Price cut $49K3D tour
$820,000
2035 NE 123rd Street, North Miami 33181
Est. $6,280/mo with 20% down
Listing courtesy of United Real Estate Miami · BeachesMLS
$775,0002404 NE 135th Street #2404, North Miami, FL 33181
Listing courtesy of Coldwell Banker Realty · 305-672-6300 · 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
- $775,000 · $517/sqft
- Property taxes
- $3,666/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
- $756/moFrom the listing, unconfirmed
- Fee covers
- Insurance, Maintenance Grounds, Trash, Common Areas, Reserve Funds, Roof Repairs
- Special assessments
- None listed
- 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 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)
- $6,719/mo: $4,225 loan + $1,227 tax + $511 insurance + $756 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
- 1989 · 3 stories
- Days on market
- About 116 days
- Price history (this listing)
- Originally listed at $799,000; last price change Sep 29, 2026. Down $24,000.
Details
- TypeTownhouse
- Beds3 bd
- Baths3
- Size1,500 sqft
- Year built1989
- Parking1 garage
- WaterfrontYes: Ocean Access, Canal Front, Navigable Water, Seawall
- ViewWater, Canal
- NeighborhoodLE POINT CONDO
- ZIP33181
- MLS #A12050833
- To the beachAbout 1.8 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Rarely does a home like this come to market! Wake up every day to serene canal views, boat dock( not included), and enjoy unrestricted access to open water with no fixed bridges. For qualified buyers, low down payment conv financing options is available, making ownership even more attainable.This exceptional 3-bedroom, 3-bathroom townhome with a 1-car garage offers the perfect blend of waterfront living, privacy, and convenience. Soaring 18-foot ceilings flood the home with natural light, creating an open, airy atmosphere that feels both spacious and inviting. Enjoy breathtaking sunsets from the expansive waterfront deck—the perfect place to relax, entertain, or simply watch the world drift by. Two private balconies provide additional spaces to unwind and embrace the tranquil surroundings. Nestled within an intimate gated community of only 10 townhomes, this hidden gem is located on a quiet cul-de-sac street, offering peace, privacy, and a true neighborhood feel. Outdoor enthusiasts will love the nearby walking, jogging, and biking routes, while guests will appreciate the convenient guest parking. Inside, you'll find attractive laminate wood flooring, updated bathrooms, and a modern kitchen featuring stainless steel appliances. The thoughtful layout combines comfort with low-maintenance living, allowing more time to enjoy the waterfront lifestyle you've always dreamed of. With its rare combination of canal-front location, private boat dock( not included),access to private boat marina with no size limit, no fixed bridges, sunset views, spacious design, and boutique gated setting, this is truly a one-of-a-kind opportunity. There is simply nothing else like it on the market. Live where every day feels like a vacation.
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 1989, 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 1, 2026, 7:36 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.