3D tour
$225,000
13499 Biscayne Boulevard #1505, North Miami 33181
Est. $2,699/mo with 20% down incl. HOA
Listing courtesy of Direct Realty Solutions · BeachesMLS
$229,0002640 NE 135th Street #415, North Miami, FL 33181
Listing courtesy of Silver Sky Realty, LLC · 954-727-9115 · 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 26, 2026, unless a row says otherwise.
- Price
- $229,000 · $227/sqft
- Property taxes
- $4,437/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
- $632/moFrom the listing, unconfirmed
- Fee covers
- Sewer, Water, Elevator, Reserve Funds, Roof Repairs
- Special assessments
- None listed
- Mandatory club / membership
- Not required per the MLS
- Insurance (estimate)
- About $1,816/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
- Not listed - ask Zach
- Monthly payment (estimate)
- $2,281/mo: $1,128 loan + $370 tax + $151 insurance + $632 HOA. 20% down, 6.25% rate, 30 years. Change the numberszach.homes calculator (not a loan offer)
- Year built
- 1972 · 4 stories
- Days on market
- About 2 days
- Price history (this listing)
- Listed Oct 26, 2026.
Details
- TypeCondo
- Beds2 bd
- Baths1.5
- Size1,010 sqft
- Year built1972
- Parking1 garage
- PoolCommunity
- WaterfrontYes: Ocean Access, Canal Front
- ViewOther, Skyline
- FurnishedUnfurnished
- NeighborhoodKEYSTONE BAY CONDO
- ZIP33181
- MLS #A12112889
- To the beachAbout 1.5 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Discover this beautifully renovated 1-bedroom en, plus DEN, 1.5 bathroom residence on highly desirable NE 135th Street in North Miami. Featuring elegant flooring throughout, beautifully updated bathrooms, and a bright, open-concept layout, this apartment offers both style and comfort.Located in an exclusive, boutique style four story building, the property offers an intimate living environment complemented by desirable waterfront amenities, including a boat dock available for rent, a swimming pool, and a sun deck, perfect for enjoying the South Florida lifestyle.An excellent opportunity for both homeowners and investors! The unit is currently through December 1, 2026, and the current tenant would like to continue renting, offering a potential opportunity for rental income from day one, subject to a new lease agreement.The building is undergoing its 40-year recertification process, and no additional special assessments are anticipated, according to the information provided by the seller. Seller paid the Special assesments.Enjoy a sought-after North Miami location with convenient access to shopping, dining, major roadways, and waterfront attractions.Whether you're looking for a charming place to call home or a promising investment property, this renovated residence is an opportunity worth exploring!
Monthly payment calculator
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
- Not checked yet. Look it up on FEMA's map or ask Zach.
- Wind and building code
- Built in 1972, 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
- Not listed - ask Zach
- Year built
- 1972 (54 years old)
- Stories
- 4
- HOA / condo fee
- $632/mo (from the listing, unconfirmed)
- Fee covers
- Sewer, Water, Elevator, Reserve Funds, Roof Repairs
- Pets
- Yes
- Milestone inspection
- This building is 54 years old. Florida requires a milestone structural inspection for condo buildings 3+ stories by Dec 31 of the year they turn 30 (local officials can require it at 25), then every 10 years. Ask Zach for the report.
- 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 replies personally within 15 minutes, 8 AM to 9 PM ET, 7 days. Outside those hours, by 9 AM.
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 typically replies within 15 minutes, 8 AM to 9 PM ET. After hours, by 9 AM.
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 Oct 27, 2026, 4:51 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.