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
$435,0003271 NW 44th Street #5, Oakland Park, FL 33309
Listing courtesy of Avila Real Estate LLC · 954-853-7048 · 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 30, 2026, unless a row says otherwise.
- Price
- $435,000 · $331/sqft
- Property taxes
- $6,673/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
- $230/moFrom the listing, unconfirmed
- Fee covers
- Pest Control, Security, Trash, Common Areas, Pool Service
- 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)
- $3,802/mo: $2,372 loan + $689 tax + $511 insurance + $230 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
- 1994 · 2 stories
- Days on market
- About 11 days
- Price history (this listing)
- Listed Oct 22, 2026.
Details
- TypeTownhouse
- Beds3 bd
- Baths2.5
- Size1,315 sqft
- Year built1994
- PoolCommunity
- WaterfrontYes: Lake Front
- ViewLake
- NeighborhoodSARTORI LAKE
- ZIP33309
- MLS #A12110944
- 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
WOW!! BEAUTIFULLY UPDATED LAKEFRONT HOME IN A GATED OAKLAND PARK COMMUNITY! Enjoy breathtaking lake views from your private back deck in this beautifully updated home offering comfort, style, and peace of mind. Major improvements include a 2024 tile roof with a 10-year warranty, a new electrical panel (2023), a tankless water heater, a 2016 Goodman AC in working condition and accordion hurricane shutters on all windows. Inside, you'll find attractive wood-look vinyl plank flooring downstairs and wood flooring upstairs. The remodeled kitchen features elegant quartz countertops and all-new appliances, while the beautifully renovated bathrooms add a modern touch. Step outside onto your private back deck, where serene lakefront views create the perfect setting for morning coffee, evening relaxation, or entertaining guests. Located in a gated community with two assigned parking spaces and an exceptionally low association fee of just $230 per month! Conveniently situated near major highways, shopping, dining, and entertainment, with South Florida's beautiful beaches just a few miles away. Updated, lakefront, gated, and affordable—this Oakland Park gem checks all the boxes! HOA just $230 and includes exterior painting, security and common area maintenance. Furniture negotiable.
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 1994, 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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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, 6:06 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.