Price cut $300K3D tour
$900,000
405 SW 106th Avenue, Sweetwater 33174
Est. $6,843/mo with 20% down
Listing courtesy of London Foster Realty · BeachesMLS
$829,000225 SW 102nd Place, Sweetwater, FL 33174
Listing courtesy of United Real Estate Miami · 305-273-9000 · 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
- $829,000 · $318/sqft
- Property taxes
- $11,251/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: “Rare Next-Gen Home Opportunity in Sweetwater | 4BR/3BA | 2,605 SF | NO HOA | Versatile next-gen home in the heart of Sweetwater!”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
- Zone X: minimal flood hazard (per FEMA map). Flood insurance optional; often worth pricing.FEMA flood map, checked Oct 31, 2026
- Monthly payment (estimate)
- $6,344/mo: $4,520 loan + $1,313 tax + $511 insurance. 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
- 1977 · 1 story
- Days on market
- About 74 days
- Price history (this listing)
- Originally listed at $889,000; last price change Oct 23, 2026; listed Aug 20, 2026. Down $60,000.
Details
- TypeHouse
- Beds4 bd
- Baths3
- Size2,605 sqft
- Year built1977
- Laundryin-unit
- FurnishedUnfurnished
- NeighborhoodWEST GARDEN SUB
- ZIP33174
- MLS #A12074871
- To the beachAbout 14 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Rare Next-Gen Home Opportunity in Sweetwater | 4BR/3BA | 2,605 SF | NO HOA | Versatile next-gen home in the heart of Sweetwater! This spacious 4-bedroom, 3-bathroom single-story home offers 2,605 sq. ft. of living space on a generous 7,520 sq. ft. lot. A standout feature is the multi-gen addition, offering a private living area complete with a spacious bedroom, full bathroom, small kitchenette, living room, and its own exterior access. The space also connects to the main home from inside, providing the perfect balance of privacy and accessibility for an aging parent, adult child, extended family, guests, or flexible living arrangements. Ideally located just minutes from FIU, Dolphin Expressway, Palmetto Expressway, Florida’s Turnpike, Dolphin Mall, shopping, dining, and entertainment.
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 31, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1977, 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
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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
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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.