Price cut $124K3D tour
$875,700
2865 NW 22nd Avenue, Miami 33142
Est. $6,659/mo with 20% down
Listing courtesy of Pinnacle Realty of Florida Corp · BeachesMLS
$998,0002790 SW 26th Street, Miami, FL 33133
Listing courtesy of Luxury Real Estate Group LLC · 561-929-7304 · BeachesMLS
Full disclosure: what this home really costs
8 of 11 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
- $998,000 · $419/sqft
- Property taxes
- $13,468/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
- Not listed - ask Zach
- What the fee covers
- Not listed - ask Zach
- Special assessments
- Not listed - ask Zach
- 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 X: minimal flood hazard (per FEMA map). Flood insurance optional; often worth pricing.FEMA flood map, checked Nov 1, 2026
- Monthly payment (estimate)
- $7,519/mo: $5,441 loan + $1,580 tax + $498 insurance. 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
- 1980 · 1 story
- Days on market
- About 22 days
- Price history (this listing)
- Originally listed at $1,100,000; last price change Oct 25, 2026; listed Oct 11, 2026. Down $102,000.
Details
- TypeMulti-family
- Size2,381 sqft
- Year built1980
- NeighborhoodTHE PINES
- ZIP33133
- MLS #A12104432
- To the beachAbout 5.8 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Rare opportunity to own a duplex in a highly desirable PRIME Miami location - The Pines subdivision! Situated on an oversized 7,500 SF lot, this property offers excellent flexibility for homeowners, investors, or business owners. The updated rear unit features 3 bedrooms and 2 baths with newer wood kitchen cabinets, appliances, granite countertops, luxury vinyl wood flooring, and newer bathroom vanities with modern fixtures and marble stone tops. Enjoy spacious bedrooms, a living room, dining room, family room, and a convenient laundry/storage room. Primary bedroom has a private en suite bathroom. The large private fenced in backyard offers access to the rear street. This tree shaded yard provides an excellent space to park work trucks, business vehicles, or additional vehicles. Rear unit allows parking space for 4 vehicles.The front unit offers 2 bedrooms and 1 bath with spacious living area, eat-in kitchen, and separate laundry/storage room. It also has a private fenced in yard. Front unit allows parking space for 2 vehicles.Live in one unit while renting the other to help offset your mortgage or generate rental income—or rent both units for added investment potential.Conveniently located near Coral Gables, Coconut Grove, US-1, Metrorail, Brickell, Downtown Miami, and Little Havana, with easy access to shopping, dining, transportation, and major employment centers. Tenants pay for their own utilities. Duplex has separate electric and water meters. Don't miss this exceptional opportunity to own a versatile income-producing property in a sought-after Miami location!
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 Nov 1, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1980, 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
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 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.