Price cut $50K3D tour
$945,000
1000 NW N River Drive #16, Miami 33136
Est. $7,481/mo with 20% down incl. HOA
Listing courtesy of ByOwner.Com · BeachesMLS
$1,125,0003657 SW 23rd Terrace #3655, Miami, FL 33145
Listing courtesy of Compass Florida, LLC · 305-851-2820 · BeachesMLS
Full disclosure: what this home really costs
10 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
- $1,125,000 · $513/sqft
- Property taxes
- $13,157/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
- None per the listing: “Beautifully maintained 2008 two-story townhome located in the Coral Gables area, offering a spacious layout, desirable features, and the added benefit of NO monthly HOA fee.”Listing remarks, word for word, unconfirmed
- 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 X: minimal flood hazard (per FEMA map). Flood insurance optional; often worth pricing.FEMA flood map, checked Nov 1, 2026
- Monthly payment (estimate)
- $8,412/mo: $6,133 loan + $1,781 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
- 2008 · 2 stories
- Days on market
- About 26 days
- Price history (this listing)
- Listed Oct 7, 2026.
Details
- TypeTownhouse
- Beds3 bd
- Baths2.5
- Size2,191 sqft
- Year built2008
- Parking1 garage
- ViewOther
- NeighborhoodAMD MIAMI SUBURBAN AC
- ZIP33145
- MLS #A12100431
- To the beachAbout 6.7 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Beautifully maintained 2008 two-story townhome located in the Coral Gables area, offering a spacious layout, desirable features, and the added benefit of NO monthly HOA fee. This 3-bedroom, 2.5-bath residence includes a private one-car garage and plenty of living space for both everyday comfort and entertaining.The main living area is generously sized and filled with natural light, creating a warm and inviting atmosphere throughout the home. The kitchen features brand-new stainless steel appliances, while the spacious primary suite offers a large private balcony and an en-suite bathroom with the convenience of both a separate shower and bathtub.Enjoy Miami's outdoor lifestyle from the rear patio, providing a versatile space for relaxing, entertaining guests, or enjoying your morning coffee. The home's thoughtful layout and well-maintained condition make it move-in ready and comfortable for everyday living.Ideally situated near Coral Gables, this home is within walking distance of the popular Miracle Mile, offering an excellent selection of restaurants, cafés, shops, and entertainment. Enjoy the convenience of having dining and lifestyle options close to home while remaining near everything Coral Gables and Miami have to offer.
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 2008, 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
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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 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.