Price cut $105K3D tour
$3,890,000
4027 194th Trail, Sunny Isles Beach 33160
Est. $28,665/mo with 20% down incl. HOA
Listing courtesy of Douglas Elliman · BeachesMLS
$5,149,000235 Atlantic Avenue, Sunny Isles Beach, FL 33160
Listing courtesy of Toth Real Estate Group · 786-402-2514 · 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 Nov 2, 2026, unless a row says otherwise.
- Price
- $5,149,000 · $1,546/sqft
- Property taxes
- $9,113/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
- $25/mo (listed as $300 annually)From 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 AE: high-risk flood area, base flood elevation 8 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 30, 2026
- Monthly payment (estimate)
- $36,748/mo: $28,072 loan + $8,153 tax + $498 insurance + $25 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
- 1956 · 2 stories
- Days on market
- About 112 days
- Price history (this listing)
- Originally listed at $5,495,000; last price change Sep 17, 2026; listed Jul 13, 2026. Down $346,000.
Details
- TypeHouse
- Beds5 bd
- Baths4
- Size3,330 sqft
- Year built1956
- Parking1 garage
- WaterfrontYes: Deeded Beach Access, Ocean Access, Canal Front, Intracoastal, No Fixed Bridges
- ViewCanal
- 55+ statusMarked 55+ in MLS - ask Zach to confirm
- NeighborhoodATLANTIC ISLAND
- ZIP33160
- MLS #A12053241
- To the beachAbout 0.2 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
RARE WATERFRONT + BEACH OPPORTUNITY ON EXCLUSIVE ATLANTIC ISLAND! Experience the best of both worlds at 235 Atlantic Avenue in Sunny Isles Beach—boating from your backyard and deeded beach access just across the street. This waterfront residence features a private dock with boat lift and direct ocean access with no fixed bridges. The resident-only beach access includes storage and a barbecue/picnic area, creating an exceptional South Florida lifestyle.Inside, a bright open floor plan offers generous spaces for everyday living and entertaining, including a spacious first-floor great room and an upstairs media lounge. The expansive primary suite features a sitting/office area and wraparound balcony.Comfortable, well maintained and move-in ready, the property also presents an outstanding opportunity to renovate, reimagine or create your dream waterfront residence. Enjoy Sunny Isles Beach living where the ocean is out front and your boat is out back—a rare combination in an exceptional location.Some photos have been virtually staged and/or digitally enhanced for marketing purposes.
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 AE: high-risk flood area. A FEMA Special Flood Hazard Area (about a 1% chance of flooding each year). Lenders require flood insurance for federally backed mortgages here. Source: FEMA National Flood Hazard Layer, checked Oct 30, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1956, 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.
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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.