Price cut $75K3D tour
$1,100,000
3506 NE 166th Street #4, North Miami Beach 33160
Est. $8,807/mo with 20% down incl. HOA
Listing courtesy of One Sotheby's International Realty · BeachesMLS
$885,0003726 NE 166th Street #116, North Miami Beach, FL 33160
Listing courtesy of Compass Florida, LLC · 954-477-7332 · 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
- $885,000 · $457/sqft
- Property taxes
- $5,433/yr (2026 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
- $427/moFrom the listing, unconfirmed
- Fee covers
- Maintenance Grounds, Legal/Accounting
- 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 Nov 1, 2026
- Monthly payment (estimate)
- $7,151/mo: $4,825 loan + $1,401 tax + $498 insurance + $427 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
- 1980 · 2 stories
- Days on market
- About 14 days
- Price history (this listing)
- Listed Oct 19, 2026.
Details
- TypeTownhouse
- Beds3 bd
- Baths2.5
- Size1,936 sqft
- Year built1980
- PoolCommunity
- WaterfrontYes: Ocean Access, Canal Front, No Fixed Bridges
- ViewCanal
- NeighborhoodEASTERN SHORES 2ND ADDN
- ZIP33160
- MLS #A12105702
- To the beachAbout 0.8 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Discover the ultimate boater's paradise in one of South Florida's most exclusive enclaves. Nestled within a gated community, this stunning 3 bedroom, 2.5 bathroom residence offers rare privacy and direct ocean access with no bridges — just seconds from the Intracoastal Waterway and minutes from Haulover Inlet. Your private 37.5' dock sets the stage for an unmatched waterfront lifestyle. Step inside to a completely renovated, open-concept kitchen outfitted with top-of-the-line appliances, flowing seamlessly into bright, welcoming living spaces. Porcelain wood-look tile grounds the first floor while warm hardwood flooring carries through upstairs. Retreat to the expansive primary suite featuring generous walk-in closets and a spa-inspired bathroom with a soaking tub and steam shower. A new front deck, impact glass throughout, and thoughtful finishes at every turn complete the picture. With a low HOA of just $427/month, 2 dedicated parking spots, and ample guest parking, the ease of this lifestyle is unmatched. Live where others vacation.
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 Nov 1, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1980, 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.