Price cut $16K3D tour
$399,000
3245 NW 31st Terrace, Oakland Park 33309
Est. $3,596/mo with 20% down incl. HOA
Listing courtesy of United Realty Group Inc. · BeachesMLS
$365,0003239 NW 44th Street #6, Oakland Park, FL 33309
Listing courtesy of Lifestyle International Realty · 305-809-8085 · 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 Nov 2, 2026, unless a row says otherwise.
- Price
- $365,000 · $279/sqft
- Property taxes
- $7,352/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
- $217/moFrom the listing, unconfirmed
- Fee covers
- Maintenance Grounds, Trash, Water, 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 X: minimal flood hazard (per FEMA map). Flood insurance optional; often worth pricing.FEMA flood map, checked Nov 2, 2026
- Monthly payment (estimate)
- $3,331/mo: $1,990 loan + $613 tax + $511 insurance + $217 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
- 1993 · 2 stories
- Days on market
- About 2 days
- Price history (this listing)
- Listed Nov 1, 2026.
Details
- TypeTownhouse
- Beds3 bd
- Baths2.5
- Size1,308 sqft
- Year built1993
- Parking1 garage
- PoolCommunity
- ViewGarden
- NeighborhoodSARTORI LAKE
- ZIP33309
- MLS #A12115498
- To the beachAbout 5.7 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
LAKEFRONT LIVING IN A GATED COMMUNITY! Discover the perfect blend of comfort, style, and lifestyle in this beautifully updated 3-bedroom, 2.5-bathroom townhome in the desirable Montage by the Lake community of Oakland Park! Offering 1,308 sq. ft. of living space and the added convenience of a 1-car garage, this inviting home features bright interiors, soaring vaulted ceilings, attractive flooring, spacious living and dining areas, and an updated kitchen with sleek countertops and stainless steel appliances. Enjoy beautifully updated bathrooms and a charming enclosed patio perfect for morning coffee or evening relaxation. What truly sets this home apart is the opportunity to enjoy life alongside the lake! Picture weekend afternoons spreading out a picnic blanket, enjoying lunch with family, watching the sunlight dance across the water, or unwinding outdoors as the day winds down. Whether it's a peaceful morning escape, quality time with loved ones, or simply enjoying the beauty of the water just steps from your building, this community offers a refreshing change of pace. Residents also enjoy access to a community swimming pool. Conveniently located near shopping, dining, and major roadways, this home is ideal for first-time buyers, downsizers, or anyone looking to embrace the best of South Florida living. FHA/VA buyers welcome. Come home to more than a property—come home to a 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 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 2, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1993, 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
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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 2, 2026, 4:36 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.