Price cut $61K3D tour
$368,000
355 NW 31st Street #203, Miami 33127
Est. $3,202/mo with 20% down incl. HOA
Listing courtesy of The Keyes Company - Miramar · BeachesMLS
$295,000234 NE 3rd Street #905, Miami, FL 33132
Listing courtesy of Keller Williams Realty Miami Beach · 305-695-1112 · BeachesMLS
Full disclosure: what this home really costs
11 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
- $295,000 · $431/sqft
- Property taxes
- $4,335/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
- $640/moFrom the listing, unconfirmed
- What the fee covers
- Not listed - ask Zach
- 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 28, 2026
- Monthly payment (estimate)
- $2,948/mo: $1,608 loan + $467 tax + $233 insurance + $640 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
- 2005 · 24 stories
- Days on market
- About 155 days
- Price history (this listing)
- Originally listed at $319,000; last price change Sep 30, 2026; listed Jun 2, 2026. Down $24,000.
Details
- TypeCondo
- Beds1 bd
- Baths1
- Size685 sqft
- Year built2005
- Parking1 garage
- ViewOther
- Laundryin-unit
- 55+ statusMarked 55+ in MLS - ask Zach to confirm
- NeighborhoodTHE LOFT DOWNTOWN CONDO
- ZIP33132
- MLS #A12030533
- To the beachAbout 3.4 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Located in the highly desirable The Loft Downtown, this beautifully maintained residence offers a unique opportunity to own a true one-bedroom apartment in the heart of Downtown Miami.Originally designed as a loft-style unit, the current owner thoughtfully reconfigured the layout by adding a full wall separating the living area from the bedroom, creating a genuine one-bedroom floor plan while preserving the open and modern feel of the space.The apartment is approximately 685 square feet, is in excellent condition, and features a bright living area, modern kitchen, spacious bedroom, and city views. Residents also enjoy access to a convenient laundry facility on the ground floor.The Loft is a well-managed and well-maintained building ideally located just:5 minutes from Kaseya Center (formerly American Airlines Arena)5 minutes from Miami Worldcenter20 minutes from Miami International AirportClose to Brightline, Metromover, restaurants, shopping, entertainment, and Miami's business districtThis property is an excellent option for both investors and end users seeking a centrally located Miami residence.Investment Opportunity The unit is currently leased for $2,500 per month The tenant is scheduled to vacate in December 2026, providing immediate rental income with future flexibility for owner occupancy or repositioning.A rare opportunity to own a true one-bedroom residence in one of Downtown Miami's most convenient and rapidly growing neighborhoods in Miami
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 2005, after 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
- Not listed - ask Zach
- Year built
- 2005 (21 years old)
- Stories
- 24
- HOA / condo fee
- $640/mo (from the listing, unconfirmed)
- Fee covers
- Not listed - ask Zach
- Pets
- Yes
- Milestone inspection
- Due by Dec 31, 2035 for buildings 3+ stories (local officials can require it at 25 years).
- Reserve study (SIRS)
- Condo buildings 3+ stories must have a structural integrity reserve study. Look up the building's filing in the state condo database (DBPR) or ask Zach for the document pack.
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 3, 2026, 2:05 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.