Price cut $1.9M3D tour
$8,995,000
1041 W 48th Street, Miami Beach 33140
Est. $72,342/mo with 20% down incl. HOA
Listing courtesy of Coldwell Banker Realty · BeachesMLS
$9,595,0003045 N Bay Road, Miami Beach, FL 33140
Listing courtesy of Compass Florida, LLC · 305-315-2396 · BeachesMLS
Full disclosure: what this home really costs
9 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
- $9,595,000 · $2,551/sqft
- Property taxes
- $34,350/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
- 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 29, 2026
- Monthly payment (estimate)
- $68,002/mo: $52,312 loan + $15,192 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
- 2026 · 3 stories
- Days on market
- About 122 days
- Price history (this listing)
- Originally listed at $10,250,000; last price change Aug 18, 2026; listed Jul 2, 2026. Down $655,000.
Details
- TypeHouse
- Beds4 bd
- Baths4.5
- Size3,761 sqft
- Year built2026
- Parking2 garage
- PoolPrivate
- ViewOther, Pool
- NeighborhoodAMD PLAT OF SUNSET LAKE S
- ZIP33140
- MLS #A12017587
- To the beachAbout 0.9 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
A New Architectural Statement of Modern Custom Luxury on Prestigious North Bay Road.Completed in 2026 by Hartz Development, this newly constructed architectural residence presents a refined expression of modern luxury in one of Miami Beach's most coveted neighborhoods. Set on Lower North Bay Rd, the home spans 5,965 SF of total building area, including 3,761 SF under air, and features 4 bedrooms, 4 full bathrooms, and 1 powder room across three thoughtfully designed levels. Defined by clean architectural lines, soaring ceilings, floor-to-ceiling glass, and warm natural materials, the interiors are filled with light and seamlessly connect expansive living, dining, and entertaining spaces. A sculptural chef's kitchen with dramatic natural stone, custom wood cabinetry, premium integrated appliances, and a marble waterfall island.The upper level is anchored by a spectacular primary suite complete with a private sitting area, oversized custom dressing room, spa-inspired bath with a freestanding soaking tub, walk-in shower, dual vanities, and a private sauna. Outdoors, lush tropical landscaping frames a resort-style pool, covered terraces, a summer kitchen, and multiple spaces designed for effortless indoor-outdoor living. Perfectly positioned on prestigious North Bay Road, just moments from Sunset Harbour, world-class dining, shopping, and Miami Beach's iconic shoreline, this exceptional residence delivers timeless architecture, privacy, and an elevated 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 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 29, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 2026, after 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.
Similar homes in Miami Beach
Text Zach
3D tour
$7,995,000
1520 W 22nd Street, Miami Beach 33140
Est. $57,163/mo with 20% down incl. HOA
Listing courtesy of Coldwell Banker Realty · BeachesMLS
3D tour
$11,495,000
253 N Coconut Lane, Miami Beach 33139
Est. $81,369/mo with 20% down
Listing courtesy of One Sotheby's International Realty · BeachesMLS
Price cut $1M3D tour
$8,000,000
1690 Daytonia Road, Miami Beach 33141
Est. $56,781/mo with 20% down
Listing courtesy of One Sotheby's International Realty · BeachesMLS
Listing courtesy of Compass Florida, LLC · 305-315-2396 · 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, 8:35 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.