3D tour
$729,800
398 NE 5th Street #4006, Miami 33132
Est. $5,683/mo with 20% down incl. HOA
Listing courtesy of KWG Realty Group LLC · BeachesMLS
$910,000400 Central Boulevard, Miami, FL 33144
Listing courtesy of Luxe Properties · 305-809-7650 · 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 Nov 2, 2026, unless a row says otherwise.
- Price
- $910,000 · $439/sqft
- Property taxes
- $7,738/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
- None listed
- 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 AH: high-risk flood area, base flood elevation 8 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 30, 2026
- Monthly payment (estimate)
- $6,900/mo: $4,961 loan + $1,441 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
- 1954 · 1 story
- Days on market
- About 100 days
- Price history (this listing)
- Originally listed at $920,000; last price change Sep 8, 2026; listed Jul 26, 2026. Down $10,000.
Details
- TypeHouse
- Beds3 bd
- Baths2
- Size2,072 sqft
- Year built1954
- ViewGarden
- FurnishedUnfurnished
- NeighborhoodFLAGAMI 3 ADDN
- ZIP33144
- MLS #A12060456
- To the beachAbout 11 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
This stunning single-family residence, originally built as a duplex, is a fully renovated home offering the perfect blend of character, functionality, and modern design. Situated on an oversized corner lot in the heart of Miami, the property features a bright, open floor plan with spacious living areas, beautifully updated finishes, and a seamless flow ideal for everyday living and entertaining. Every detail has been carefully reimagined, creating a move-in-ready home with timeless appeal. The flexible layout provides exceptional versatility for multi-generational living, a home office, or guest accommodations while maintaining the comfort of a single-family residence. Outside, enjoy a generously sized corner yard with ample room to entertain, add a pool, expand, or simply relax in your private outdoor space. Conveniently located near Coral Gables, Miami International Airport, major highways, shopping, dining, and schools, this is a rare opportunity to own a completely renovated home with the unique history of a duplex and the lifestyle of a modern single-family residence.
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 AH: 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 1954, 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 3, 2026, 3:06 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.