says otherwise.
- Price
- $225,000 · $235/sqft
- Property taxes
- $362/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
- $381/moFrom the listing, unconfirmed
- Fee covers
- Cable TV, Maintenance Grounds, Security, Roof Repairs
- Special assessments
- None listed
- Mandatory club / membership
- Not required per the MLS
- Insurance (estimate)
- About $2,801/yr (HO-6 condo 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 29, 2026
- Monthly payment (estimate)
- $2,197/mo: $1,227 loan + $356 tax + $233 insurance + $381 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 163 days
- Price history (this listing)
- Listed May 23, 2026.
Details
- TypeCondo
- Beds2 bd
- Baths2
- Size956 sqft
- Year built1984
- Parking2 spaces
- ViewOther
- Laundryin-unit
- NeighborhoodMONTEREY TWO CONDO
- ZIP33179
- MLS #B26032220
- To the beachAbout 4.2 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Welcome to this beautifully maintained residence in the heart of Miami! This inviting home combines comfort, style, and convenience with a thoughtfully designed layout and tasteful updates throughout. The standout feature is the beautifully renovated kitchen, showcasing modern cabinetry, sleek countertops, updated appliances, and a functional design perfect for both everyday living and entertaining. Bright and spacious living areas are filled with natural light, creating a warm and welcoming atmosphere. The generously sized bedrooms provide comfort and privacy, while the overall layout offers easy, low-maintenance living ideal for full-time residents, seasonal owners, or investors alike. Located in a convenient Miami location, residents enjoy easy access to a variety of local activities and attractions. Spend the day shopping and dining at nearby Aventura Mall, explore the beaches just a short drive away, or enjoy outdoor recreation at Greynolds Park and Oleta River State Park. The area also offers quick access to major highways, airports, entertainment venues, golf courses, and vibrant South Florida nightlife. Whether you're relaxing at home or exploring everything the area has to offer, this move-in ready property is the perfect opportunity to enjoy the South Florida lifestyle!
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 29, 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.
Condo health facts
- Building
- 21
- Year built
- 1984 (42 years old)
- Stories
- 2
- HOA / condo fee
- $381/mo (from the listing, unconfirmed)
- Fee covers
- Cable TV, Maintenance Grounds, Security, Roof Repairs
- Pets
- Yes, Pet Restrictions Possible
- Milestone inspection
- The listing shows 2 stories. Florida's milestone inspection covers condo buildings 3+ stories, so it may not apply here - ask Zach to confirm.
- Reserve study (SIRS)
- Required for condo buildings 3+ stories; with 2 stories listed it may not apply. Ask Zach, or check the state condo database (DBPR).
Facts only, from the listing and state law. We don't grade buildings. How Florida's condo safety laws work.
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)
- Condo documents review: Florida gives you a review period after you receive the association documents
- 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.