3D tour
$1,100,000
2485 NE 135th Street, North Miami 33181
Est. $8,921/mo with 20% down incl. HOA
Listing courtesy of London Foster Realty · BeachesMLS
$1,249,0002678 NE 135th Street, North Miami, FL 33181
Listing courtesy of Toth Real Estate Group · 786-402-2514 · 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 31, 2026, unless a row says otherwise.
- Price
- $1,249,000 · $607/sqft
- Property taxes
- $13,400/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
- $400/moFrom the listing, unconfirmed
- Fee covers
- Maintenance Grounds, Common Areas
- 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 VE: high-risk coastal flood area, base flood elevation 10 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Nov 1, 2026
- Monthly payment (estimate)
- $9,699/mo: $6,810 loan + $1,978 tax + $511 insurance + $400 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
- 1984 · 2 stories
- Days on market
- About 19 days
- Price history (this listing)
- Listed Oct 14, 2026.
Details
- TypeTownhouse
- Beds2 bd
- Baths3
- Size2,057 sqft
- Year built1984
- WaterfrontYes: Ocean Access, Canal Front, Intracoastal, No Fixed Bridges
- ViewCanal, Intracoastal
- FurnishedUnfurnished
- NeighborhoodHIDDEN COVE TOWNHOUSES
- ZIP33181
- MLS #A12106344
- To the beachAbout 1.4 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Boaters, your waterfront escape awaits! Enjoy Intracoastal views, a boat dock available, and ocean access with no fixed bridges. Located in Hidden Cove, a gated community of just 21 townhomes, this updated 2-bedroom, 3-bath residence offers 2,057 sq. ft. with two spacious primary suites upstairs and a full bathroom on the first floor. New aluminum roof. The kitchen features custom hardwood cabinetry, granite countertops, a breakfast nook and wet bar. Wood and laminate flooring and an upstairs washer and dryer add everyday convenience. Unwind on your waterfront deck or head out for a day of kayaking, paddleboarding or boating. Two parking spaces plus guest parking complete this North Miami waterfront retreat. Enjoy a prime North Miami location near Oleta River State Park and Haulover Sandbar, with easy access to outdoor adventures, sandy beaches and waterfront recreation. Nearby dining, shopping and everyday conveniences make Hidden Cove an ideal home base for the South Florida lifestyle.
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 VE: high-risk coastal flood area. High-risk area with wave action (a FEMA Special Flood Hazard Area). Lenders require flood insurance for federally backed mortgages here. Source: FEMA National Flood Hazard Layer, checked Nov 1, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1984, 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.
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Listing courtesy of Toth Real Estate Group · 786-402-2514 · BeachesMLS
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.