3D tour
$548,900
4321 NW 12th Terrace, Oakland Park 33309
Est. $4,373/mo with 20% down
Listing courtesy of Pina Realty Group Inc. · BeachesMLS
$615,0003497 NE 20th Avenue, Oakland Park, FL 33306
Listing courtesy of EXP Realty, LLC. · 954-281-9543 · 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 Nov 1, 2026, unless a row says otherwise.
- Price
- $615,000 · $416/sqft
- Property taxes
- $5,386/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 $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 AE: high-risk flood area, base flood elevation 6 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 30, 2026
- Monthly payment (estimate)
- $4,838/mo: $3,353 loan + $974 tax + $511 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
- 1961 · 1 story
- Days on market
- About 94 days
- Price history (this listing)
- Listed Jul 31, 2026.
Details
- TypeHouse
- Beds2 bd
- Baths2
- Size1,478 sqft
- Year built1961
- Parking1 garage
- ViewGarden
- FurnishedUnfurnished
- NeighborhoodCORAL WOODS
- ZIP33306
- MLS #A12061776
- 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
Beautifully maintained 2-bedroom, 2-bath single-family home w/ a dedicated office/flex room and 1-car garage, ideally located just 1.5 miles from Fort Lauderdale’s beautiful beaches & minutes from Downtown Oakland Park. Featuring all-new PGT impact windows and doors throughout, this light-filled home offers an open layout, new recessed lighting (2021), updated fixtures, custom ceiling fans, a tankless water heater, new air ducts (2019), & a large hall storage room. The kitchen features ss appliances, a cooktop, wall oven, and ample storage. The primary bedroom offers an en-suite bath and a private exterior entrance, providing excellent flexibility for guests, or income-producing potential. The spacious second bedroom includes abundant natural light, a large closet, & a custom ceiling fan. A flexible office/ storage room is ideal as a home office, den, guest room, or potential third bedroom. Flooring includes tile, terrazzo, and laminate wood. Original terrazzo flooring has been preserved beneath the existing flooring, offering the opportunity to restore this classic Florida feature if desired. A Samsung washer and dryer are included. The spacious Florida room features floor-to-ceiling impact sliding glass doors overlooking a private, lush tropical backyard with room for a pool. Enjoy the best of South Florida living, just minutes from Fort Lauderdale’s beaches, Downtown Oakland Park, dining, breweries, shopping and the famous Mai-Kai Restaurant & Polynesian show. A must-see!
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 30, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1961, 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, 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.